How to Know Your Insurer’s Knowledge and Scrape Insurance
Scrape insurance companies’ websites and ask your insurance company questions about their products and services.
You can also ask your insurer questions about your health or wellness, including how to access care in your home or workplace.
Insurers are required to maintain a list of current and accurate information about their policies and coverages.
For example, if you have a policy that requires you to report all your medical and health care expenses, it’s important to know which medical and care plans your insurer covers.
You might also want to know if the insurance company covers insurance products that are more expensive than the policies that you have.
Scrape Your Coverage.
If you think you might have a problem with your insurance coverage, try asking your insurer for an explanation of how it works and how you can request that it change your coverage.
Insurer policies are designed to help protect you and the company from risks and to protect the company’s financial and operational interests.
Ask your insurer about how they determine your coverage and how to review it, including if it is comprehensive or non-comprehensive.
Insured individuals should always ask their insurer for coverage that they consider “core” and avoid coverage that is “exclusiv” or “limited.”
If you’re not sure whether your insurer has core or nonessential coverage, ask your insurers for information on this topic.
Learn more about Insured Individuals.
If your insurer doesn’t cover your health care needs or if it only covers certain types of care, consider requesting a referral from your insurer.
You may be able to get a referral through your state insurance department or by contacting your state’s department of insurance.
Insure Your Home and Family.
It’s important that you know how to properly access insurance and to understand the different types of insurance coverage that your insurer offers.
Ask questions about insurance companies and how they process claims.
Find out about your personal responsibility plan, which covers home health care and can include coverage for certain medical services, such as inpatient care and hospitalization.
Insuring your family also helps you stay healthier, avoid financial stress, and help protect your family and property.
Ask about the benefits of your policy, including whether it covers certain treatments and services and whether you have to pay any deductibles or other fees.
For more information on how to get your health insurance, visit Health Insurance Underwriting and Consumer Protection.