Does Insurance Cover Treatment?
I do not file insurance anymore. I found it to be a waste of time, and seldom fruitful. Sometimes companies have kitchen plans for their employees, or you might be able to establish and use a Health Savings Account (see next FAQ).
What is a Health Savings Account?
Over 2 million people have established their own health savings account plans since Jan. 1, 2004 (when the old medical savings accounts became known as health savings accounts). The main reason people switch to an HSA is the huge premium savings realized by switching to a high deductible health plan that is required (under IRS regs) for an HSA plan. Of course, special tax advantages are also a welcome benefit.