Questions Regarding Michigan Healthcare

Summarized View:

Investing in a health insurance policy can be a cakewalk, or it can be difficult as hell – depending on what your insurance quotient is. Okay, let's assume that you are one of the common folk out there who wants to buy a great health insurance plan. So, hey, before finalizing your health insurance plan, sit down across the table (or computer) with your agent and grill him with the following questions:

  • To what extent are doctor and hospital bills covered in the plan?
  • How much premium will I have to pay every month?
  • Is there a co-insurance clause? Will I have to compulsorily bear a part of doctor and hospital bills? (Co-insurance is the amount that you have to shell out compulsorily, despite paying the premiums.)
  • What are the free services provided in the plan?
  • Does the plan give me access to quality healthcare (what doctors, which hospitals)?
  • I am comfortable dealing with my family doctor. Can you ensure that his bills will be covered in my new health insurance plan?
  • Does the plan give me access to preventive procedure, such as tests and routine check ups?
  • Does the deductible start fresh each year for every illness that I get?
  • Will the plan cover my existing medical conditions?
  • If I am affected by a condition that is chronic in nature, will it affect my future premiums? Or, will I be reimbursed for healthcare expenses incurred for treating this condition?
  • Does the plan cover prescription drugs?
  • Does the plan feature a lifeline limit? Lifeline limit is the maximum amount an insurance company will pay for medical costs incurred in the insured's life.
  • Is the insurance company good?
  • Does it feature a great rating and approval by an accredited rating institution?
  • Given my existing condition and the amount I am presently spending on healthcare, what should be the ideal deductible?

Asking these questions will put you in the thick of action. You will begin to understand how your health insurance plan ticks and how it will affect your budgets and savings. Plus, the answers to these questions will help refine your health insurance choices and you will end up choosing a quality health insurance plan that reconciles with your needs. Good luck.

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