7 Important Questions to Ask Before Choosing a Health Plan
Life can pose a health risk at any given point of time. You must be prepared for that unforeseen moment. Do you have a feasible health plan? Or are you contemplating to buy one for yourself? Well, then here are some important questions to ask before choosing a health plan.
1. Ask about the insurance company?
You must enquire about the best health insurance company. It is important that you check for the authenticity of the company. Always choose a health plan from a company that is in the business since many years. It is must to ask about online health plan if you intent to buy it from an online health insurance company. Do take note of this.
2. What is your type?
There are many health plans out there, so you must know about your type of a plan. If you opt for a fee for service plan, then you have an option to choose your own network of hospitals and doctors. With managed health care plan, you have to choose from a network of hospitals and doctors that are available with the insurance company. So, make a wise choice.
3. What is your type of payment?
After you select a plan, you must look for all the added costs. Ask your insurance company about the premiums to be paid under your health plan. Ask about any added costs or fees in the plan. Many insurance companies also charge co-payment fees under health plans. Clear your doubt about the co-payment fees and other added medical costs of the plan.
4. Ask about the list of doctors?
In a health plan, the most important thing to consider is doctor and network of hospitals available. Now, there are some companies that may let you use your current doctor under the plan. But, if there is a fee regarding this clause, then it is important to know about it. Also ask about different doctors available in your area network for your reference purpose.