When you are choosing a good health insurance plan it is essential that you ask a number of specific Questions about a health insurance plan quote to ensure that you get the right cover at the right price. Here we look at 10 Questions that you need to 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? If you need a referral to a specialist this might or might not be covered and, if covered, may have restrictions 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 dental and vision care covered? In many cases medical plans will not cover dental and vision care and these then have to be covered under a separate plan.
Question 7. Are psychotherapy, psychiatric services or mental health services covered? While a lot of health plans will cover mental illness in its various different form cover is frequently restricted and you will usually find that there is a limit to the amount of cover provided.
Question 8. Is hospital, home health and nursing home care covered? Although most plans will offer reasonably good hospital cover you will have to look carefully at just what cover is provided for home health and nursing home care.
Question 9. Is rehabilitation and physiotherapy covered? Medical plans will frequently separate out initial treatment and follow-up rehabilitation and physiotherapy and so it is vital to find out exactly what is and what is not covered.
Question 10. Does the plan cover alternative care? As an increasing number of people are turning to alternative treatments like acupuncture or holistic treatments health insurance companies are increasingly including cover for such treatments. It is however still early days for alternative treatment and, if this is something that you want to take advantage of, you will need to look to see to what extent it is covered.
These ten Questions should form the basis on which you consider any low cost medical insurance quote but you might want to include additional items to your own list such as how much paperwork is required when making a claim under the plan and how wide is your choice when it comes to hospitals, doctors and other care facilities. The most important thing however is to make sure that you fully understand just what cover you are getting and how much it will cost before committing yourself to a plan.
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