What are some important questions to ask the agent prior to buying health insurance?
What is the cost of the monthly premium, deductible, co-payment amount and cap? How does changing one amount affect the others?
What does the policy cover? What does it exclude? Are there limits on the number of days the insurance company will pay for services such as prescription drugs, maternity or outpatient services?
Are pre-existing conditions covered?
Does coverage begin immediately or am I subject to a waiting period?
Is there a lifetime maximum cap the insurer will pay? This is important to know if you or someone in your family has a chronic or expensive illness or medical condition. Experts recommend that you choose a plan that has at least a $1 million maximum benefit.
How do I obtain emergency care? Can I use urgent care facilities without pre-approval? Am I limited to using certain facilities in the plan?
What else is covered? Its important to find out if routine services, such as preventive care, immunizations and mammograms are covered under the policy.
NOTE: The answers to coverage questions are primarily based on ISO forms generally used in Florida by most companies. However, please keep in mind that all companies forms are NOT necessarily the same. Some companies may provide broader coverage and some may be more restrictive. IN ALL CASES, THE CONSUMER MUST REFER TO HIS OR HER OWN POLICY FOR SPECIFIC COVERAGE INFORMATION.