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10
Questions You Should Ask About
HEALTH
Most people have considered
purchasing health insurance. But
what’s a co-payment? Is there
a deductible? Are pre-existing
INSURANCE
conditions covered?
Here are 10 things you shouldn’t
leave your health insurance
appointments without asking. a chronic or expensive illness or medical
condition. Experts recommend that you GENERAL TIPS:
1. How much are the monthly choose a plan that has at least a $1 million
premium, deductible, co-payment amount maximum benefit. • Ask friends and business associates what
and cap? How does changing one amount they do about health insurance.
affect the others? 6. What are the processes for getting
emergency care? When does care need to be • Put some thought into your needs
2. What does the policy cover? Does pre-approved? What are the rules for using and the needs of anyone else who will be
it cover maternity, prescription drugs, out- urgent care facilities? included in the insurance plan. Do you or a
of-hospital care, or home care? Are there dependent have any special health care needs
limits on the number of days the insurance 7. What preventive services, to consider?
company will pay for these services? such as well-child visits, immunizations,
mammograms, or checkups, are covered? • Shop around. There are numerous
3. What does the policy exclude? avenues for health insurance. Take the time
8. How are referrals to specialists to find one you are comfortable with, that
4. Will the policy cover any medical handled? also suits you.
conditions for which I’m currently being
treated? Are there limitations or a waiting 9. What if you are out of island and
period involved in the coverage? need medical care?
5. Is there a lifetime maximum cap 10. Is it possible to see a health care
the insurer will pay? This is important to professional outside of the network? If so,
know if you or someone in your family has how much will you have to pay?
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