There are a lot of people who confused with regards to selecting the best health insurance. Basically, the process can be comparable to finding cheap iPhone repair. You want to receive the best service yet, you don’t want to be ripped off by paying a huge sum of money. Only in health insurance, things are more serious and should not be rushed. Well, in an effort to narrow down your paperwork, here is a list of questions that you have to ask prior to making a decision.

What’s the Type of Plan?

It is your job to find out if it’s a managed care system or indemnity health plan. In the latter, this is otherwise called as fee-for-service plans. You are paying a percentage of medical cost and then, the insurance company will be paying the remaining fee. In most cases, you’re allowed to pick your doctors.

As with managed care, this means that either a Preferred Provider Organization or Health Maintenance Organization, you’ll have a minimum out of pocket expenses. As with HMO, your employer or you will be paying a fixed monthly fee for the health care services but, you could only visit a doctor who’s in network in the plan.

With a PPO on the other hand, you or your employer will receive a discount if you make use of a physician within the plan. You might also be able to go outside the PPO system but expect to pay more.

How much does it cost for the Medical Care?

You need to know the premium amount. Next is to ask whether you’d be charged with a copayment or a small flat fee like ten dollars for health care services. There are some plans that also have deductible or the amount that you must pay before your policy kicks in to cover the medical costs. You need to learn about this as well and know the percentage of costs that’ll be covered by the plan as soon as you have met the deductible.

Can I use my Current Doctors?

Inquire about the limitations on selecting your hospitals or doctors. Make sure that you’ve asked for list of hospitals and doctors that are covered before deciding whether the plan is for you or not.

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