by Guest » Mon Jan 26, 2009 02:46 pm
I'm curious as to what the most common questions (and misconceptions) potential clients have regarding health insurance. For example:
Is my doctor in network?
What will my premium be?
What will my total cost of services be?
What's covered? What isn't?
Is my doctor in network?
What will my premium be?
What will my total cost of services be?
What's covered? What isn't?
Posted: Tue Jan 27, 2009 01:59 am Post Subject:
Is there a co-pay? Do I have to call you before I go to the doctor? will you pay for Rx? What about surgery or ER do i need your 'consent'? will you drop me if i get sick?
Posted: Tue Jan 27, 2009 09:05 am Post Subject:
Would you cover expenses related to out-of-the-network care? What is the referral system? Do I always have to go through the referral system before consulting a specialist? What is the waiting period for the coverage commence?
Posted: Tue Jan 27, 2009 01:21 pm Post Subject:
What is the waiting period for the coverage commence?
Certainly, this is one!
Also, I've heard that some people are curious to know if the proposed coverage would cover any of their pre-existing health conditions!
Posted: Wed Jan 28, 2009 05:24 am Post Subject:
I find that the clients I talk to usually sweat the small stuff (dr's copays, prescriptions, etc.) way too much while neglecting to think too much about how well they are covered in case of really bad things happening to them such as an unexpected medical condition,(heart attack/stroke/etc.) an accident, or the onset of a long term disease such as cancer.
I see far too many people willing to pay extra to get a smaller copay for doctors office visits, and lower drug co pays but then be willing to cut corners on their hospitalization coverage. To me, that is wasting money because the insurance system has it geared to where people pay more in premium dollars than they will ever get out of it in medical bills being covered.
On the other hand, those dollars are better spent on reducing out of pocket exposure from those large expenses that could financially cripple you.
I have never seen someone go into bankruptcy for an unpaid doctor visit bill but have seen several cases of those large hospital bills as being a contributing factor.
Posted: Thu Jan 29, 2009 03:48 pm Post Subject:
I think that's an excellent point. Outlining the max out of pocket is a good way to indicate this. Do you offer any supplemental coverages to people with larger OOP maximums? For example cancer or accident coverage.
Posted: Sun Feb 08, 2009 02:09 am Post Subject:
What is a deductible?
Can I be turned down for my pre-existing condition?
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