Health Insurance Shopping Checklist | Online Health Insurance Quotes |
| These questions are part of a Consumer Action Kit put out jointly by the National Association of Insurance Commissioners and individual state insurance departments. Your state may also publish its own shopper's guide to health insurance. To find out, contact your state insurance department. Coverage What does the plan not pay for/exclude? What are the limits on pre-existing medical conditions? Will the plan pay for preventive care, immunizations, well-baby care, substance abuse, organ transplants, vision care, dental care, infertility treatment, durable medical equipment, or chiropractic care? Will the plan pay for prescriptions? Does the plan have mental health benefits? Will the plan pay for long-term physical therapy? | Premiums How often can rates be changed? How much do you have to pay when you receive health care services (copayments and deductibles)? Are there any limits on how much you must pay for health care services you receive (out-of- pocket maximums)? Are there any limits on the number of times you may receive a service (lifetime maximums or annual benefit caps)? Customer service What happens when you call the company's consumer complaint number? How long does it take to reach a real person? Source: National Association of Insurance Commissioners
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