Health insurance has been in the headlines recently after a public consultation paper with proposals to "enhance the regulatory framework for health insurers" was published. Here the Bermuda Health Council has issued some tips on getting the most out of your healthcare dollars.

If, like most insured people, you cringe at having to pay for healthcare "upfront", read on. Not all healthcare providers charge in full for their services at the time of delivery. However it is understandable that, for some insured patients in particular, having to pay upfront can cause financial hardship. In extreme cases it can even dissuade some from seeking care. To get the most from your healthcare dollars, keep these tips in mind.

Know your health coverage inside and out

You should never have to guess about health coverage or out of pocket expenses. Ask your employer or insurer for a report of your schedule of benefits and confirmation of coverage. Provide proof of insurance to your provider. Tell your provider about any change in address, job, health insurer, or contact information.

Know what you can afford

If you are on a tight household budget and having cash flow problems, you should avoid spending money upfront for health services that are covered by insurance. Shop around; find out which providers charge upfront before visiting their office. If you have a good and long-term relationship with your provider, talk to them about a payment plan and stick to what you agreed to pay. You have freedom of choice try seeing a provider that submits claims on your behalf.

Be proactive

Enquire about costs when making an appointment. Ask if the provider charges upfront or takes insurance payments. Find out if they display a fee guide so that you know how much the most commonly used services cost. Enquire about what the co-payment will be. Ask about any charges to write a prescription. Some costs may not be covered by health insurance. If you need to see a specialist, ask the referring provider about the potential costs, payment options, and who to contact.

Follow the rules

Once you know your coverage, whether a provider charges upfront, and how much cash you have, you know the rules. Follow them. Pay your health insurance premium on time. If you need pre-authorization to see a specialist, get it. Follow the provider's recommended treatment plan. If you're insured, try to avoid paying for services already fully covered by your health insurance.

Plan ahead for family changes

If you are expecting a baby or planning to get married, your insurance needs and premium may change. If you have been recently diagnosed with a health condition, follow the advice and care plan of your healthcare provider this can lower the need for more visits. Talk to your provider; they are concerned about your health and are willing to help.