Your health is one of your most important assets. However, even with the best diet and lifestyle choices, you may find yourself needing hospital care at some point, and it is important that you are clear about what is and isn’t covered by your health insurance. Florida doctors may order tests that don’t come under your coverage so it’s a good idea to check before incurring costs so that any bills won’t be entirely unexpected.

The media occasionally report stories about people finding they are out of pocket after having tests that they thought would be covered. You should always speak with your doctor and any hospital workers responsible for your care if you are in any doubt about the nature of your test. In the event that you are unsure, you should call your insurance agent or insurer for specific information. It can be worrying enough to go for a routine medical and then suddenly find yourself faced with tests. Imagine how much worse it might be if, after the tests, you find a bill that you weren’t expecting in the mail?

It will probably be too late after you’ve had the test to do anything about the account, apart from pay it, so you need to be sure about the financial ramifications of any test your doctor might order for you. It is always your responsibility to be aware of the coverage offered by your health insurance. Florida doctors and hospital staff are there to assist you through any medical processes you might need, but they are not the caretakers of the financial side of that - you are!

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