When considering health insurance, it is essential that you ask a number of specific questions about a health insurance plan quote to ensure you get the right coverage at the right price. Here we discuss 10 questions to ask:

Question 1. What out-of-pocket expenses and deductible will you have to pay? No health insurance plan will cover all of your medical bills and you will generally have to meet a deductible before your insurer pays and will also ask you to cover certain other expenses.

Question 2. What exams and health screenings does the plan include? Health plans vary considerably when it comes to preventive care and you will need to see which screenings are covered. For example, does the plan cover all family members, including babies, children, and adults, and provide things like breast exams, mammograms, and Pap tests?

Question 3. Are specialty care and referrals covered? When you need a referral to a specialist, this may or may not be covered, and if it is covered, you may have restrictions on that coverage.

Question 4. How is emergency care and hospitalization treated? Sometimes you will find that emergency care and hospitalization are only covered if approved in advance and you must fully understand the circumstances under which such treatment is covered.

Question 5. What prescription drug costs does the plan cover? You will need to carefully review any accompanying prescription plan to determine what drugs are allowed and to what extent you will have to cover part of the cost of prescription drugs.

Question 6. Are dental and vision care covered? In many cases, medical plans don’t cover dental and vision care, and then they must be covered under a separate plan.

Question 7. Does the plan cover psychotherapy, psychiatric services, or mental health services? Although many health plans cover mental illness in several different ways, such coverage is often limited and you will usually find that there is a limit to the amount of coverage provided.

Question 8. Is hospital, home and nursing home care covered? While most plans will offer pretty good hospital coverage, you will have to look at what coverage is provided for home health care and nursing home care.

Question 9. Are physical therapy and rehabilitation care covered? Plans will often separate initial treatment and follow-up rehabilitation care and physical therapy, so it is vital to find out exactly what is covered and what is not.

Question 10. Does the plan cover alternative care? As more and more people turn to alternative treatments such as acupuncture or holistic treatments, health insurance companies increasingly include coverage for such treatments. However, it is still early days for an alternative treatment, and if this is something you want to take advantage of, you will have to look to see to what extent you are covered.

The ten questions here should form the basis on which to consider any health insurance quote, but you may want to include other items on your own list, such as how much paperwork is required when it comes to making a claim under the plan, and how comprehensive it is your choice. when it comes to hospitals, doctors and other treatment facilities. The main thing, however, is to make sure you fully understand exactly what coverage is provided to you and how much it will cost before committing to a plan.