In a number of health insurance plans come with a condition called, “Closed Access” This “Closed Access” means there is a list of health care providers you must use the services of doctors, clinics, hospitals and pharmacies outline on the list in order to receive your health care benefits you are paying for. Generally, the health insurance will not pay if you used any other health care services that are not on the list.
If you are looking for a health insurance provider with this “Closed Access” policy, make sure you look over the list before signing. Usually, the list will contain all the doctors, clinics, hospitals and pharmacies around your area and you would not have to make any changes if you need file your health insurance claim. Even if you have your doctor on the “Close Access” list, you should ask a few questions.
The biggest questions are about the conditions offered for emergencies that happen away from home. For example, if you were away 4 hundred miles visiting your relatives and need to go to the emergency room in a hospital that is not on the “Closed Access” list. Will you be paying for the cost for the emergency visit with a hospital that is not on the list? Most have some sort of provisions for this incident, but make sure you take time to ask and be absolutely sure.
The next important question you want to ask about the “Closed Access” policy is how many health care professionals around the country are on the list. For instance, you happen to move to a different state, you would want to know if there are many doctors in other part of the country or will you have to start shopping for a new health insurance provider? Make sure you take the time to ask your health insurance broker about it, for you to fully understand the policy before considering this “Close Access” options.
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