subject: Obtaining Emergency Medical Insurance [print this page] Obtaining Emergency Medical Insurance
Emergency health situations can happen to any one of us. It could be quite alarming when it does. Most people think they don't need emergency medical insurance but they are wrong. Employees might be covered under their employers' group medical insurance but if you are unemployed, self-employed or a temporary staff, then you need emergency medical insurance. It will make you work with the assurance that you are protected if you get an accident at work or elsewhere.
Emergency medical insurance gives comprehensive medical coverage for individuals and families. Gives worldwide coverage while traveling in or out of the country, your choice of any doctor or hospital and a flexible choice of deductibles and payment methods.
The best place to start in obtaining your emergency medical insurance is the internet. You can get free insurance quotes from different companies on the web. Confirm the status of the companies you are interested in with the Better Business Bureau in your state before going further with them. There are several packages available and different pricing. Take your time to find a company that can offer the best coverage for the amount you can afford to pay.
Ensure that you understand everything on the emergency medical insurance agreement before you sign up with the company. Request for written materials that clearly explain what to do when you need emergency care. Where to go for emergency care. When, and how to call for an ambulance etc. You should have access to daytime and nighttime telephone numbers of medical personnel.
There must be absolutely no delay of your access to treatment in an emergency .No pre-authorization requirement. Federal emergency treatment law requires that a medical screening examination must be performed on every emergency department patient regardless of ability to pay.
All payments that you will make must be absolutely spelt out. An example is an emergency hospital visit that ends up being a false alarm. Your deductible should be what you can easily afford.
Ensure that the emergency medical plan has access to hospitals with readily available and qualified medical professionals. They should also have arrangements with better equipped medical institutions in case you will need to be referred. Hospitals should also be conveniently located.
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