Many people don’t actually read the policy for the
policy plan book; they may not be aware that the
policy may pay 100% of certain procedures, like annual
physicals, mammograms, flu shots or certain labs
tests.

The policy plan book will outline for you what
procedures are not subject to the deductible or co-pay
(your out-of-pocket expense).

Some insurance companies have shifted their emphasis
from health insurance to health improvement and
maintenance and will pay for the cost of gym
membership, nutritional counseling or plans to stop
smoking.

If you were trying to lose weight and knew that you
could get these services at no cost, wouldn’t you take
advantage of them?

If you wanted to quit smoking, wouldn’t it be
beneficial to know that you could get the patch for
free?

It is very wise to know what services are available to
you through your insurance company, and you will only
know if you take the time to read through your policy.

Health insurance is an expensive item; take advantage
of every aspect of it that you can, not only for
yourself but for the members of your family.

By taking full advantage of the free benefits of your
health insurance policy, you will be healthier and
possibly require fewer visits to your doctor.

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Here are some critical questions that should make up your list when you’re talking to health insurance companies to get quotes:

A) Exactly what coverage does your plan cover?

Health plans are incredibly different when it comes to what they do, and more importantly don’t, cover. Ask about things like screening tests, and ensure that all family members in the plan can get required screenings done as part of the plan. If there is a contribution to be made by you, find out what this is.

B) Understand exactly what contributions you have to make (out of pocket expenses).

With the majority of medical insurance plans, you will be expected to make some level of contribution towards bills and treatment and it’s important to understand what these are.

C) What level of coverage is provided for medical emergencies?

Different plans treat emergency cases differently so it’s crucial to understand exactly what you’re signing up to.

D) What level of specialist care is covered?

If you require a referral to a specialist for a condition, what level of contribution will the plan make towards this cost? Are there any conditions that are excluded when a specialist is required.

E) Medical plans can vary significantly in terms of visual and dental care. Ask what level of coverage your plan has for these.

F) Will the plan payout for prescriptions and medications? To what extent?

G) What level of coverage is available for hospitalization? What about if home nursing is needed?

H) Many plans do not offer coverage for mental illness, this is something to bring up when comparing quotes.

I) Ask about issues such as rehabilitation, alternative medicines and physio –
again, these are issues that you need to be aware of as different plans will treat them differently.

J) What is the coverage for pregnancy care and pre/post natal care.

K) What are the different levels of inpatient and outpatient coverage.

Finding the best possible plan for you can be a tricky thing, because you’re looking for the most comprehensive coverage while paying the lowest possible premiums. Your ultimate quote, and the type of plan that will be offered will ultimately depend on your age, health, sex and various other factors such as whether you smoke and other lifestyle characteristics. If, at the time of getting the health insurance, you do not suffer from any existing health issues you can often get a far better premium rate than those with significant health difficulties.

Also, beware of paying extra for coverage that you may not think you need – for example, if you have no history (or family history) of depression or mental illness then there may be a case for not paying extra premiums to cover an illness you’re unlikely to get. Of course, no one can be absolutely certain about what illness we may or may not pick up in the future.