As you all know how much health insurance is essential in today's world. We must be aware of the benefits of health insurance before buying it. But it happens that we buy the insurance and are not aware of the benefits. Therefore Colorado health insurance brokers have selected the top 5 questions for you that you must ask when buying health insurance. Here you go!
#1 Type of Plan? Find out what type of plan is it, if it is an indemnity health plan or a managed care system. With indemnity health plans, also known as fee-for-service plans, you will pay a percentage of the medical costs, and the insurance company pays the remaining percentage. Generally, you are allowed to choose your own doctors. With managed care meaning either a health maintenance organization (HMO) or a preferred provider organization (PPO) you have minimal out-of-pocket expenses. In an HMO, you or your employer pays a fixed monthly fee for the health-care services, but you can only go to a doctor who is under contract with the HMO. Still, if you are not clear about the insurance then you can ask Colorado health insurance brokers. #2 How Much Will I Have to Pay for Medical Care? First find out the amount of the premium. Next, ask whether there are any other hidden charges or not? As you will be charged a co-payment, a small flat fee, perhaps $10, charged for health care services. Some plans have a deductible instead, an amount that you have to pay before the policy starts to cover any medical costs. #3 I can choose My Current Doctors? Ask the group health insurance brokers whether you will be able to choose your doctors or hospitals on your own or there are any limits. Also, ask for a list of the doctors and hospitals that are going to get covered to decide if the plan is right for you. #4 Benefits to get benefited Ask the group health insurance brokers about all the benefits you are going to get benefited with. Ask if the plan covers dental, vision care, or other special services that you might need. Don't forget to ask about the prescription. Ask what benefits are not covered by the plan, too. 5: About Routine Examinations and Plan's Restrictions On Pre-Existing Conditions
Also Read: Top 10 Tips to Select the Best Health Insurance Plan
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