Now more than ever, ongoing changes with health insurance plans make it especially important to understand your coverage and know the costs you are responsible for when visiting your physician, having tests, and undergoing procedures. For this reason, Harbin Clinic recommends that you learn the details of your plan before upcoming health care visits.

Your insurance plan may require multiple copays, higher deductibles, and co-insurance. Coverage will depend on the type of plan your employer has chosen and the options available to you.  You can learn the details of your policy by visiting your insurance company’s website or contacting its customer/member services department. The back of your insurance card should include the phone numbers and website addresses you will need.