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What is dual medical coverage?

[su_box title=”To sum it up…” style=”default”] When someone is said to have dual medical coverage, the reality is that they have two different health insurance policies If an employee has health insurance through his or her employer, that policy will typically be referred to as the primary If you do not have an employee-sponsored health […]

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What is a “narrow network” in health insurance?

[su_box title=”To sum it up…” style=”default”] Health insurance providers use networks to deliver benefits to subscribers Insurers share costs for network services paying less or no costs for outside services Providers use narrow networks to reduce costs and improve efficiency Consumers get low prices when using narrow networks [/su_box] Narrow networks are insurance company agreements […]

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What is a health insurance referral?

[su_box title=”To sum it up…” style=”default”] Referrals can be advice to subscribers to use a specialist or other plan resource Referrals can be needed authorizations to use network resources Some plans pay for outside resources but only with a referral Some plans pay cost sharing without referrals for outside network services, but on a limited […]

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What is a buy-up medical plan?

[su_box title=”To sum it up…” style=”default”] A base medical plan is the basic minimal coverage offered to every member of an insured group, but a buy-up plan has selected changes and additions to allowable coverage for a slightly higher premium Fully explore what the medical insurance needs are for your household and know when any […]

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