It’s one of the things we all promise we don’t do, that we sometimes even go out of our way to confirm we do do it but then renege on that promise, but none of us actually stop it. What are we talking about? Reading the terms and conditions of any product or service we buy. For most of us, it’s usually much later on — when a problem actually arises — that we decide to consult the accompanying pamphlet and see what exactly we are and aren’t entitled to legally.
When it comes to health products and health related financial services, it’s all the more shocking that we all pretend we read them and then discard them. We know how tempting it is, of course. Terms and conditions are usually written in tiny writing, hidden at the bottom of a page or buried under a huge tunnel of mess online, and it just seems like too much effort.
You can’t do that with health, and particularly financial products related to health. It might seem obvious, but this is the one area you can’t scrimp on your due diligence. The reasons are very simple. If you don’t read the terms and conditions of your phone insurance, you might be down a chunk of money to replace a phone. If you don’t read the legality behind health related financial products, then you could end up financially substantially worse off, and suffering from pain and discomfort for an oral problem that you can’t afford to get fixed.
The answer to this is very simple. If you have a dental card or any other similar product, as soon as you have purchased it you need to go and make sure that you have fully read and understood the terms under which you are covered. You need to know the ins and outs of a situation, so that when you actually come to need to use your dental card, you’re already aware of the exact circumstances of usage.
Think of it like this: you trip and fall, breaking one of your front teeth. You manage to grab your dental card and your car keys, then rush to an emergency dentist. They fix the issue, then present you with a bill. Only at that stage, you’re informed you’re not covered for emergency work.
Prevent this simply by taking some time to read through all of the literature that accompanies your policy or card. It won’t be fun, but it could save you a fortune.