Q: Is there any way I can ensure that I purchase the right coverage plan?
Being absolutely positive about whether or not you choose the right coverage plan truly is crucial and is necessary for everyone. To start off with the shopping process, make sure that you know the answers to these questions:
- Will you or your family be able to pay for medical coverage even when your temporarily uninsured?
- How much will the premium cost me per month, year and quarter?
- How much is the deductible?
- Is the deductible per illness or injury, or is it yearly?
- How much of the deductible can you pay?
- What are the available discounts?
- What is the co-pay or co-insurance per office visit?
- What is the co-pay or co-insurance per wellness care?
- How widespread do you want your coverage to be?
- How often do you get sick?
- Do you have any pre-existing conditions?
- How dangerous is your job?
- Do you play any sports where you can get injured?
- Can you afford to pay for the doctor visits on your own?
- Will you mind being confined to a provider’s network?
- Will you need coverage that will include prescription medication?
- What is your current physical condition?
- How often do you see the doctor?
- How much can you pay?