Choosing Your Health Plan
If you’re choosing the health plan that’s right for you, don’t just think in terms of cost. Choosing the cheapest plan might end up with the equivalent of almost having no insurance at all. Before you sign on with one company, take time to examine what the coverage and limitations the plan holds. And try to find one that is tailored to your specific needs.
First, check which hospitals and medical providers the insurance company has accredited. They usually have a list of doctors you can consult, and a visit to a non-accredited service provider will have to be paid for personally by you. Second, you should check which illnesses are covered, and up to how much. Most insurers have a list of “dreaded diseases” that they will only cover up to a certain amount, anything over that amount will also be shouldered by you. You should also check what tests or procedures will be covered by your insurer.