Global Courant
When considering health insurance, it’s essential that you ask some specific questions about a health insurance quote to make sure you’re getting the right coverage for the right price. Here we look at 10 questions you should be asking:
Question 1. What excess costs and excess do you have to pay? No medical insurance policy will cover all of your medical bills and you will usually have to pay a deductible before your insurer will pay out at all and ask you to pay certain other costs as well.
Question 2. What health checks and examinations are included in the insurance? Health plans vary significantly when it comes to preventive care, and you’ll need to check which screening tests are covered. For example, does the plan cover all family members, including infants, children, and adults, and does it include things like breast screening, mammograms, and Pap smears?
Question 3. Are specialist care and referral reimbursed? When you need a referral to a specialist, this may or may not be covered and, if covered, restrictions may apply to that coverage.
Question 4. How is emergency care and hospitalization handled? Sometimes you will find that emergency care and hospitalization are only covered if they are pre-approved and you need to fully understand the circumstances under which such treatments are covered.
Question 5. What prescription costs does the plan cover? You will need to carefully examine each associated prescription plan to determine which medications are allowed and to what extent you may have to pay a portion of the cost of prescription medications.
Question 6. Are both dental care and eye care reimbursed? In many cases, medical plans do not cover dental and vision care and must then be covered in a separate plan.
Question 7. Does the plan cover psychotherapy, psychiatric care or mental health care? While many health insurance policies 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. Is hospital, home care and nursing home care reimbursed? While most plans offer fairly good hospital coverage, check out what coverage is provided for home health care and nursing home care.
Question 9. Are physiotherapy and rehabilitation care reimbursed? Plans often separate initial treatment and subsequent rehabilitation care and physiotherapy, so it is vital to know exactly what is and what is not covered.
Question 10. Does the insurance cover alternative care? As an increasing number of people turn to alternative treatments such as acupuncture or holistic treatments, health insurance companies are increasingly offering coverage for such treatments. However, it’s still early days for alternative treatments and if you want to take advantage of this, you’ll need to see how far it’s covered.
The ten questions here should form the basis on which you consider a medical insurance quote, but you may want to add other items to your own list, such as how much paperwork is required when it comes to filing a claim under the plan and how wide your choice is when it comes to hospitals, doctors and other treatment facilities. However, the most important thing is to make sure you fully understand what coverage you’re getting and how much it will cost before committing to a plan.
10 questions to ask when considering a health insurance quote
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