Choosing a health insurance provider is an important decision for you and your family. You want to have adequate coverage, but it’s difficult to parse the jargon and terms that potential providers give you. Here are five things you absolutely need from your health insurance provider to protect your health and the health of your loved ones.
The Ability to Choose: Several providers do not allow their clients to choose which doctors they see. The ability to choose with open flexibility will allow you to get second opinions, meet with the best doctors, and get the overall care you need. If your insurance doesn’t cover out-of-network visits, make sure it reimburses you for your out-of-pocket expenses.
Dental Coverage: Many times dental coverage is stand-alone insurance, but some health insurance companies are starting to add dental coverage. Dental care is becoming increasingly difficult to get and expensive. At a minimum, you want your children to be covered for routine checkups, braces, and early wisdom teeth removal. Emergency cover for you and your partner can also be helpful.
Coverage based on your health history: It’s difficult to plan for the future when it comes to your and your family’s health. However, emergencies and unforeseen problems occur. If you’ve ever had a condition that requires special care, definitely consider a health plan with more substance. Specialists are usually not included in basic plans and there may be limits on the number of visits allowed per year. Choose something that reflects your needs and potential needs.
A fully accessible fee schedule: No one likes surprises when undergoing a procedure. Being hit with costs you weren’t willing to pay hurts your wallet and your health. Make sure you have an easily accessible list of fees and co-pays for each type of visit and procedure. If you can’t find this information, you should be able to make a simple phone call to find out. Your health insurance should disclose this information easily.
24-hour access to service representatives: Emergencies happen in the middle of the night and on holidays. Having access to 24-hour service representatives is incredibly important so you can receive the care you need. Not all health problems can wait until regular business hours. A representative should be able to tell you if your current needs are covered, analyze your account information, and much more. Surprisingly, many providers do not offer this service. Make sure yours does.