January 15, 2012

California Health Insurance Buyers Guide

Whether you are buying health insurance coverage through your employer’s group health insurance plan or you need to buy your own individual health insurance or family health insurance policy, it is important that you first health insurance choices and pick the best health insurance program that is best for you and your family. Here are some questions you should ask yourself when choosing a health insurance or major medical insurance plan: 

Affordable Health Insurance starts with examining the cost of care.
  • What is the monthly health insurance premium I will have to pay?
  • Should I try to self insure most of my medical expenses or just the large ones?
  • What deductibles will I have to pay before the insurance plan starts to reimburse me?
  • After I have met my deductible, what percentage of my medical expenses are reimbursed?
  • What is the cost if I choose to use doctors outside the insurance company’s network?
Does the health insurance plan cover the services I am likely to use?

  • Are the doctors, hospitals, laboratories and other medical providers that I use in the health insurance company’s network?
  • If I want to use a doctor outside my PPO network, will the plan permit it?
  • How easily can I change primary-care physicians?
  • Do I need to get permission before I see a medical specialist?
  • What are my insurance benefits for a health emergency, at home or out of town?
  • If I have a pre-existing medical condition, will the plan cover it or is there a waiting period?
  • Are the Rx prescription medicines that I use covered by the plan? Is there a separate deductible
  • Does the health plan offer alternative therapies such as acupuncture or chiropractic treatment?
  • Does the plan cover maternity or well baby benefits?
The best way to buy affordable health insurance is online using comparison software offered by Quotebroker.com. Within minutes you can shop all available insurance plans in your State, compare features and apply for coverage online directly with the insurance company of your choice. For more information call (800) 783-0802