You will get the best care if you:
- Read your health insurance policy and member handbook. Make
sure you understand them, especially the information on benefits,
coverage, and limits. Sales materials or plan summaries cannot
give you the full picture.
- See if your plan has a magazine or newsletter. It can be a
good source of information on how the plan works and on important
policies that affect your care.
- Talk to your health benefits officer at work to learn more
about your policy.
- Ask how the plan will notify you of changes in the network
of providers or covered services while you are part of the plan.
- Ask your doctor about regular screenings to check your health.
Discuss your risk of getting certain conditions. What lifestyle
choices and changes might you need to make to lower your risks
or prevent illness?
- Ask questions and insist on clear answers.
- Ask about the risks and benefits of tests and treatments.
Tell your doctor what you like and dislike about your choices
- Make sure you understand and can follow the doctor's instructions.
You may want to bring another person along or take notes to
help you remember things.
- Write down your concerns. Start a health log of symptoms
to help you better explain any health problems when you meet
with your doctor.
- Set up health files for family members at home. This will
help you to monitor care. Include health histories of shots,
illnesses, treatments, and hospital visits. Ask for copies of
lab results. Keep a list of your medicines, noting side effects
and other problems (such as other drugs and foods that should
not be taken at the same time).