Questions for Buying Health Insurance

If you are in the market for health insurance, there are some important questions you need to ask.  Be sure that you know the specific details of the plan because once you sign on the line, it is your policy and ignorance is not excuse for anything.   There are many items and terms that must be understood. For instance,  limitations, restrictions of treatment locations, additional fees, exclusions as well as payment requirements.  Jot down these following questions so you are ready when it comes time to purchase insurance.

A good question would be, What out-of-pocket expenses and deductibles will I have to pay?  The premium is just the beginning as there will be other costs that you will need to pay first.  You should also ask if a medical examination and health screening included in the cost?  If any women will have this policy, be sure to check to see if breast exams are included and mammograms.  Also ask about how referrals and specialist care treatments taken care of?   Ask what is the procedure to get a referral for any special treatment that might be needed. 

Don’t forget to ask about dental and vision.  This is usually not covered under typical plans but some will have routine annual eye checkups and dental checks.