Millions of Americans are going without needed medical services because of skimpy insurance coverage, potentially endangering their health, according to a study published Monday in the journal Health Affairs.The report found that 16 million adult Americans are "underinsured" and face problems similar to those encountered by the 45 million Americans with no health insurance--primarily, difficulty getting and paying for care.
It's important to understand your health care coverages and be aware of any limitations it may have. Don't assume you are covered for everything when you are not. As health care prices continue to rise it is important to understand that benefits are cut to keep prices in line. Physical therapy is a good example of a service that is becoming increasingly limited under most health plans. It is always a good idea to have an experienced insurange agent review coverage with you on a yearly basis so you are aware of where the gaps in your existing policy exist, and of course if better coverage is available in the same price range from another carrier.
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http://www.chicagotribune.com/features/lifestyle/health/chi-060103insurance2-story,1,4544168.story?coll=chi-health-utl
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