Coventry Health Insurance of Georgia (GA) | Health Insurance Georgia | Maximizing your Health Insurance Georgia Plan Benefits

Health Insurance Georgia Benefits

Maximizing your Health Insurance Georgia Plan Benefits

Everyone wants to get the most value out of their health insurance Georgia plan benefits. Here are some ideas to help you get the most out of your policy.

You will want to become familiar with your particular health insurance Georgia policy to find out what services are covered and what procedures are excluded. You can read through the policy itself, or you can call up the phone number on the back of the card and talk to a representative at member services to find out information specific to your particular health insurance Georgia policy.

The very first thing you can do to get the most benefit out of your health insurance Georgia policy is to use a network provider, rather than a physician who is out of the network. Most policies will pay higher benefits if you see a physician who is contracted with your health insurance Georgia company network. Often, even the deductible is waived, or is lower, if you see an in-network physician, rather than an out of network doctor.

Once your physician or hospital has made recommendations regarding what kind of medical procedure you may need, you can access the web site of your health insurance Georgia carrier. Many health insurance Georgia carriers have web site with interactive online tools that will help you calculate costs and expenses for medical procedures. Often, these will list average costs so that you can compare quotes and make sure you are being charged properly and fairly. There are usually average costs of care information for common diseases and conditions, as well as for certain common diagnostic and surgical procedures, and inpatient stays. Your health insurance Georgia carrier may also have a members only area where you can keep track of your deductibles, make sure you have referrals and authorizations for procedures, and check claim status. Be sure to check with your health insurance Georgia carrier to see what member resources and calculators they have available to you.

Another way to cut costs is to try generic drugs, rather than brand name prescriptions. You can ask your physician if it is appropriate to try a generic drug and request that they indicate so on the prescription. Often, generic drugs are equally effective as brand name prescriptions and at a fraction of the price. This will save you, and your health insurance Georgia carrier, money. Generic drugs may save you as much as 15 to 50 percent compared to brand name drug prices.

In fact, it may be a good idea to ask your physician if there are more cost effective ways to treat certain medical conditions. Talk to your doctor about treatment options. Then you call up your health insurance Georgia plan customer service department and make sure the service is a covered benefit with your particular health insurance Georgia plan, and find out if there is an applicable deductible and what your coinsurance portion is. When you call up, you can then get information regarding whether you need prior authorization, or a referral. This will all help you receive maximum benefits and coverage out of your health insurance Georgia policy, and help you avoid any reduction of your benefits, or a nasty surprise later if the service is not covered.

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