Are you shopping for new health insurance this year? You will likely have the opportunity to speak to a team member at a health insurance agency before you pick a plan. Here are some of the top questions you should ask before landing on a policy:
Eight Questions to Ask Your Health Insurance Representative
1. What are the procedures that validate your quote?
2. Can I go to any doctor or hospital that I choose? Or do you set up networks with preferred providers only? Which ones?
3. If I get sick in a state where you don’t have providers, can I still use my insurance? Am I subject to out-of-network costs if not? Does this apply if there is an emergency?
4. What happens before and after significant events such as the birth of a child, marriage or divorce, death of a spouse/partner, relocation across state lines, or job loss?
5. How does your company handle pre-existing conditions, and what is the appeal process if you are denied coverage?
6. What form of payment — cash, check, or credit card — do you accept for your healthcare services?
7. What are the fees associated with your plan? Are there any deductibles or co-pays, and what is the deductible for a specialist?
8. Is there an additional penalty if I do not get insurance mandated by my state (the so-called individual mandate)? If so, how much extra will I have to pay?
Get the Best Policy with the Right Questions
Asking the right questions can help you decide which provider will be best for you. Make sure to take the time to speak with a health insurance agency representative before finalizing any plan.
