Navigating Your Health Benefits

Navigating Your Health Benefits - Your Experience

Most people do not fully understand their benefits package.

Identify a statement that fits your problem or concern and navigate to the corresponding section with helpful tips and information.

My plan is too complicated. What are some key things I can focus on so it's not overwhelming? See: Open Enrollment/It's that time, Plan Comparison
I can't seem to find a plan that's customized for me. See: Major Life Events, Making Your Choice
I'm confused by what is and isn't covered by my plan. See: Plan Comparison and You're Enrolled, Now What?
What's the difference between co-pay, co-insurance and deductible? See: Review premiums, co-pays, co-insurance, etc.

When choosing a doctor, I do not have enough information on their experience level, track record, etc. to make an informed choice. See: At the doctor

Wading through the ocean of information, the problem is not a lack of data but too much data. See: Choosing Health Benefits, The Four C's of Open Enrollment

I wish I had a 24-hour hotline to call to speak with a nurse or other medical professional. See: Emergency services
I go to the emergency room when I can't get in to see my doctor. See: Not seeing your doctor
Sometimes it's hard to know if I really need to go to the emergency room. See: Emergency services

I have difficulty getting an appointment with a doctor or specialist within a reasonable amount of time. See: At the doctor
I've had difficultly getting a follow-up medical test within a reasonable amount of time. See: At the doctor, Getting lab work/tests

I show up on time for doctor's appointments, but have to wait a long time before seeing the doctor. See: In the waiting room
I have to fill out a lot of forms with repeat information. See: In the waiting room

Waiting in the waiting room, then waiting again once I'm in the examining room. See: In the waiting room
More often than not, I see a physician assistant rather than my real doctor. See: Not seeing your doctor

I wish I had more information so I could ask my doctor the "right" questions. See: At the doctor
I don't feel comfortable enough to ask my doctor questions. See: At the doctor
I want to ask questions, but feel that my doctor does not have (or want) to take the time to answer them. See: At the doctor
My doctor says follow-up is medically necessary, my insurance says it is not a covered benefit. See: Special services

I have to go to my doctor to get a prescription for a lab test, then go elsewhere to have the test performed and return to the doctor a week or so later for the results. See: Getting lab work/tests
Could some of these tests have been scheduled prior to the doctor visit instead of afterward? See: Getting lab work/tests

My doctor recommends a drug that isn't covered, or costs a lot. Then I have to get back in touch with my doctor to see if another medication is appropriate. See: Doctor-recommended prescriptions
I use a mail-order prescriptions drug service but feel that they won't fill it right and it might get lost in the mail. See: At the drugstore
I want to talk to a pharmacist about my needs. See: At the drugstore

I'm confused by co-insurance and co-pay amounts. See Review premiums, co-pays, co-insurance, etc.

Neither the doctor nor insurance company ever follows up with me after treatment to see how I'm doing. See Special services

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