Health Insurance Daily Guide

Plan for Retirement: When planning to retire, find out what health benefits, you and your spouse can avail of during your retirement years. Check with your employer’s benefits office, your union, the plan administrator, and check your SPD. Clarify any conflicting information gathered from these sources about the benefits you will receive or the circumstances under which they can change or be eliminated. Having this information, you can decide on other important choices, like finding out if you are eligible for Medicare and Medigap insurance coverage.

Declined Benefit Claims: Study your plan’s grievance procedure, and find out where to make appeals of the plan’s decisions.

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