1. Your doctor isn’t in the network: Don't assume a specialist is in the network just because your primary care doctor gave you the name.
2. You pay insurance premiums to save on the co-pay: If you go to the doctor only a couple of times a year, is it worth hundreds of dollars extra on the premium just to get a lower co-pay?
3. The drugs you need aren’t cover: If your plan provides prescription-drug coverage, check to see if your medications are included on its formulary, which lists the preferred drugs for coverage.
4. You're overinsured: Supplemental insurance policies might be unnecessary if you already have broad coverage under your medical insurance and short-term and long-term disability insurance.
5. You can't afford your share of the medical bills: Low premiums are an attractive feature of high-deductible health plans, but make sure you're prepared to pay all the out-of-pocket medical expenses.
6. Your policy doesn't cover maternity care: In many states that maternity coverage is not mandated, many individual health plans pay only a small portion of the costs or don't cover maternity at all.
7. You don't check your health plan for changes: Don't assume the plan is still the same. Coverage levels, costs and networks could change from one year to the next, even if the plan is offered by the same insurer.
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