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Losses stung her but didn't keep her down - St. Petersburg Times OLDSMAR — Bee O'Malley faced challenges from the start. At age 2, she developed polio. Her legs were deformed, and she never walked without braces or crutches. Little Bee went to the local YMCA and swam in the pool for therapy. The agony was ... Publ.Date : Sun, 12 Oct 2008 01:08:00 GMT U.K. May Put Representatives on Bank Boards, Official Says - Bloomberg Oct. 12 (Bloomberg) -- The British Treasury may appoint its own representatives to the boards of the country's biggest banks as it begins buying stakes in them over the next few weeks, a government official said. Policy makers need to consider how to ... Publ.Date : Sun, 12 Oct 2008 00:03:00 GMT CBIZ, Selective Insurance donate to Allegany County HRDC efforts - Cumberland Times-News CUMBERLAND — CBIZ Insurance Services Inc. and Selective Insurance Group Inc. have joined forces to support the positive efforts of the Allegany County Human Resources Development Commission through a $1,000 grant. “We are proud to support the ... Publ.Date : Sun, 12 Oct 2008 00:03:00 GMT A timeline of Japanese businessman's case - International Herald Tribune Japanese businessman Kazuyoshi Miura committed suicide in jail less than 24 hours after being taken to Los Angeles to face trial on a charge of conspiring to murder his wife. A timeline of the case: _ Nov. 18, 1981: Miura and his wife, Kazumi, 28 ... Publ.Date : Sun, 12 Oct 2008 00:32:00 GMT Crash tests rate booster seats - Chicago Tribune Booster seats are supposed to do just that—boost an older child's chance of surviving a crash by raising them up to fit properly in seat belts designed for adults. Yet a new study that evaluates 41 of these belt-positioning seats rates 13 of them ... Publ.Date : Sun, 12 Oct 2008 02:19:00 GMT RSS to HTML Increased Web Site Traffic

Health Insurance, what does it mean?

by Ariful Anam

Health Insurance, what does it mean?

Your health insurance policy is an agreement between you and your insurance company. The policy lists a package of medical benefits such as tests, drugs and treatment services. The insurance company agrees to cover the cost of certain benefits listed in your policy. These are called "covered services."

Your affordable health insurance policy also lists the kinds of services that are not covered by your insurance company. You have to pay for any uncovered medical care health insurance that you receive. Keep in mind that in case of health insurance a medical necessity is not the same as a medical benefit. A medical necessity is something that your doctor has decided is necessary. A medical benefit is something that your insurance plan has agreed to cover. In some cases, your doctor might decide that you need medical care that is not covered by your insurance policy.

Health Insurance companies determine what tests, drugs and services they will cover. These choices are based on their understanding of the kinds of medical care that most patients need. Your insurance companys choices may mean that the test, drug or service you need isnt covered by your policy.

Your doctor will try to be familiar with your insurance coverage so he or she can provide you with covered care. However, there are so many different insurance plans that its not possible for your doctor to know the specific details of each plan. By understanding your insurance coverage, you can help your doctor recommend medical care that is covered in your plan.

Take the time to read your insurance policy. If you still have questions about your coverage, call your insurance company and ask a representative to explain it. Remember that your insurance company, not your doctor, makes decisions about what will be paid for and what will not.

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