I need to write an article in a newsletter about things we should look for in our health insurance plans for?

the new year. What types of things should I write about so that i can inform business owners and individuals what to look for in the new year regarding their health insurance plans?
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The big thing is to know their plan! For example - if they have a deductible, they need to exactly what it is and what it pertains to. (Hospital only, lab procedures, or all medical care.) They need to know what is covered - for example - if they have children, is preventative care covered? How much is allowed? Too many people get an ugly surprise when it comes to their kids' coverage. They need to know what providers (doctors, hospital, labs, etc.) are participating in their plan. You should also inform them what to do if they get a bill from a provider. The steps are: 1. Find out the exact reason for the bill - is it a copay, co-insurance, or a denied claim? Most plans send out EOBs (Explanaton of Benefits) to members - if not, they should call the insurance and get one. 2. If it's a large bill, call the provider and make a payment agreement. (If it's something the insurance has determined to be patient liability, RARELY can it be discounted further - the insurance has probably already discounted it, unless it's a non-covered service - and for a provider to further discount from what the insurance states is patient responisibilty, it's a violation of their contract. For a non-covered service, it can be discounted if the patient asks.) If the bill is a result of a denial by the insurance, it's the patient's duty to inform the provider that they are going to appeal the denial and then the patient has to appeal it. 3. If an appeal is in order, the patient then calls the insurance and asks exactly what the process is - including contact info. Then follows that process to the letter. You'd be surprised how many people don't know this stuff!
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