When considering health insurance, it is essential that you ask a number of specific questions about a health insurance quote to ensure that you are getting the right coverage at the right price. Here we take a look at 10 questions you need to ask:
Question 1. What fees and deductibles will you have to pay? No medical insurance plan will cover all of your medical bills and you will usually have to pay a deductible before your insurer pays at all and will ask you to cover certain other expenses as well.
Question 2. What screenings and health exams are included in the plan Health plans vary widely when it comes to preventive care and you will need to look to see which screening tests are covered. For example, does the plan cover all family members, including babies, children, and adults, and does it include breast exams, mammograms, and Pap tests?
Question 3. Are specialized care and referrals covered? When you need a referral to a specialist, this may or may not be covered and, if covered, restrictions may be placed on this coverage.
Question 4. How is emergency care and hospitalization treated? Sometimes you will find that emergency care and hospitalization are only covered if they have been previously approved, 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 any accompanying prescription plan to determine which medications are allowed and how much you may need to cover part of the cost of any prescription medication.
Question 6. Are dental and vision care covered? In many cases, medical plans do not cover dental and vision care and therefore must be covered under a separate plan.
Question 7. Does the plan cover psychotherapy, psychiatric services or mental health services? Although many health plans cover mental illness in various forms, this coverage is often limited and you will normally find that there is a cap on the amount of coverage provided.
Question 8. Are hospital, home and retirement home care covered? While most plans offer fairly good hospital coverage, you will need to look at exactly what coverage is provided for home health and nursing home care.
Question 9. Are physiotherapy and rehabilitation care covered? The plans will often separate initial treatment and follow-up from rehabilitation and physiotherapy care, so finding out exactly what is and what is not covered is essential.
Question 10. Does the plan cover alternative care? As more and more people turn to alternative treatments like acupuncture or holistic treatments, health insurance companies are increasingly including coverage for these treatments. It is still early days for an alternative treatment, however, and if this is something you want to take advantage of, you will need to look to see how covered it is.
The ten questions here should be the basis on which you consider any medical insurance quote, but you might want to include other things on your own list, such as the amount of paperwork required to make a claim under the plan. and the width of your choice. when it comes to hospitals, doctors and other treatment facilities. The key, however, is to make sure that you fully understand what coverage is provided to you and how much it will cost you before committing to a plan.