When you are considering health insurance it is vital that you ask several specific questions about any medical insurance quote to make sure that you get the right cover at the best price. Below we look at 10 questions that you must ask:
Question 1. What out of pocket expenses and deductible are there? No health insurance plan will cover one hundred percent of your medical expenses and you will normally have to pay a deductible before your insurance company will pay out anything at all and will also ask you to meet certain other expenses.
Question 2. What examinations and health screenings are you covered for? Health plans vary widely when it comes to preventative care and you will have to look to see what screening tests are covered. For example, does the plan cover all family members including babies, kids and adults and allow for things like as breast examinations, mammograms and pap smears?
Question 3. Is specialist care and referrals covered? Should you require a referral to a specialist this may or may not be covered and, if covered, could have limits placed upon that cover.
Question 4. How is emergency care and hospitalization treated? Sometimes you will find that emergency care and hospitalization are only be covered if pre-approved and you must fully understand the circumstances under which such treatment is covered.
Question 5. What prescriptions costs are covered by the plan? You will have to check out any accompanying prescription plan carefully to determine which drugs are covered and the extent to which you might be required to meet part of the cost of any prescription drugs.
Question 6. Are both vision and dental care covered? In a lot of cases medical insurance plans will not cover vision and dental care and these then have to be covered under separate plans.
Question 7. Does the plan cover psychotherapy, psychiatric services or mental health services? Although many health plans will cover mental illness in various different forms such cover is frequently limited and you will normally find that there is a cap on the amount of cover provided.
Question 8. Is hospital, home health and nursing home care covered? While the majority of plans will offer reasonably good hospital cover you will have to look at exactly what cover is provided for nursing homes and home health care.
Question 9. Is physiotherapy and rehabilitative care covered? Plans will frequently separate out initial treatment and follow-up rehabilitative care and physiotherapy and so it is vital to discover exactly what is and what is not covered.
Question 10. Is alternative care covered? As more and more people turn to alternative forms of treatment such as acupuncture or holistic treatments health insurers are increasingly covering such treatments. However, it is still early days in the move towards alternative treatment and, if this is something that you want to take advantage of, you will have to check to see to what extent it is covered.
The ten questions here should form the basis on which you consider any medical insurance quote but you may want to include other items to your own list like how much paperwork is required when it comes to making a claim under the plan and how wide is your choice when it comes to hospitals, doctors and other treatment facilities. The main thing however is to make sure that you completely understand exactly what cover you are being provided with and how much it will cost before committing yourself to a plan.