Medical Bills: Let Someone Else Fight Your Battles
O Magazine, Sari Harrar, January 2008
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Theo Francis, Wall Street Journal, March 20, 2006 |
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BOOKS
Making them Pay; How to Get the Most from Health Insurance and Managed Care
Rhonda Orin
YOU: The Smart Patient
Michael Roizen MD and Mehmet Oz MD
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MANDATED BENEFITS
In addition to federally mandated benefits, each state has unique legislation that mandates insurance coverage for certain services and treatments. Most group and private insurance plans (fully "self funded" plans and some specialty policies are generally excluded) are required to pay for these services regardless of whether or not your policy covers them. Ideally your plan has already included these benefits in your policy, but they may not have, so it is important to know what they are. Your first challenge is to find them, which isn't easy. The information may not be available on the department website, so you will need to contact your state Department of Insurance for a list of the citations, and go to the Insurance Code for details.
Click here to locate your state Department of Insurance website - http://www.naic.org/state_web_map.htm
For California, contact ClaimCare for a copy of the relevant sections of the Insurance Code (provided by the Department of Insurance) with the associated text (with all the appropriate disclaimers), or click on the link below to download it.
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