Saturday, April 2, 2016

Educate Yourself!

You should know your medical records like you know your credit score.

New York Times Blog Article, "Let patients Read Their Medical Records" by Dhruv Khullar, M.D., March 31, 2016 11:00 am: NY Times Blog Article-Patients Reading Their Medical Records.

Just as you should know what is documented in your credit report and what your credit score is, you should also know what is in your medical records, according to Dr. Khullar, I completely agree.  This is a right that many people are unaware of, yet they should be very educated and knowledgable on.

Your medical records are reviewed by the medical professionals that see you and form a mental story and opinion of you, often only after reviewing your chart.  Many times there things that may be inaccurate or no longer consistent with what is happening in your life.  Sometimes things in your medical chart may not even be true.  Your narrative, which is the most important part of your medical story, should take center stage...not your medical files filled with history that may or may not be accurate.

Medical professionals are not the only ones reviewing your medical charts.  Whenever you want to get new insurance; such as health, disability, and life...your medical chart and history will be reviewed from the past previous five years. This can not only cause you to be denied a solid plan, it can also cause your premiums, deductibles, and out-of-pocket expenses to sky rocket.  So be an informed consumer, not only with your credit, with your health history too.  Make sure everything's accurate. It's for your benefit.

    Reynaldo Leal for The Texas Tribune

Seek out a benefits consultant for assistance with understanding your medical needs, plans, and future needs.

Stephanie Puryear
Benefits Consultant, Licensed Insurance Broker
Phone: (847) 530-8943

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