Family Health Insurance

Contact Your Insurance Carrier With Questions

Every insurance company has a customer service department that is available during normal business hours to assist you with questions about your family's health policy. They can assist with premium payments, plan descriptions, claims issues and health care provider searches. Do not hesitate to use this resource to your advantage. Prior to receiving medical care, contact your insurance company's customer service department to confirm that you are covered for this procedure and that the doctor you plan on visiting will provide you with the lowest possible out-of-pocket costs.

Keep Records

Whenever you contact your insurance company with questions about your family health plan, always ask for the name of the person you are speaking with. Record the name, date, time and inquiry into a journal. This may help protect you in the event that you are provided with inaccurate information. Although the customer service representatives of insurance companies are trained to answer your questions, there is no certainty that what you are told is accurate. If you are uncertain of the answer that you are provided, call back again and speak with a different customer service representative. If you receive conflicting answers from the representatives, ask to speak with a supervisor for clarification and then ask that the answer be placed in writing and mailed or emailed to you.

Get Your Broker or Agent Involved

If you have a health insurance agent or broker, also get them involved in finding out the answers to your questions or assisting with claims issues. Insurance agents will usually represent many clients with the same insurance company and may have special contacts within the insurance company that can assist in quickly resolving your issues or answering your questions.

Note: The information and advice provided in this Guide to Family Health Insurance may not provide the best advice for every situation. The best options for your family's medical insurance may be unique and require the advice of a local advisor. We highly recommend that you consult with more than one insurance broker in your state to gather and compare alternative opinions. The owners of HealthInsuranceFinders.com are not responsible for any decisions you make in regards to your family's health insurance through the information provided in this guide.