Remember, relying on your agents or brokers alone for your choice of health insurance could be a gross mistake. It is important to carry out a comparative analysis on your own.
Considerations for Comparing Medical Insurance Plans
Some key considerations while comparing medical insurance plans include:
=-Your Choice of Physician: Some medical insurance policies would need you to use only their own network of doctors. If you wish to keep seeing your current physician, it would be essential to check if he or she is a part of the network. If you are open to seeing someone new, consider checking on the credentials of the physicians included in the network before you choose. Make sure you have checked his location as well as availability for attending to emergencies, if needed.
=-Pre Existing Illnesses: Never assume that your health insurance policy will cover preexisting illnesses. Although it’s a no brainer, some of us may still forget to check! If you have pre-existing conditions like cardiac problems, diabetes and so on, consider policies that cover complications arising out of these.
=-Specialists: If there are reasons to believe that you might require specialists in the days to come, it would be essential to come to terms with the process applicable for getting in touch with specialists when you are under medical cover. Will you be always required to get in touch with your primary care physician? Is your current specialist a part of the insurance network? Finding answers to these questions would be essential.
Opting for medical insurance can be a great help, especially in times of crisis. Just make sure you choose the best one for you and your family.