subject: Common Questions About Health Insurance [print this page] Understanding insurance policies can be very confusing. Health insurance is one of the single most important types of insurance you will ever invest in simply because you and your family's health are dependent upon having a good health insurance policy. A good health insurance policy will provide inexpensive preventative maintenance check-ups which ensure wellness. These are commonly known as annual physicals or wellness check-ups and most insurance companies will pay for these fully or will a large portion of the bill for these appointments. This is because it is in the best interest of the insurance company for you to remain healthy.
When it comes to you and your family remaining healthy, the insurance company will work with you and will discuss your options with you. The insurance company shares your interest in keeping your family safe and healthy and many insurance companies will provide helpful tips, newsletters, and suggestions which your family can use to benefit the health and safety of everyone.
Common questions people ask about health insurance often include questions on whether it is better to opt for a higher deductible and a lower monthly premium or just the opposite. People also want to know if their health insurance policies will cover major illnesses such as cancer, diabetes, heart disease, COPD, and other chronic illnesses. Many people stress over deductibles for insurance policies because they do not want a deductible that is so high they will be unable to afford a large out of pocket expense before the health care coverage kicks in. However, to avoid this happening it is necessary to pay a larger premium.
Other standard insurance questions to ask your insurance agent will be questions which discuss coverage for children you have now as well as for pregnancies and future children. You will want to know if your current health insurance plan will fully cover both your spouse and your children and what the restrictions, if any, may be. Some insurance companies will require you and your family to take a physical or to fill out a medical history questionnaire. This will often help to determine what type of coverage you qualify to receive.
The medical history will include a history of smoking, mental health treatments, depression, chronic illnesses, drinking and drug abuse, and genetic medical issues. It is important to answer the questionnaire honestly because if you fail to do so this can result in a termination of your health insurance policy and you can be left with no insurance coverage at all. Many people believe that if they are honest about previous or existing medical issues that they will be denied health insurance. This is not necessarily the case. Insurance companies simply need to be able to offer you the best policy for you which will suit your individual needs as not everyone's health care needs are the same. Taking time to speak to an agent and researching the company you are considering will help you to make an informed decision when selecting an insurance company and a health insurance policy.
by: Casey Trillbar
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