Sometimes you might want or need health services outside your health insurance network. It’s worth knowing what your insurer will or will not cover, so make sure you understand your private health insurance policy fully.
Perhaps the most common situation in which you might need out-of-network health services is when you’re on a trip. If you visit a doctor or have some other health need taken care of, make sure you know whether you’ll be covered by your health insurance, and be aware of any eligibility conditions you need to meet.
Contact your health insurance company if you need treatment while away from home, and they may be able to help you find a treatment centre that is covered by your insurance. The insurer may also have a website with a list of doctors that are covered as well.
However, you may need health attention at a time when you can’t contact your insurer, and have to obtain it from the nearest location available at the time. If you travel a lot, you might want to choose health insurance with a network that covers the areas you visit.
Preparation is the key to peace of mind, so it’s sensible to plan ahead if you can. Holidays and road trips aren’t the only occasions when you’ll be out of your usual area. You might drive a couple of hours for work or to visit family, and then have a minor emergency.
Do you have a list of all the providers in your health insurance network? This can be very useful in an emergency or when away from home; you might like to keep such a list in your car or your luggage. You could keep a list of doctors and other treatment centres near the places you typically visit, putting them in a spreadsheet, word processor, or an app in your smartphone. Thus, whenever you go somewhere, you’ll be ready with a list of in-network health services you can use and stay covered by your private health insurance.
Are you going out of your health insurance network? Check your health insurance policy or call your insurer if you need network information or out-of-network treatment, to avoid having to pay for health treatment that could have been covered by your insurance.