·
What is the “Maximum Out-of-pocket Costs” when in the
hospital for a major operation?
·
What are the prescription co-pays,
are contraceptives covered, is there an annual deductible on prescriptions in
addition to the medical deductible and is there a maximum benefit in dollars?
(Some plans offer a maximum of $1,000 in coverage. Once the maximum is reached
you are responsible for the full cost.)
·
How many doctor visits are you allowed per month, per
quarter, per year and per family? (Plans vary, providing two visits per year,
four visits per year, one visit per quarter up to unlimited visits.)
·
What are the physician services covered by name
(x-ray, pathology test, etc.) and what is the dollar amount covered before you
must pay your deductible? (One x-ray may
cost $150. A plan may state they cover
100% of physician services and later in the benefits it states “up to $100”.)
·
What is the deductible you are being quoted and what
is the family deductible? Some companies
state they cover many services such as chiropractic but only after the
deductible is paid and then the co-insurance must be paid. Ask which services are covered without having
to pay the deductible.
·
Are wellness visits covered for all family members,
how much is allotted in dollars for the actual wellness visit and are PAP
screenings and mammograms covered? Is
there a waiting period for wellness visits?
·
What is the lifetime maximum?
·
Are child well care visits and immunizations covered
and how much is allotted?
·
Are allergy injections covered?
·
How much will you be rated up for specific
pre-existing medical conditions?
·
Is Maternity needed, what is the cost, what is the
waiting period and what is covered?
·
What is the complaint level for the companies being
presented? Do you want a company whose
complaint level indicates they will hassle you on every claim?
It is important that you see in writing the
answers to all of the above questions prior to signing a policy. Premiums are based on these and other
benefits. The rule is generally that
more benefits will result in higher premiums.
If your premiums are excessively high for the same coverage as another
similar plan then you should shop around.
Do not be fooled by add on benefits that you may never
have a need for or use. Some companies provide a glossy four color book of
benefits that are seldom useful or used and increase the price for the
insurance.
Buy a plan that provides medical benefits to suit your
needs and budget. We are committed to providing this service for you at
Allchoice Insurance and look forward to helping you,
your family or your company, find the best value plan for your needs. (http://www.lowcostinsur.com)
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