Exercising NOW, not later
Studies show that even moderate exercise three times per week can
offset an adult's risk for heart attack, stroke and certain cancers.
Always asking your doctor questions, and listening for clear answers
Know what prescriptions you are taking, when to take them and what
not to mix with them. Ask about the risks and benefits of each test
and treatment. Make certain that you understand your doctor's responses.
Go ahead and take notes, if necessary.
When in doubt, writing it down
While we're on the subject of taking notes, remember to keep a
log or diary of symptoms, concerns or unusual problems that occur.
That way, you have a clear record when it comes time to meet with
the doctor. Also, make sure to keep a record of treatments, vaccinations,
lab tests, drug reactions and side effects.
Knowing your policy
Read your coverage policy and member handbook -- particularly the
information on benefits, coverage, exclusions and limits. If your
plan has a newsletter or magazine, make sure to read it as well.
You can keep abreast of policy changes and new services that may
affect your care.
Knowing how to obtain care
Don't wait until it's 4 a.m. and you are having a bizarre reaction
to the shellfish you had for dinner -- learn coverage specifics like
urgent-care hours and how to schedule appointments now, while you
feel good. Don't forget to find out how (and where) to get lab tests,
as well as what number to call in an emergency.
When you're sick about the treatment you received
If you have a bad experience with your managed health care provider,
you have the right to complain. Contact the member services division
of your plan immediately for more information on how to register
a complaint. Health insurance plans have grievance or appeal processes.
While in the complaint process, be sure to save records of all correspondence,
claim forms and copies of bills. Also keep a log of phone conversations
and names of the people you speak with.
If this process doesn't solve your problem, you might consider
bringing the matter to the state insurance commissioner or state
department of health. Medicare or Medicaid recipients may file a
grievance with the state's Medicaid program as well as the state
medical peer review organization.
Things to remember as a patient
You have the right to change your primary care doctor, switch plans
during open enrollment, ask for copies of your test results and medical
records, refuse treatment, disagree with your plan's decisions and
use their appeals process. After all, it's your health at stake. |
