Top 10 questions you should ask the insurance agent about health insurance
Insurance can be tricky if you forget or were careless to do the homework beforehand you went for insurance consultation. There is a whole bunch of information you need to ask according to your requirements, which you would not be able to do unless you did not do the proper research. Here, we have enlisted the top ten questions you should ask the agent when having health insurance consultation.
1. What type of plan is it?
Make sure you ask them about the type whether it is a managed care system or indemnity healthy plan. With indemnity health insurance plan, which is also known as fee-for-service plans, you are bound to a pay a specific percentage of medical costs however the rest of the percentage is paid by insurance company. Generally, you are permitted to get your own doctors for the plan.
Furthermore, with managed care, which means you have minimal out-of-pocket expenses. There are two kinds; HMO stands for Healthy Maintenance organization and PPO stands for Preferred Provider Organization. HMO is where you/ your employer pays a fixed monthly fee for health related services and in case of PPO, you/ your employer is given discount if you use physicians within the plan. You may go to your own doctor for PPO but you will have to more.
2. Which advantages are included?
Confirm if your plans coves vision care, dental and other special services and about prescriptions. Do not forget about the advantages, which are not covered by the plans as well.
3. Can I use my current doctors?
Do not forget to question about limitation for using your hospitals and doctors. If the plan is right for you, ask for the list of hospitals and doctors covered in theirs.
4. How much to pay for Medical Care?
Make sure you ask them for the amount to be paid as premium. Moreover, you should ask them how would be you be charges; as c0-payment or a small flat fee around $10 for health care services.
Some healthy insurance plans have deductible which means an amount paid beforehand the policy starts to cover medical expenses. What matters is that you find out the percentage of costs that your chosen plan will cover once you pay deductible.
5. Will health insurance plan covers routine examinations?
Question about pap tests, mammograms, immunizations and other routine check-ups.
6. What Are the Plan's Restrictions on Pre-Existing Conditions?
If you or someone in your family has a chronic condition, the policy may not cover related medical costs for a period of months -- or ever. Ask for how long pre-existing conditions are excluded
7. Can I ask see my doctor before going to emergency room?
Some plans need you to contact your doctor with 24 hours before you go to hospital emergency room otherwise your costs would not be covered. You can check health insurance plan by State Farm Park County Insurance Company.
8. How Does the Company Handle Disputes Over Claims?
All insurance plans have procedures for appealing denied claims. Many require that you take your dispute to an arbitrator, or an independent person who hears both sides and makes a decision about the claim. Ask what the company's average turn-around time is for resolving claim disputes.
9. Is the Insurer Financially Stable?
Find out how long the company has been in business. You don't want to get a really good deal with low premiums, only to find out that you can only see a doctor during very limited hours.
10. What Happens When I'm Away from Home?
If you need to go to the doctor while traveling, how much -- if any -- of the costs will the plan cover? How do you get reimbursed?
1. What type of plan is it?
Make sure you ask them about the type whether it is a managed care system or indemnity healthy plan. With indemnity health insurance plan, which is also known as fee-for-service plans, you are bound to a pay a specific percentage of medical costs however the rest of the percentage is paid by insurance company. Generally, you are permitted to get your own doctors for the plan.
Furthermore, with managed care, which means you have minimal out-of-pocket expenses. There are two kinds; HMO stands for Healthy Maintenance organization and PPO stands for Preferred Provider Organization. HMO is where you/ your employer pays a fixed monthly fee for health related services and in case of PPO, you/ your employer is given discount if you use physicians within the plan. You may go to your own doctor for PPO but you will have to more.
2. Which advantages are included?
Confirm if your plans coves vision care, dental and other special services and about prescriptions. Do not forget about the advantages, which are not covered by the plans as well.
3. Can I use my current doctors?
Do not forget to question about limitation for using your hospitals and doctors. If the plan is right for you, ask for the list of hospitals and doctors covered in theirs.
4. How much to pay for Medical Care?
Make sure you ask them for the amount to be paid as premium. Moreover, you should ask them how would be you be charges; as c0-payment or a small flat fee around $10 for health care services.
Some healthy insurance plans have deductible which means an amount paid beforehand the policy starts to cover medical expenses. What matters is that you find out the percentage of costs that your chosen plan will cover once you pay deductible.
5. Will health insurance plan covers routine examinations?
Question about pap tests, mammograms, immunizations and other routine check-ups.
6. What Are the Plan's Restrictions on Pre-Existing Conditions?
If you or someone in your family has a chronic condition, the policy may not cover related medical costs for a period of months -- or ever. Ask for how long pre-existing conditions are excluded
7. Can I ask see my doctor before going to emergency room?
Some plans need you to contact your doctor with 24 hours before you go to hospital emergency room otherwise your costs would not be covered. You can check health insurance plan by State Farm Park County Insurance Company.
8. How Does the Company Handle Disputes Over Claims?
All insurance plans have procedures for appealing denied claims. Many require that you take your dispute to an arbitrator, or an independent person who hears both sides and makes a decision about the claim. Ask what the company's average turn-around time is for resolving claim disputes.
9. Is the Insurer Financially Stable?
Find out how long the company has been in business. You don't want to get a really good deal with low premiums, only to find out that you can only see a doctor during very limited hours.
10. What Happens When I'm Away from Home?
If you need to go to the doctor while traveling, how much -- if any -- of the costs will the plan cover? How do you get reimbursed?
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