Health insurance companies are increasingly offering plans that cover health care services and prescription drugs, but it can be tough to compare plans.
Here are some of the most common questions you should ask when deciding if you’re covered by your plan.
Does the plan cover dental and vision care?
If the plan covers dental and/or vision services, your dental care will likely be covered under the plan.
However, you may be eligible for an out-of-pocket payment.
Can I pay my copayments on time?
In most cases, yes, but you’ll need to check with your plan provider to see how they calculate how much you’ll have to pay on top of your copayment.
Some plans may also offer a limit on your copays.
If your copaxions and copay fees are more than the plan allows, you’ll likely have to use a credit card to pay for your coverage.
Will I be covered for emergency care?
Some plans allow for out-patient care, such as surgery, when you’re injured.
This can save you money if you need it.
Some plan providers also offer in-network emergency rooms or other medical services for the uninsured.
If you need care immediately, you might be eligible to get emergency medical care from your health insurer.
Will my copays be refunded?
The insurance companies will typically charge you for the copay or deductible, and will refund your copys and deductibles if you fail to pay.
However in some cases, the insurance company will take a loss on the cost of the coverage, and you may owe additional premiums.
Will the plans have copay for prescriptions?
Some plan plans do not allow you to get prescriptions at the doctor’s office, but most plan providers will allow you a prescription from a prescription drug store, pharmacy, or other approved source.
Some states require pharmacies to dispense prescription medications, so if you don’t have an approved source for your medication, you could still be eligible.
Does my plan cover cancer care?
The plan may not cover cancer treatment, but the plan may pay for some services for cancer patients and their caregivers.
Will coverage include prescription drugs?
Some health insurance plans may not include prescription medications or other drugs covered under their policies, and some plans will require you to buy a prescription.
Some companies may also have policies that require you have certain drugs prescribed.
If this happens, you should check with the health insurance company to see if you can get coverage.
Do I have to be a current member of the plan?
If your plan does not offer benefits, you can sign up for one and still be covered.
However if you have coverage through another source, you will need to renew your membership before your coverage kicks in. 9.
What if my health insurance is terminated?
Some companies terminate plans that are no longer financially viable, and they will offer you an opportunity to get coverage through a new plan.
For example, a company may offer you coverage through its health insurance program and ask you to pay a $5 monthly fee and get coverage on another plan.
The fee can be waived for a certain period of time, but if you do not renew, the fee will apply.
You may also be eligible if you file a claim with the insurance office.
Can my plan pay for the prescription drugs I need?
If you have health insurance through another plan, the plan will pay for certain drugs.
If the drug is covered under your plan, it may cover prescription drugs for other people, and if it does, it will pay your copayer.
If no prescription drug is approved, your plan may still pay your co-payments for prescription drugs.
Will other people be covered if I get coverage?
Some states allow health insurance companies to provide health coverage to other people who have health coverage.
If a state allows this, you must be a resident of that state to be covered by the health care plan.
Will insurance companies charge me more for coverage if I have pre-existing conditions?
The health insurance industry generally doesn’t allow plans to impose exclusions on preexisting conditions.
However some plans do.
You might not be able to exclude pre-eldercare coverage if you already have pre or post-elderly conditions.
The health care industry does not require insurers to include coverage for pre- and post-existing condition exclusions in their plans.
Will there be any additional co-pays?
Many plans will include copays for out of pocket expenses.
However there are exceptions.
For instance, some plans provide discounts on prescription drugs that are not covered by pre- or post facto coverage.
These discounts may be worth more to you than the copays you would have to get under your current plan.
What happens if I am sick?
Your health insurance provider may ask