Majority of insurance holders, regardless of what type of insurance they have are always confused about the different propositions and policies that they face, but that does not mean that this problem is an endless dilemma for insurance holders because there are a lot of guidelines that insurance companies layout to their clients to be guided accordingly.
One of the most complicated and most common insurance policy that a lot of people avail is the medical insurance and a lot of people are confused and lost in its different aspects of it including you, the one reading this article right now, however, to help you get through a lot of hassle, here are the essential questions that you should be asking before you buy a health insurance plan.
ASK FOR THE TYPE OF PLAN
If you want to find out the indemnity of your health plan, you should ask for payment percentage of the medical costs covered every time you use the health insurance plan policy that you bought because this determines the percentage of the total cost the insurance company will cover and how much you will be paying in the remaining percentage especially when it comes to insurance companies that are health maintenance organization (HMO) or a preferred provider organization (PPO) which both have minimal out-of-pocket expenses. HMO’s are the usual medical insurance policies employers give to their employees that have fixed the monthly fee to avail of the healthcare services while PPO gives the employee and the employer a discount every time they seek medical consultations from physicians.
ASK FOR THE MEDICAL CARE PAYMENT
Finding out the premium of your chosen medical health care insurance gives you a good overview of it so that you can get set aside the needed monthly budget for its monthly fee. You can also ask if you will be charged as a co-payment or a small flat for the health care service they provide to you. There are medical plans that are deductible where you have to pay before the insurance policy starts its effect in covering your medical costs.
ASK IF YOU CAN STILL CONSULT TO YOUR PREFERRED DOCTORS
If you want to know if your doctor is covered by the medical insurance policy that you bought, you better ask the insurance company for that matter to learn if there are limitations that do not cover your doctor at all. You should ask for the doctors who are covered by the insurance and hope that your current doctor is on the list.
ASK FOR THE BENEFITS OF THE MEDICAL INSURANCE PLAN
Medical insurances are complicated to understand especially when it comes to the medical services, diseases and doctors that are covered of the entire policy. Much better if you ask for the complete coverage of your preferred medical insurance so that you can compare it with your other options considering that a lot of people gets medical insurance with lifetime renewal.
ASK FOR ANY COVERAGE THAT INCLUDES YOUR ROUTINE CHECKUPS
This is important especially women who frequently have routine checkups because one of the reasons why they availed of a medical insurance is to help them save costs especially with their checkups that is why it is important to ask the insurance company if routine checkups are covered with the medical insurance policy that you availed.