We all need health insurance to cover the high cost of medical care. Not all insurance policies carry the same coverage for the same price. When researching insurance coverage you need to ask specific questions to get a quote that will give you the right insurance for your needs at the correct price.
There are thousands of insurance companies out there from the well-respected Blue Cross Insurance to lesser-known smaller companies.
When getting a quote, either over the phone, in person or through the Internet, you should ask the following questions.
Ask how emergency care and hospitalization are treated. For example, some companies require emergency care and hospitalizations are pre-approved before they are covered. You'll need to completely understand the circumstances on how the treatment is covered.
Ask what deductible and expenses you will have to pay from your own pocket. All medical insurance plans require you to cover a part of your medical expenses. This is usually through a deductible you have to meet before they will pay any. You will normally have to meet other expenses as well.
Ask what health screenings and examinations the plan includes. Health plans vary significantly when it comes to preventative care. You need to know what screening tests are covered. You want to make sure the plan covers everyone in the family including babies and adults. The coverage should provide such things as mammograms, pap smears and breast examinations.
Find out if specialist care and referrals are covered under the policy. If you should require a referral to a specialist you'll want to know that this is covered under your policy or if there are any restrictions.
Also find out what prescriptions costs are covered by the plan. Look at any prescription plan paperwork to determine what drugs are allowed and how much you might have to cover.
There are other questions you might want to ask such as how much paperwork is involved in making a claim or do they have a wide variety of hospital and doctors to choose from. Make sure you thoroughly understand the policy before you commit to it.
Insurance QuotesJim Konerko provides excellent tips on shopping for a health insurance policy [http://health-insurance-aid.com/tips-for-shopping-for-a-health-insurance-plan], plus several other insurance articles, at his great Blue Cross Insurance Aid [http://health-insurance-aid.com] website.
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