Tip Of The Day: Make Sure Your Doc Is In-Network Before Sending Your Claim

Office secretaries, receptionists and nurses are not always up to speed on what insurance carriers doctors may or may not be accepting. I get a ton of complaints about patients who were told by the secretary that their visit would be covered, only to receive a bill later.

Consider getting preapproval (in writing, if possible) from your HMO to see a new doctor. This way, you won’t find yourself saddled with mounting bills that your insurance company refuses to pay.