Health insurance companies like to keep secrets. And they like to save money. Example: You have surgery, and weeks later you get a bill for using an out-of-network anesthesiologist. Ridiculous, right? You didn’t choose who put you under, so you shouldn’t have to pay extra. But your insurer sent the bill anyway, hoping you wouldn’t notice.

Fighting back against this kind of trickery—and winning—is a lot easier than you think, says Kevin Flynn, president of Healthcare Advocates, a Philadelphia-based firm that helps patients wrangle with their health plans. We checked with Flynn and other insurance-industry insiders, lawyers, doctors, and regulators to uncover nine little-known ways to get the health coverage you deserve—for less.

Don’t pay if you don’t have a say.
When you purposely see an out-of-network doctor, your plan usually makes it clear that it’ll cost you. But when you have surgery, the hospital chooses the anesthesiologist. If you get that annoying “out-of-network” bill, Flynn says, draft a strongly worded letter stating you had no say about the anesthesiologist—in-network or otherwise—and, therefore, won’t pay any additional fees. “If you don’t have direct control, you are not liable,” Flynn says, adding that this tack is likely to work every time, but few consumers know about it.

You may be eligible for more coverage.
Depending on your state, you could be eligible for more benefits than your plan is telling you about. Take Maryland, for instance. Health plans operating there must pay for expensive infertility coverage. But one state over, in Virginia, they don’t. It’s unlikely that your plan is trumpeting info about state-mandated coverage, though. It’s up to you to get the scoop. One good place to check is Families USA (www.familiesusa.org), a consumer group that keeps tabs on state rules, suggests Kevin Lembo, Connecticut’s official health care advocate for consumers. Another option: Contact your state’s insurance commissioner.

To get tested, talk up your symptoms.
Your insurer doesn’t want to pay for a colonoscopy if it’s not necessary. But if your best friend is diagnosed with colon cancer and you want the $675 test to put your mind at ease, here’s how to get one covered: Mention to your doctor that you’ve had some blood in your stool and a lot of gas lately—or simply that your bowel habits have changed. Your plan has to pay for the test if you have gastro complaints, health experts say. (Only 21 states require insurers to cover colonoscopies for general screening.)

Stall first, answer questions later.
When Wendy Decenzo became pregnant with twins, she wasn’t worried about health insurance. Her husband, Chris, had made sure to get a health plan that covered pregnancy well before they started trying. But when Wendy began going for prenatal visits, coverage was denied. Their plan, Blue Cross of California, wouldn’t say why. Instead, the insurer asked the Decenzos to sign release forms allowing the plan to view their medical histories, which the law says are private.

Chris believes the company was looking for any info that the Decenzos may have accidentally omitted when they applied for coverage. If an omission were found, the couple might have been denied coverage. “It seemed like a fishing expedition in order to deny us,” Chris says. So they refused to sign, and three months later the plan started paying for the prenatal appointments, even going back and paying for earlier visits that hadn’t been covered. Flynn says lots of insurers try this trick, but since their review process usually lasts only 60 to 90 days, they often drop the inquiry after that. Sometimes, procrastination pays.

Letters are your best bet.
It may seem a bit inconvenient, but the old-fashioned letter is by far the best way to communicate with your health plan. “Don’t do anything over the phone. It takes forever and when you’re done there’s no record of it, so it didn’t happen,” says Rhonda Orin, a Washington, D.C.–based attorney and author of Making Them Pay: How to Get the Most From Health Insurance and Managed Care.

Letters almost always get a response, adds Lembo, the Connecticut health care advocate. Some plans will answer e-mail, but many won’t. And to whom, exactly, should you address your mail? Experts recommend following your plan’s appeal process for letters and sending copies to your state insurance commissioner. Also, keep copies of every letter you’ve sent your plan and everything they’ve sent back. That way, when your insurer says, “We never said we’d cover that,” you can say, “I have it right here in writing.”

Doctors can be good weapons.
You just got four massage sessions, under doctor’s orders, for lower-back pain—but your insurer refuses to pay for them? Ask your doctor for help. He can tell the insurer he’s going to complain to the state board that regulates health plans.

“Health plans may not fear you, but they do respect the board,” says James Moss, a retired Kentucky surgeon. He intervened on a patient’s behalf and, by pressuring the board, helped the patient win coverage. Another option: Say you’ll call your congressman and/or state Medicare office to lodge a formal complaint, Moss says.

Caveat: Don’t actually contact your state board yourself if a claim is denied. Janice Weiss, a Jupiter, Florida–based attorney who fights health plans for consumers, says some of her clients who went this route ended up hurting their cases when the state agency ruled their claims invalid; that left them little recourse with their insurance companies. Instead, while working your plan’s appeals process, just suggest you may take the matter to your state.

A little research can go a long way.
If you want a special CT scan or MRI, your doc probably won’t authorize it unless it’s an absolute must. Persuade her with expert info from the American College of Radiology’s Appropriateness Criteria, says Anne Roberts, executive vice chair of the department of radiology at the University of California, San Diego. Used primarily by doctors but open to the public, it’s an up-to-date list of the types of imaging that are right for various conditions (Click here for a link to the radiology site.) Arming yourself with the info doesn’t guarantee coverage, but it’s a proactive step in the right direction.

There are ways to get drugs cheaper.
Doctors are often wowed by the latest and greatest drugs, which tend to be the most expensive. Make sure these newer, high-end meds are what you need before you leave the doctor’s office. Sometimes your insurance plan won’t pay for them at all; other times it’ll charge higher co-pays. In many cases, drugs have generic versions that are just as effective but cheaper than the newer ones. Always ask your doc (or the pharmacist) for generics. And if you really need a medicine that doesn’t have a generic version, order it by mail. Many plans have a less-expensive mail-order pharmacy option. Another prescription trick for people who have chronic conditions like allergies: Ask your doc to write you a prescription for two or three months’ worth of medication instead of one. Goodbye, extra co-pays.

An advocate can help you win.
Imagine being turned down for coverage after running up $125,000 in medical bills. That’s what happened to the parents of a daughter with anorexia just before they sought help from Kevin Flynn, of Healthcare Advocates. For $400, he took over the fight with their insurer and—after a year’s worth of combat—won.

Flynn is a patient advocate, part of a growing industry that makes its money from helping you. Some advo-cates help you interact with your doctor, while others specialize in insurance disputes. Most of all, firms like Flynn’s keep the letters going out on your behalf, saving you time, energy, and headaches. “The insurers know that advocates know the laws, the regulations—things a regular consumer might not know. That makes them nervous,” Flynn says.

Advocates can even get policies changed. One of Flynn’s clients, who had rectal cancer, was having trouble getting his insurance plan to pay for a new radiation therapy. The insurer claimed the treatment wasn’t ready for prime time, but Flynn found six studies showing its usefulness for the disease, got the coverage—and got the insurer to rewrite its policy.

To find an advocate, contact the Patient Advocate Foundation, says Laura Weil, interim director of Sarah Lawrence College’s Health Advocacy Program. Another helpful resource is the Society for Healthcare Consumer Advocacy. Also try checking with the medical association for a particular condition, like the Multiple Myeloma Association or the National Association of Anorexia Nervosa and Associated Disorders; many of these groups keep lists of advocates. See the links below for help:

Patientadvocate.org

SHCA_AHA.org

National Institutes of Health

Anad.org

I don’t know what more could be done in this situation!

“Just a pat on the back or a reassuring touch on the arm can be a powerful tool to influence behavior, according to new research. And it could determine whether someone invests in a risky financial venture or decides to play it safe. “It’s a very effective way of suddenly influencing people’s behavior without them realizing they are being influenced,” said Jonathan Levav, a professor of business and marketing at Columbia University in New York. “If you’re a doctor, or are in sales, this is a form of communication you might want to keep in mind,” he added in an interview.

Levav ’s findings, which are reported in the journal Psychological Science, are based on a series of experiments involving touch. In one study 67 men and women were asked to choose between a cash payoff and a risky gamble and then touched on the shoulder and back by male and female researchers. Levav and his co-author Jennifer Argo, of the University of Alberta in Canada, found that both sexes were more likely to select gambles with no guarantees of a payoff if they had been made to feel more comfortable, especially if touched by a woman.

In another experiment, 105 people were asked to allocate their money between two investments — a bond that delivered a four percent yearly return or a risky deal with no guaranteed return. Again, people who were lightly touched on the shoulder by a woman were more likely to select the option with the most risk. Levav and Argo suggested that the connection between comfort and risk goes back to our earliest recollections of human bonding. “A simple pat on the back of the shoulder by a female in a way that connotes support may evoke feelings that are similar to the sense of security afforded by a mother’s comforting touch in infancy,” they wrote in the study.”

Yahoo News

Answer this question honestly – do you read the small print when you buy games on the internet?

High Street retailing giant GameStation decided to put this to the test and inserted a new clause into their terms and conditions earlier this month that granted them legal rights to the immortal souls of thousands of their online customers. Here, in darkest legalese, is how they got away with such a heinous act:

“By placing an order via this Web site on the first day of the fourth month of the year 2010 Anno Domini, you agree to grant Us a non transferable option to claim, for now and for ever more, your immortal soul. Should We wish to exercise this option, you agree to surrender your immortal soul, and any claim you may have on it, within 5 (five) working days of receiving written notification from gamestation.co.uk or one of its duly authorised minions.”

GameStation’s fiendish clause specified that they might serve such notice in “six foot-high letters of fire” too, but also offered customers an option to opt out, rewarding them with a £5 money-off voucher if they did so.

Alas, hardly anyone noticed the clause, let alone the substantial bonus for spotting the gag. More to the point, the fact that it passed more or less unnoticed raises an important issue – too few people actually read the small print when they make online purchases.

According to GameStation, around 7,500 customers carelessly signed their souls away on the day. Were you one of them…?

Removing part of the brain can induce inner peace, according to researchers from Italy. Their study provides the strongest evidence to date that spiritual thinking arises in, or is limited by, specific brain areas.

To investigate the neural basis of spirituality, Cosimo Urgesi, a cognitive neuroscientist at the University of Udine, and his colleagues turned to people with brain tumours to assess the feeling before and after surgery. Three to seven days after the removal of tumours from the posterior part of the brain, in the parietal cortex, patients reported feeling a greater sense of self-transcendence. This was not the case for patients with tumours removed from the frontal regions of the brain.

“Self-transcendence used to be considered just by philosophers and crank new age people,” says co-author Salvatore Aglioti, a cognitive neuroscientist at the Sapienza University of Rome. “This is the first really close-up study on spirituality. We’re dealing with a complex phenomenon that’s close to the essence of being human.”

The authors pinpointed two parts of the brain that, when damaged, led to increases in spirituality: the left inferior parietal lobe and the right angular gyrus. These areas at the back of the brain are involved in how we perceive our bodies in spatial relation to the external world. The authors of the study in the journal Neuron1, say that their findings support the connection between mystic experiences and feeling detached from the body.

“The most surprising part was the rapidity of the change,” says Urgesi. “This discovery shows that some complex personality traits are more malleable than previously thought.”

Reasoning Project