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Medical insurance can be confusing, especially if you have never used medical insurance before. In this article, we will discuss how to navigate your medical insurance according to experts in the field. We will provide tips on how to choose a plan that is right for you, as well as how to use your insurance benefits wisely. 

Make Sure Your Provider Is in the Network

One of the biggest problems people run into when searching for a healthcare provider is not finding someone who your insurance pays for. Different insurance companies have different networks of doctors, hospitals, and other providers that they will cover. Typically, you will pay less money out-of-pocket if you use a provider who is in your insurance provider’s network. 

Keep Your Deductible in Mind 

Your deductible is the amount of money that you must pay out-of-pocket. Every insurance provider has a list or a grid of every scenario you might find yourself in, and what you’ll have to pay in each situation. Know when you’ll have to pay a deductible and when you won’t. This way, you can prepare yourself financially.

Utilize Your Insurance Benefits

Your insurance benefits are there for a reason, so make sure to utilize them! This can include things such as preventative care and screenings. These services are typically covered 100% by your insurance company when provided by an in-network provider. Taking advantage of these benefits can help you stay healthy and avoid costly medical bills down the road. 

Call Your Provider

The best way to learn to navigate your medical insurance is by being proactive. Call your insurance company’s customer service department and ask them to walk you through the entire process of paying for your medical expenses. What happens when they receive a bill from your healthcare provider? Follow step-by-step instructions and ask questions when you don’t understand. 


The world of medical billing and insurance can be confusing, but it is important to understand so that you can make the best decisions for your health. Make sure to follow these tips, be proactive, and you’ll be navigating your medical insurance without any problems.