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10 Very Important Questions That You Ought To Ask If Your Are Purchasing Health Insurance

If you are thinking about getting a health insurance quote the specific details of the plan are important and there several questions which you should always ask. Merely considering the premium that you will have to pay is insufficient and you have to look at various different things including any limitations, additional payments and fee requirements, restrictions on where treatment can be undertaken, exclusions and one ot two other things.

Here are several important things which you should always consider when you are purchasing health insurance

1. What deductibles and out-of-pocket expenses will I have to pay The premiums are just a starting point and the majority of plans will require you to meet the cost of your bills up to a certain figure before your insurance kicks in. Thereafter, you will usually also have to make a payment towards the cost of each medical bill.

2. Are medical examinations and health screenings covered under the plan Examine the plan to see whether or not the plan includes cover for routine medical examinations including such things as breast exams, mammograms and pap smears for women.

3. How are specialist care treatments and referrals handled Examine the procedures you have to follow if you require referral for specialist care and whether or not there are special provisions for meeting the cost of specialist treatment.

4. What level of cover is given for hospitalization or emergency care {Take a look to see whether you will need pre-approval for hospital or emergency treatment. It might seem ridiculous but some policies will not allow you to ask for emergency care without the pre-approval of a nominated physician.

5. Is cover given for prescription drugs A lot of plans will limit the medications which can be prescribed frequently specifying that a list of generic drugs rather than brand name drugs must be prescribed. You should also look very carefully at what percentage of any cost which you will have to meet for drugs.

6. Is vision and dental care provided A lot of plans do not cover vision and dental care at all while some limit care to just routine annual eye and dental checkups.

7. Is psychiatry, psychotherapy and other mental health care provided Not all insurance plans will cover these areas and where cover is given you have to look very carefully at the extent of the cover being offered.

8. Is hospital, home and nursing home care covered It is very important to examine the extent to which cover is given for care in hospital, in a nursing home or at home and whether or not there is a limit on your cover.

9. Is rehabilitation and physiotherapy covered Illness or accident often results in a need for rehabilitation or physiotherapy and so it is important to see the extent to which such treatment is covered.

10. Is alternative treatment covered As an increasing number of us are choosing alternative care such as the use of acupuncture or holistic treatments you need to check to see if these are covered if this is something which you want to make use of.

The premium which you will have to pay for any health insurance plan is certainly very important but you should remember that it is just one part of the overall package which you are purchasing.