What to Find Out Before Choosing a Health Cover
Today, everyone is looking for quality but affordable healthcare. With the many health care providers in the market, you need to shop around well to find a suitable health insurance. You want a plan that offers a wide coverage and is also affordable.
You may find it quite a challenge determining the ideal plan to go for from the many offered by health insurance companies. You should find out about your obligations as well as that of the insurance company before choosing a plan. Moreover, knowing the meaning of the terms of the policy you want to select is important. There are a number of areas you should compare when choosing a health plan. Read on to find out these areas.
Is Your Doctor in the Plan?
For cover to apply in some health plans, the doctor you see must be in the provider’s network. If you would like to keep seeing your current doctor, check to see whether he/she is in the health insurance plan you are considering. Carry out a background check on the doctors in the health plan’s network to know more about them.
The best place to start searching for a good doctor is online. To find out about the educational history and professional background of a particular doctor, request for the information from the national doctor’s association. Apart from this, go to consumer review websites to find out what other patients are saying about the doctors you are evaluating.
Location and availability are also important factors to be considered. Check the location of the doctors’ practices and the hours that they work. Is there a doctor that is available on call at an hour that is convenient for you?
Which Specialized Treatments Will be Paid For?
If you have a pre-existing medical condition, you may require treatment by a specialist. Find out whether the health plan you choose covers serious health conditions. Some insurance companies require policy holders to contact them first for approval of specialized treatment. Confirm whether any specialists you may already be seeing have signed up under the insurance plan’s network.
Find Out About Waiting Periods
When you are comparing coverage of different health plans, you may forget to confirm about pre-existing conditions. This is a mistake you do not want to make as you can end up paying high amounts out of pocket to cover such conditions. Are pre-existing conditions covered under the plan? If the conditions are covered, are there waiting times? It is important to find out about these details before choosing a health insurance plan.
Emergency and Hospital Care
Does the health insurance plan cover hospital care and emergencies? Find out from your insurance agent what the health plan considered to be an “emergency”.