If you are selecting a new health insurance policy or a supplemental insurance policy, there are a few important questions that need to be asked. By asking these questions, you can learn more about the coverage. You can also find out if the policy is a good fit for your needs. While there are many questions to ask, we have narrowed down the list to three of the most important questions you should ask.

What Types of Deductibles Will I Have With This Plan?

One of the most common misconceptions when it comes to health insurance is that your deductibles are consistent across the board. You may pay one deductible for preventative care, a different amount for specialists, and another for emergency care or hospitalizations. You should always ask what types of deductibles a certain policy has and then look at a chart that lists the different deductibles.

What Doctors and Hospitals Are Covered By the Policy?

If you already have doctors that you have a relationship with, you may wish to continue using those doctors. You should always find out what doctors and hospitals are considered in-network with a health insurance policy. If you are willing to change doctors or do not currently have a new doctor, this may not be something you need to weigh that heavily. According to Spectrio, 77% of patients read online reviews to help them find a new doctor or healthcare provider.

Are Prescriptions Covered With This Insurance Policy?

Take the time to inquire about prescription coverage. Some supplemental insurance policies cover prescriptions, while others don't. And even if they are covered, they may only cover generic prescriptions or certain types of medications. There may also be limits to the prescription amount you can receive. If you already take medications, find out if they would be covered under the new policy you are considering.

Selecting a supplement insurance plan or an entirely new health insurance policy can be a lot. There are many factors to consider and weigh. Fortunately, you do not have to do it alone. An insurance agent can sit down with you, answer any questions you have, and help you find the best policy for your needs. Whether you are looking for an entirely new policy or a supplemental insurance policy, ValuCare Insurance Services can help. Call us today to schedule an appointment.