To prevent surprise medical expenses when using private health care, learn how your company health insurance plan works. Find out the answers to these questions:
What does your insurance policy cover?
What about pregnancy?
What coverage is available for dependants?
How much do you have to pay for medical expenses, and when does your insurance plan take over?
Do you have to pay the bill first and then reclaim the expense, or can it be sent to the insurer for direct payment?
Does your company insurance policy cover the cost of a private or semiprivate room?
Does your company offer a plan that provides all services for one fee?
Must you have a second opinion before undergoing surgery? If you have special health benefit needs, check with your company's personnel or benefits department. You might be able to pick and choose among the benefits offered. And make your needs known to your employer; if enough people need certain coverage, your company might redesign its plan accordingly
