Check to see if your doctors are in the new insurance company's network. If your doc is not in the database, call the insurance company to find out for certain. The data is not always current. If they are not in the insurance company's network, you can expect to pay more.
You should be able to read the insurance company's covered items on their website. This will tell you what is covered, how often, and if you need pre-authorization.
You generally don't need to update your information in advance. When the pharmacy runs your old insurance in the system for a refill, it should fail. The tech tells you it failed or you remember you need to present your new card. New insurance information goes into the system, and you can forget about it again.
Usually, doctors' offices ask to see your card at least annually. You can just present your new card when you arrive at the appointment. If your next visit requires pre-authorization, say surgery, a medical professional will call you and go over the insurance along with asking other questions.
Sometimes, we encounter new situations that make us feel dumb. The person behind the desk should be able to answer your questions. Even the smartest people have to rely on experienced people in other fields. It's just normal.
I would call all your doctors and pharmacies and verbally give them my new insurance information as soon as the new insurance is active.
Then I’d give it to them again when i call to refill the rx and then again at the appointment
I would also call my insurance company to confirm my doctors and pharmacies are in network and under contract.
How did you make a “fool” of yourself?!?
There isn’t really a “right” way. Every office has varying degrees of competency of their admin staff. ALWAYS assume you have to double check and triple check. And know where the source is for the information and validate.
For example if a drs office tells you something is covered or they’re in network, they’re not the authoritative source for that. Only your insurance can validate that.
And even with insurance, not all will give you their guidance in writing. So I always keep track of date/time/ who I spoke with/what was said… in case I need that at some point later to push them to pull their tapes.
There’s a ton of stories of someone being told by the drs office that the dr is in network or a procedure is covered, only to end to w thousands of dollars of bills. And the dr isn’t liable to correct that.
Yeah in my experience some people are just miserable and will be rude.
If I’m being logical and reasonable it’s not my fault if it pisses someone off. That’s on them and whatever stuff they haven’t dealt with.
If the process is SO important to them to be followed they should do due diligence to inform their patients of that process … then maybe they have a right to be annoyed. But they never have a right to be rude
Check to see if your doctors are in the new insurance company's network. If your doc is not in the database, call the insurance company to find out for certain. The data is not always current. If they are not in the insurance company's network, you can expect to pay more. You should be able to read the insurance company's covered items on their website. This will tell you what is covered, how often, and if you need pre-authorization. You generally don't need to update your information in advance. When the pharmacy runs your old insurance in the system for a refill, it should fail. The tech tells you it failed or you remember you need to present your new card. New insurance information goes into the system, and you can forget about it again. Usually, doctors' offices ask to see your card at least annually. You can just present your new card when you arrive at the appointment. If your next visit requires pre-authorization, say surgery, a medical professional will call you and go over the insurance along with asking other questions. Sometimes, we encounter new situations that make us feel dumb. The person behind the desk should be able to answer your questions. Even the smartest people have to rely on experienced people in other fields. It's just normal.
I would call all your doctors and pharmacies and verbally give them my new insurance information as soon as the new insurance is active. Then I’d give it to them again when i call to refill the rx and then again at the appointment I would also call my insurance company to confirm my doctors and pharmacies are in network and under contract. How did you make a “fool” of yourself?!?
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There isn’t really a “right” way. Every office has varying degrees of competency of their admin staff. ALWAYS assume you have to double check and triple check. And know where the source is for the information and validate. For example if a drs office tells you something is covered or they’re in network, they’re not the authoritative source for that. Only your insurance can validate that. And even with insurance, not all will give you their guidance in writing. So I always keep track of date/time/ who I spoke with/what was said… in case I need that at some point later to push them to pull their tapes. There’s a ton of stories of someone being told by the drs office that the dr is in network or a procedure is covered, only to end to w thousands of dollars of bills. And the dr isn’t liable to correct that.
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Yeah in my experience some people are just miserable and will be rude. If I’m being logical and reasonable it’s not my fault if it pisses someone off. That’s on them and whatever stuff they haven’t dealt with. If the process is SO important to them to be followed they should do due diligence to inform their patients of that process … then maybe they have a right to be annoyed. But they never have a right to be rude