Questions to Ask When Buying Health Insurance

Think of a health care plan as a passport to healthy lifestyle. It is a good idea to study information on care and coverage plans of different insurance companies. When in doubt you must know what questions to ask and what factors to look for when shopping for health insurance. Access to a high quality health care plan will go a long way in making you fit and healthy.You must have the following questions in mind while reviewing different health care plans.

If you need help finding travel insurance for visiting the US we can help.

Travel Health Insurance Educational Videos: Visitors Insurance Videos

Consider These Questions Before Buying Travel Insurance

General Questions

  • Is my employer paying for my health insurance?
  • Am I solely responsible for my health insurance?
  • How well is an insurance company rated?
  • Have I compared the services and benefits across different health insurance companies?
  • How does the Health Maintenance Organization (HMO) plan work?
  • How does a Preferred Provider Organization (PPO) plan work?
  • How do I choose a medical group or independent practice association (IPA)?

Questions related to HMO plan

  • How do I choose a health care provider?
  • What are the tools to find a primary care physician?
  • What are the tools to find a medical group and IPAs?
  • What are the customer service numbers?
  • What are the advantages of a HMO plan?
  • What are my copayments?
  • How will I receive bills for any medical service that I receive from my medical group?
  • Do I have my Evidence of Coverage? (This is very important)
  • Do I have a Summary of Benefits?
  • Do I have member ID cards for all the enrolled members of my family?
  • What are the health and wellness services and lifestyle programs in my plan?

Questions related to PPO plan

  • What are the advantages of a PPO plan?
  • What are the tools to find a health care provider?
  • How do I locate a good PPO network health care provider and how do I schedule an appointment?
  • Do I have member ID cards for all the enrolled members of my family?
  • Do I have my Evidence of Coverage? (This is very important)
  • Do I have a Summary of Benefits?
  • What is out-of network coverage?
  • How do I file a claim?
  • What is Annual Out-of-Pocket Maximum?
  • What are the health and wellness services and lifestyle programs in my plan?

Talk to your friends and co-workers to learn about good doctors, medical groups, emergency care, urgent care facilities, and overall satisfaction with their health care experience. Before you choose a health care plan, you should be aware of all the products, services, and information that can potentially make a difference to your health care. Making an informed decision will serve your health care needs in an effective manner.

Do You Need Help Finding The Best Visitors Insurance? COMPARE PLANS    LEARN MORE


                  Array
    (
        [url_title] => https://www.path2usa.com/sample-form-i797-h1b-approval-notice
        [title] => H1B Approval Notice
        [term_id] => 242
    )
                  
  • H1B Approval Notice
  •               Array
    (
        [url_title] => https://www.path2usa.com/sample-documents-for-us-visa
        [title] => Sample documents for H1B
        [term_id] => 243
    )
                  
  • Sample documents for H1B
                  Array
    (
        [url_title] => https://www.path2usa.com/flight-to-usa
        [title] => Traveling to USA
        [term_id] => 286
    )
                  
  • Traveling to USA
  •               Array
    (
        [url_title] => https://www.path2usa.com/
        [title] => At the Port of Entry
        [term_id] => 287
    )
                  
  • At the Port of Entry
  •               Array
    (
        [url_title] => https://www.path2usa.com/
        [title] => H1B Transfer
        [term_id] => 337
    )
                  
  • H1B Transfer
  •               Array
    (
        [url_title] => https://www.path2usa.com/
        [title] => Tips for New H1B Job
        [term_id] => 240
    )
                  
  • Tips for New H1B Job
  • H1B tracker
  •               Array
    (
        [url_title] => https://www.path2usa.com/rights-and-responsibilities
        [title] => Rights & Responsibilities
        [term_id] => 569
    )
                  
  • Rights & Responsibilities