3 Tips to Evaluating Your Health Care Provider

The insurance that you get through your health care provider is undoubtedly one of biggest expenses you have over the course of a year. With health care costs on the rise, you want to make sure that you have the best deal and provider. With this in mind, it is essential to periodically evaluate your health care provider.

Review the History

If you've been doing business with your insurance provider for a while now, you will probably have a little bit of a history to work from. Gather up all of your statements and bills from them over the last year or two. See if they have paid for everything that they said they would pay for. If you had a major medical issue during that time period, then you probably have several bills to go through. While it may be time consuming, this is a great way to evaluate your provider. If they did what you agreed upon before you got started, then you should feel good about their integrity. If there are a lot of question marks, you might want to get on the phone and have them explain what was changed and why.

Network Size

The size of the network that your health care provider has should be a major thing for you to look at. You will want the biggest network that you can find. Having more choices to provide you with health care will make your life a lot easier. If you have to drive out of the way just to make sure that you are "in-network" then you will want to think about changing providers. If you have a medical problem, the sooner you can get it taken care of, the better off you'll be. Therefore, delaying care just because of the location of an "in-network" facility is not in your best interest. Evaluate whether you are going to the doctors you would go to if you could choose where you went. If you are going to a doctor that you don't feel comfortable with, this provider might not be for you.

Customer Reviews

Each person has a unique experience with their insurance provider. While one person might have a terrible time with a company, other people might love them. This is why it is important to step back and get a look at the big picture of customer service for a company. Go to a one of the many customer review sites out there and see what other people are saying about your health care provider. If they consistently rank low in customer service and satisfaction, then you can afford to look elsewhere. If you have had a rough time with them but everyone else seems to love them, you might want to give them another chance.

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