How to Handle Constant Insurance Changes

They say that change is good, but that isn't always the case when dealing with constant changes from your health insurance provider. It is already difficult keeping track and remembering the long policy conditions whenever a medical emergency arrives. Just when you start to know what your policy covers and doesn't cover, another change is made. Whenever the policy change notification comes in the mail or in your email inbox, the wording and terms are often confusing. Getting a handle on all of the changes is the first step to understanding and keeping track of your policy.

Instructions

• 1

  Read over all of the information from the insurance company regarding the changes. No matter how confusing the wording may be, continue to read every word. Look up words that you don't understand and gather their meanings as it pertains to insurance. Sometimes you have to read things several times in order for the information to sink in.

• 2

  Talk to a representative at the insurance company about terms and details that you don't understand. She can explain the changes in layman's terms so that you can get a clear understanding on what is going on with your policy.

• 3

  Save all of your documentation in a common folder. If you receive paper letters in the mail, keep all of them in a manila folder or in a secure location where you keep all of your important documents. For email notifications, create a separate folder in your inbox, and move all of the change emails to that folder.

• 4

  Create a word processing document or spreadsheet for all of the insurance details. An electronic copy will be easy to change and reference when you need it. When changes are made, edit the document to add the changed information. Another way is to strike through the old data and add the new changes along with the date that the change was made. This will allow you to keep up with all of the times that the insurance company has made changes to your policy. If the changes are constant and the insurance company is giving you less and less coverage for more money, you may want to think about changing your policy or insurance company.