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When considering health insurance, it's important to ask several specific questions about health insurance plan offers to make sure you have the right coverage at the right price. Here's an overview of 10 questions you should ask:
Question 1. How many deductibles and copayments do you have to pay? Health insurance doesn't cover all of your medical expenses, and you usually have to pay your deductible before your insurance company pays it and asks you to pay other expenses as well.
Question 2. What health checks and examinations were carried out? Health plans vary widely when it comes to preventive care, and you need to see what tests are covered. For example, does the plan cover all family members, including infants, children, and adults, and does it offer things like breast exams, mammograms, and pap smears?
Question 3. Are special treatment and referrals covered? If you need a referral to a specialist, it may or may not be available, and if it is covered, there may be restrictions.
Question 4. How is first aid and hospital treatment carried out? Sometimes you will find that emergency care and hospital care are only covered if they are pre-approved, and you should fully understand the circumstances under which such care is covered.
Question 5. What prescription costs does the plan cover? You should carefully review any prescription plans you carry to determine which drugs are allowed and to what extent you may be charged a portion of the cost of prescription drugs.
Question 6. Are both dental and vision care covered? In many cases, medical plans do not cover dental and eye care, and then a separate plan must be prepared for them.
Question 7. Does the plan cover psychotherapy, psychiatric services, or mental health services? Although many health plans cover mental illness in various forms, such coverage is often limited and you will usually find that there is a limit to the amount of coverage.
Question 8. Are hospitals, nursing homes and nursing homes covered? While most plans offer pretty good hospital coverage, you should look into home health and nursing home coverage.
Question 9. Are physiotherapy and rehabilitation covered? Plans often differ between primary care and ongoing rehabilitation and physical therapy, so it's important to find out exactly what is covered and what isn't.
Question 10. Does the plan include elective care? As more people use alternative treatments such as acupuncture or holistic medicine, health insurance funds increase the number of such treatments. However, alternative treatments are just starting and if you want to use them, you have to check how much it covers.
The ten questions listed here should form the basis of your health insurance quote, but you may want to add other items to your list, such as how much paperwork is required to file a claim under the plan. need and how wide your options are in hospitals, doctors and other medical facilities. The most important thing is to make sure you fully understand what you are being offered and how much it will cost before you commit to Plan