There are many insurance companies offering health insurance and insurance plans vary from company to company, so before you choose a plan, decide which benefits are most important to you and your family.
Preferred Insurance would be glad to provide you with a summary of coverage so that you can compare health plans. A summary of coverage is a description of policy benefits, exclusions and limitations and should help make it easier to understand a particular policy and compare it to others.
Look at the benefits closely and think about your personal situation and what is most important to you. For instance, if you’re no longer planning to have children, you will not need a policy with maternity benefits, but you might be concerned if there’s no Chiropractic coverage if you have a back injury. Other considerations might include prescriptions for a chronic illness or condition such as high cholesterol. Are you concerned with preventive care and well visits for small children? Would you be comfortable in an HMO that might restrict your choice of providers or do you need to see a particular physician who has been treating a current condition. Are you concerned about your maximum out of pocket expense? Listed below are some of the questions that you should ask yourself, so that we can help you choose the plan that is best for you.
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Is my doctor a participating provider? This is important because if your doctor does not participate with the plan you are considering you will most likely have higher out of pocket expenses due to reasonable and customary expense and balance billing issues.
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Can I go to a provider out of the network?
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Does the new plan cover prescriptions? If so does it cover your prescription?
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Does the new plan have a prescription mail order program?
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Does the new plan cover Maternity? If so, does the Maternity benefit have a waiting period?
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Do I need a referral?
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Are pre-existing conditions covered?
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Are there co-payments for office visits only or do they cover x-rays and lab work?
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What is the maximum out of pocket expense for an individual? What is it for the family? Can one member satisfy the full family deductible and out of pocket expense?
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How is an emergency treated? What if I am out of our service area?
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Does the plan cover preventive care? If so, will it cover all family members? Is there an annual benefit maximum?
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Are Health screenings, such as breast exams and Pap smears for women covered?
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Are Chiropractic treatment and Alternative healthcare, such as acupuncture, covered?