10 Vital Questions Which You Ought To Ask Whenever You Are Purchasing Health Insurance

If you are considering getting a health insurance quote the details of your plan are crucial and there a variety of questions that you must ask. Just looking at the premium which you are being asked to pay is not enough and you need to look at a variety of different things including any limitations, additional fees and payment requirements, restrictions on where treatment can be sought, exclusions and several other things.Below are a number of very important questions which you must always ask when you are buying a health insurance plan:1. What deductibles and out-of-pocket expenses am I going to have to pay? The premiums are merely the beginning and most plans require you to meet the cost of your bills up to a specified amount before your insurance plan kicks in. Thereafter, you will usually also have to make a contribution towards the cost of each medical bill.2. Are medical examinations and health screenings included in the plan? Examine the plan to find out whether or not your plan includes cover for routine medical examinations including such things as mammograms, breast exams and pap smears for women.3. How are specialist care treatments and referrals dealt with? Examine the procedures to be followed if you have to be referred for specialist treatment and whether or not there are any special provisions for meeting the cost of specialist treatment.4. What cover is provided for emergency care and hospital treatment? {Take a Look to see whether or not you will need pre-approval for emergency or hospital treatment. It might seem crazy but some policies will not let you ask for emergency treatment without the pre-approval of a specific physician.5. Is cover provided for prescription drugs? Many plans limit the medications that can be prescribed frequently stating that a list of generic drugs rather than brand name drugs must be prescribed. You should also look very carefully at what percentage of any cost you will have to meet for drugs.6. Is cover for dental and vision care provided? Many plans do not cover dental and vision care at all although some limit treatment to just routine annual eye and dental checkups.7. Is psychiatry, psychotherapy and other mental health care provided? Not all insurance plans will provide cover for these areas and where cover is provided you need to look very carefully at exactly what level of cover is being offered.8. Is hospital, home and nursing home care covered? It is very important to examine the extent to which cover is provided for care in a nursing home, hospital or at home and whether or not there is a ceiling on any cover.9. Is rehabilitation and physiotherapy cover given? Illness or accident frequently results in a need for rehabilitation or physiotherapy and so it is important to see the extent to which these are covered.10. Is alternative therapy covered? As more and more of people are turning to alternative treatments such as the use of holistic treatments or acupuncture you should check to see whether these are covered if this is an area that you want to make use of.The premium you are paying for any health insurance plan is naturally very important but you must not forget that it is just one small part of the overall package you are buying.