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How To Obtain Health Insurance Coverage For Work Related Injuries

2010-09-22

Work injuries can be treated differently from normal injuries or conditions by a person's health insurance provider. Unfortunately, health insurance coverage doesn't operate in the same way from one insurance provider to the next. Work injuries are handled differently by health insurance coverage providers, too, depending on many factors, including the occupation of the health insurance policy holder. It's important to understand how work injuries will be covered.

In many cases, your health insurance coverage will not handle the costs of medical bills from work injuries unless there's a special "work-related injuries" clause in your insurance contract. Some insurance companies offer this special add-on coverage, while others do not. You'll have to contact your insurance company in order to find out, and consider whether it will be worth your money to add work-injury coverage to your current contract. To decide, you should consider whether or not you're in a particularly risky occupation and compare the extra cost of coverage to a few health insurance quotes online. This will give you some perspective on whether or not it's worthwhile to opt into your insurer's special work-injury program, and you'll additionally benefit from viewing a few of the other options available.

It's important not to confuse health insurance coverage with disability insurance, and when discussing work injuries many people make this simple mistake. Disability insurance usually doesn't cover medical bills related to a work injury; it simply covers a portion of the policy holder's wages in such an event. You're not going to be doubly covered if you're paying for both disability insurance and a health insurance policy. You may have double coverage if you've purchased private insurance, but you're also eligible to receive health benefits from your employer or your spouse's employer. In these cases, you'll have to carefully read your health insurance contracts to see which coverage will pay for your treatment. You will not receive double payment for work injuries, and there's a good chance only one of the health insurance companies will offer coverage for your work injuries in the first place.

Everyone should consider whether or not their health insurance coverage handles work injuries, as the potential costs of such injuries can be enormous. As with every other aspect of health insurance, the most important thing for policy buyers to remember is to take the time to understand a policy before purchasing it. This can prevent a dangerous misunderstanding that could lead to a lack of coverage just when you need it the most, and as most modern health insurance contracts are fairly simple, there's no reason to take the risk.

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