Questions to ask about a health insurance plan:
Instant Health Insurance Rates
With health insurance, it's imperative you enroll as soon as possible. Health problems and accidents develop out of nowhere, especially when you don't have coverage! If you are declined by a company because of health issues, only the state high risk fund or temporary health coverage may be available to you.
- Are there many doctors to choose from?
- Which doctors are accepting new patients?
- How hard is it to change doctors?
- How are referrals to specialists handled?
- Is it easy to get an appointment?
- How far in advance must routine visits be scheduled?
- How does the plan handle emergency care?
- What preventive services are provided?
- How convenient to your home and work are the facilities?
- How do you get medical treatment out of town?
- What are the annual premiums?
- What are the copayments for office visits, prescriptions, etc?
- What services are covered?
- Do they pay anything if you use a doctor outside the plan?
- Is there a deductible and coinsurance rate?
- Is there an annual maximum you pay out of pocket?
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