10 Questions to Ask When Getting a Health Insurance Offer

When considering health insurance, it’s crucial to ask a number of specific questions about a health insurance plan offer to make sure you’re getting the right insurance at the right price. Here we look at 10 questions to ask:

Question 1. How much will you have to pay for out-of-pocket expenses and deductions? No health insurance plan will cover all of your medical bills, and you will often need to pay a deductible before your insurer pays and also asks you to cover certain other costs.

Question 2. What health screenings and exams are included in the plan? Health plans vary when it comes to preventive care, and you should look at what screening tests are covered. For example, does the plan cover all family members, including babies, children, and adults, and does it provide for things like breast exams, mammograms, and pap smears?

Question 3. Are specialist care and referrals covered? When you need to be referred to a specialist, this may or may not be covered, and if it is, restrictions may be placed on this cover.

Question 4. How is emergency care and hospitalization treated? Sometimes you will find that emergency care and hospitalization are only covered if approved in advance, and you need to fully understand the circumstances under which such treatment is covered.

Question 5. What prescription costs does the plan cover? You will need to carefully review the accompanying prescription plan to determine which drugs are allowed and to what extent you may need to cover some of the cost of prescription drugs.

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Question 6. Is both dental and vision care covered? In most cases, medical plans do not cover dental and vision care and therefore need to be covered under a separate plan.

Question 7. Does the plan cover psychotherapy, psychiatric services or mental health services? While many health plans cover mental illness in various forms, such coverage is often limited and you will normally find that there is an upper limit to the amount of coverage provided.

Question 8. Is hospital, home health and nursing home care covered? While most plans will offer pretty good hospital coverage, you will need to look at what coverage is available for home health and hospice care.

Question 9. Is physiotherapy and rehabilitation care covered? Plans will often separate initial treatment and subsequent rehabilitation care and physiotherapy, so it is vital to fully explore what is covered and what is not.

Question 10. Does the plan cover alternative care? While increasing numbers of people are turning to alternative treatments such as acupuncture or holistic health insurance, coverages are included for such treatments. It’s still early days for alternative therapy, however, and if that’s something you want to take advantage of, you’ll need to see to what extent this is covered.

The ten questions here should form the basis on which you consider any health insurance offer, but you may want to include other items on your own list, such as how much paperwork is required and how broad your selection is when it comes to claiming under the plan. when it comes to hospitals, doctors and other treatment facilities. But the key is to make sure you fully understand what coverage is available to you and how much it will cost before committing to a plan.

About Lily Hammond

I have been working as an insurance consultant in my own insurance agency since 1998. Because I've been doing this for so long, I know every detail and I'm here to help you. You can find my e-mail address and work phone on the contact page.

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