You should know which charges your insurance plan will pay and which ones will be your responsibility. It is important that you be aware of any restrictions and regulations in your health insurance policy, such as:
* Prior approval from your insurance company before you can be referred to a specialist or admitted to a hospital
* Second surgical opinion before you can undergo surgery
* Notification to your insurance company within 24 hours if you are admitted to a hospital on an emergency basis
* Other requirements or limitations and the correct forms to file