Health Care Tips
Practical Tips To Get the Most Out Of Your
California Health Plan
Know what your California health plan
Maybe more importantly, know what it doesn't
cover. You'll get the full policy after being approved for your
policy and although it can be daunting to read, try to at least hit
the highlights. You can always call claims by using the members
number on the back of your membership card for specific questions.
This is advisable before contemplating any larger medical service.
Choosing your Doctor
Make sure your doctor is in network before
using his services for PPO and HSA plans and always manage your care
through your Primary Care Doctor or Primary Medical Group if on an
HMO. You can pay much more out of pocket if you do not use your
network doctors. Make sure to select a doctor that speaks your
Be Honest and Thorough with your Doctor
Many people do not divulge their full health
history/status with their doctors. It really is a two-way street
and they need this information to properly address your health
care. This is no time to be bashful. Understand the process of
seeing specialists. Are referrals or prior approvals required?
Make sure before hand so that you pay the least amount.
Membership Card on Hand
Make sure to always carry this on your person.
Your ID# and important phone numbers are on the card for you or for
Keep your Medical Records
Make sure to keep and organize your medical
records both in terms of those pertaining to medical treatment but
also the billing and payment side of things. Include the EOB's
(Explanation of Benefits) from the carriers and check these for
accuracy as they come in.
preventative benefits are covered at 100% on newer plans,
there's no excuse. Take advantage of these services to catch
potential health issues early.
Be an Advocate of You
This has never been more true. You have to
speak up for yourselves. Many people feel intimidated by the health
care system and providers. You must ask questions, give full
details, and research options on your own. That's the world we live
in since providers are pressed for time.