Five things you may not know about second opinions, from the Harvard Health Letter

Most people face at least one major medical decision in their lives. Sometimes the treatment choice is clear-cut — but when it isn't, getting a second opinion is recommended, notes the October 2011 issue of the Harvard Health Letter.

Second opinions can lead to less expensive tests and treatments, so insurers have an incentive to allow — and may even encourage — second opinions. But the Health Letter editors advise insured patients to check with their health plans to make sure the consultation and any associated services are covered.