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 Posted: Tue Sep 23, 2008 2:55 am Post subject: how to choose a health insurance plan? |
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| how to choose a health insurance plan? |
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yogesh0505
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Joined: 22 Sep 2008
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| Posted: Tue Sep 23, 2008 5:03 am Post subject: |
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Before deciding upon the health insurance carrier you're required to do a bit of research of yourself.
- Before deciding for the carrier, you should delve into their history to know about their credibility, claim handling process, client satisfaction, complaints and such.
- Also its important to learn about the financial stability of the insurer before signing the policy document.
- You can check out with the business rating bureaus and also with the state's department of insurance to know about the insurer's market performance and rating. The insurer with a higher rating along with fewer number of clients' complaints, is likely to be your choice.
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jeorge
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| Posted: Tue Sep 23, 2008 5:42 am Post subject: |
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While searching for the health policy, you should shop around for the price as well as for the benefits offered by the different insurer.
The premium rate even for same type of coverage varies widely between the insurers. Hence, comparison shopping is a prime requisite for the health insurance shoppers.
You may ask your physician for suggestions. It may be beneficial for you to choose the policy that your physician accepts. Also, pick a policy that offers a larger network of doctors to choose from.
~Jeremy |
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JeremyHolter
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| Posted: Tue Sep 23, 2008 7:21 am Post subject: how to choose a health insurance plan? |
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Yes Jeremy, I agree that rate is an important determinant of choosing a policy, but one shouldn't put over emphasis on it while shopping for the insurance plan.
The premium rate of the policy shares a direct relation with the coverage benefits offered by the plan. Hence, a policy that is covering larger aspects may cost more than a regular plan with limited benefits.
Here is how to choose a health insurance plan;
- what are the medical conditions covered by the plan?
- does it allow the policy holder to visit outside the network physicians?
- what portion of the cost you are required to pay out of pocket before the policy benefits kicks-in?
- does the policy cover wider range of treatments, including modern treatments?
- does it cover nursing home expenses?
- does it cover prescription drugs?
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jeorge
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| Posted: Sun Sep 28, 2008 6:19 pm Post subject: |
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| Simple. Pick a LOCAL broker with at least 20 years of experience. If you're not sure, email me and I'll investigate and find some reputable brokers for you. |
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OhioHealthInsurance
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| Posted: Sun Sep 28, 2008 6:37 pm Post subject: how to choose a health insurance plan? |
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these are imp things that u have to consider.
Amount that you have to pay out of pocket before your insurance will start paying for part of the cost and
next choosing a gd plan i.e for how many years.
Most and main factor is the considertion of co insurance and co payments how much a insurance will be willing to pay policy taker payments(hospital charges).
nor mally insurance companies pay 80% of the charges.choose the best.
main factors u hsd consider are the copayments ,coinsurance and u r deductions.
then u can plan u r insurance depending upon your health condition.
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kiran
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| Posted: Mon Sep 29, 2008 7:21 am Post subject: |
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Hi yogesh, I'm sure that my fellow members have already solved the problem for you. Its important to evaluate your needs before purchasing the policy. Nothing is worse than if you find out at the time of need that the coverage is inadequate or is not providing you the desired benefits.
Apart from the above, you should also keep the price of the coverage in mind. Try to receive as many quotes as possible for the same worth of coverage to decide accordingly.
Along with the other, if you are exposed to certain health perils due to your job or heredity, you may require to maintain higher limit or special rider for better protection.
BTW, OhioHealthInsurance, its nice to see you back on board 
Regards,
Juanita |
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Juanita
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Location: Idaho
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| Posted: Mon Sep 29, 2008 10:58 am Post subject: How to choose a health insurance plan? |
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Hi Yogesh,
Choose a plan that offers you maximum benefits. Settle for a plan that you think you will be comfortable with. However, do not go for a plan by value of the money involved alone. There are a lot of factors involved. It would be best to take help from a reliable agent (if you can get hold of one). Ask as many questions as you may want. Asking a few or all of these questions might help. Take a look:
• What will be the monthly premium to be paid by you?
• Are you entitled to any discounts?
• What are the deductibles?
• What percentage of reimbursement will you receive?
• What are the laboratories, hospitals and other care providers that you can use within the company's network?
• Which doctors are listed within the policy?
• Can you visit a doctor outside your policy network? How much will they cover in this case?
• What about going to a specialist?
• In case of a chronic disease, how will your plan treat it?
• Can you be entitled to a prescription drug plan?
• Are alternate medicines covered too?
Happy to help |
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sil
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OhioHealthInsurance
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ninatins
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OhioHealthInsurance
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| Posted: Sun Nov 08, 2009 5:00 pm Post subject: |
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This is a simple question. The answer is which company of the reputable health insurance companies (if you haven't heard of them don't buy it unless it is well known) gives you the most health insurance for the least money in your demographic. Meaning if everything is the same (deductible, and out pocket and copays) then go with the cheapest.
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jeremy e
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| Posted: Wed Nov 11, 2009 1:38 am Post subject: |
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with Health insurance particularly you are better to pay a little more to make sure you are going to get good service at claim time. You just can't afford to be in a position where you have to fight your insurer to pay a claim that should be simple.
Make sure you get the level of cover you need and that there are no restrictions or exclusions on cover that you are not comfortable with.
Often different insurers will take a different position on pre existing medical conditions depending on their severity etc. so finding one that will give you the cover you want is a very important step.
Don't only focus on price. While important, the best price isn't as important as the best VALUE.
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heidrek
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| Posted: Fri Nov 27, 2009 10:21 pm Post subject: |
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step 1:
To get quick health insurance, try getting quotes for health insurance policies online. Look for Web sites that allow you to compare quotes from different policies to make sure you are getting the best possible value.
step 2:
To get quick health insurance, try getting quotes for health insurance policies online. Look for Web sites that allow you to compare quotes from different policies to make sure you are getting the best possible value.
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amndalb
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OhioHealthInsurance
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