Strategies to Choose a Health Insurance Plan

Every person has the right to insure oneself. Whether you have an employer who is happy to give you a choice of insurance plans or that you may need to purchase one for yourself, it is crucial that you understand and have considered the type of insurance that is best for your situation.

The following are a few strategic questions that insurance policy seekers should know while in the process to choose a health insurance plan.

Affordability of the care expense

• How much is the monthly insurance bill?


• Are there penalties in cases of delays in the payment?


• How can I track my payments?


• Should I include in the health insurance all the medical needs even the simple basic ones (cough, fever, medical check-ups, etc) or just the serious conditions only?


• How much is my insurance limit?


• Which medical services should I include in the health insurance?


• Only the expensive medical services should be taken into the plan?


• What deductibles do I have to pay before I get reimbursed?


• After meeting the deductibles, how much of the medical expenses are reimbursed?


• How much will be reimbursed if I go to doctors outside of the insurance company's network?

Services covered

• Which medical facilities and services are covered by the insurance?


• Will the insurance take part in the payment if I use medical services and facilities outside of the insurance company's network?


• How easy and fast can it be if I change primary physicians?


• Is permission needed every time I see a medical specialist?


• Will the plan cover my pre-existing medical condition?


• Are the prescription medicines covered by the plan?


• Are my maintenance medications covered by the plan?


• Are certain diagnostic procedures included in the insurance plan?


• Does the plan consider and reimburse on alternative medical therapies like chiropractic treatment and other conventional or innovated methods?


• Will chronic conditions be catered by the health insurance plan?


• Does the plan consider delivering a baby and maternity care?


• Does the plan consider disability or hospice care?


• Does the plan consider health emergency situations?

There are many questions that a policy insurance seeker should throw before finally landing on a certain insurance plan. To choose a health insurance plan is not that easy. You are investing on something which will make a difference later on. It is your responsibility to make sure that the insurance you are choosing is the right one for you and your family. Certain considerations are to be followed and should be bear in mind.