Questions You Need To Ask Your Insurance Agent
Anyone that is active pursuing health insurance coverage need to find a few things out before making a final decision. You need to ask questions first because otherwise you may not get all the coverage that matters to you. If you are unsure about some of the possibilities involved you need to understand a little better what to expect. If you have the info then you will be able to ask the right questions of your agent. You need to know now all the different things that will make a difference to your insurance
First of all you are going to know what it will cost you immediately. Ask what the estimate your monthly premium to be. They can give you a rough idea. It will be eventually decided at a firm amount after the underwriters finish with your information, but your agent should be able to give you an idea at least. Then you will know whether or not the plan that you are thinking about using will work. The premium does depend on several factors that you can adjust as well.
The deductible and the premium work like a see saw. When one is high usually the other is low. Generally you will be paying one way or another, so this is something that depends on what you think you will need. If you have a low monthly premium you know that you don't have a large monthly payment to deal with. But you will have the possibility of paying a lot if your family needs some care. After you have paid for enough doctor visits and other care to meet your deductible you will then have a coinsurance payment that might come up.
You really need to find out from your agent what is the maximum amount of care that will be payed for. Some people think that once they meet the deductible the insurance can just go on forever no matter the cost. That is not true. Every policy has maximum limits on the amount they will spend for care. There are limits for a year and for your whole life. The other expense that you will want to ask about is what prescription drugs that they will pay for. You would think that if a doctor prescribes it then he must think that you need it, but insurance companies will pay for some and not for others.
The last thing that you need to get an idea about is the availability of doctors. You will get to pick whatever doctor you want from a list , or a network of providers. You have to be sure that there is someone convenient for you in this list. If you already know of a doctor you like you can see if they are one of the guys on the list. If not you can ask the doctor which they are on so you can use that plan. Getting to a specialist can sometimes require a referral. If that is an issue you will want to see about that too.
First of all you are going to know what it will cost you immediately. Ask what the estimate your monthly premium to be. They can give you a rough idea. It will be eventually decided at a firm amount after the underwriters finish with your information, but your agent should be able to give you an idea at least. Then you will know whether or not the plan that you are thinking about using will work. The premium does depend on several factors that you can adjust as well.
The deductible and the premium work like a see saw. When one is high usually the other is low. Generally you will be paying one way or another, so this is something that depends on what you think you will need. If you have a low monthly premium you know that you don't have a large monthly payment to deal with. But you will have the possibility of paying a lot if your family needs some care. After you have paid for enough doctor visits and other care to meet your deductible you will then have a coinsurance payment that might come up.
You really need to find out from your agent what is the maximum amount of care that will be payed for. Some people think that once they meet the deductible the insurance can just go on forever no matter the cost. That is not true. Every policy has maximum limits on the amount they will spend for care. There are limits for a year and for your whole life. The other expense that you will want to ask about is what prescription drugs that they will pay for. You would think that if a doctor prescribes it then he must think that you need it, but insurance companies will pay for some and not for others.
The last thing that you need to get an idea about is the availability of doctors. You will get to pick whatever doctor you want from a list , or a network of providers. You have to be sure that there is someone convenient for you in this list. If you already know of a doctor you like you can see if they are one of the guys on the list. If not you can ask the doctor which they are on so you can use that plan. Getting to a specialist can sometimes require a referral. If that is an issue you will want to see about that too.