Do you feel your guard going up as soon as you start dialing your insurance plan? We’ve been there (and don’t worry, we have tips for that!). Insurance coverage might feel like the “mean girl” of the new year because, let’s be honest, who actually made navigating health plans and insurance part of their new year’s resolutions? Anyone?! (crickets). While planning for the year ahead and navigating the ins and outs of denials, appeals, deductibles, and EOBs may not necessarily be at the top of our lists, with some guidance and resources from experts who have been through it all, it doesn’t have to feel like an impossible task. It can even feel, dare we say…doable?!
The start of a new year is the ideal time to review your health plan — to make sure you understand what, if anything, has changed and how to get the most out of your plan benefits. Whether you’re troubleshooting the same problems as last year or just want a refresher, we’ve got tips and resources to help you navigate the process without breaking a sweat.
- Whenever your new plan year begins, it’s a good opportunity to review your benefits and coverage, limitations, timelines for filing claims, and more. How to Review Your Health Plan Benefits & Coverage. Plus, use our printable worksheet to audit your plan and better understand your benefits and coverage limits.
If you’re an Undivided member, make reviewing your health plan simple with our new step-by-step guide in your Undivided account! Just ask your Navigator to add it to your account!
- Many health plans turn over with the end of each calendar year, while others follow a schedule determined by an employer. Check out our article on monthly premiums and annual deductibles to learn how to think through your plan choices.
- Your claim has been submitted and processed, but the Explanation of Benefits (EOB) shows that the claim has been denied. Once you’ve done your best to figure out why your claim was rejected (read our tips here), it’s time to contact your health plan for more details. It may be that a simple error needs correcting.
The number one thing to do when your insurance plan denies your request? Look at WHY you’re receiving a denial. Learn more from our tips on YouTube→- Do you look like this “before” picture when trying to deal with insurance? Learn how to turn into an “after!” Check it out on Instagram→
- Want businesses to learn about how to support families like ours? Share us on LinkedIn→
- Parents in our private Facebook group are talking about the upcoming changes to IHSS provider rules! Do they affect your family? Join the discussion→
- Undivided’s Health Plan Advocacy Services can help you with troubleshooting denials, managing claims, submitting appeals, and more. Ask your Navigator to set up a free consultation call. Start here→
One Undivided member shares with her Undivided Navigator, “I just wanted to say THANK YOU so much for helping me get approved for the Medi-Cal insurance. It 100% covered [my child’s] hospital stay, which was over $20k. Literally such a huge help for us to not have to worry about that medical bill.”
Office Hours with Adriana Roze
On Wednesday, January 24, 12:00–1:00 p.m. PST, Undivided Research Lead Adriana Roze will be available to answer questions about finding and registering for this summer’s sleepaway camps. Plus, she’ll talk about how to get a custom report from Undivided for a new therapist, school, or other need to save you time spent researching. Bi-weekly Office Hours are virtual Q&A sessions with experts that are open to Undivided members only, so if you’d like to attend, sign up here to begin your free Kickstart!
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This newsletter was originally sent to our subscribers on 1/18/24. Subscribe to our newsletter to get more resources like this in your inbox, and check out our full library of articles, templates, and videos at undivided.io/resources.
