Health care reform protects consumers from runaway health care costs with government-regulated limits, right? The answer is yes but with a surprising caveat: Out-of-pocket limits are restricted to only those costs for essential health benefits covered under an individual’s health plan. That means patients can rack up bills for procedures, treatments or prescriptions not covered under their plan or outside their network. These costs may not count toward your out-of-pocket limit but can directly affect your wallet. Here are a few simple tips to help you prepare for and protect against unexpected medical bills.
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