The Top 5 Health Insurance Frequently Asked Questions
Even with recent health care reform, there is no denying that health insurance is more expensive than ever. This remains true even in Orange County, where the number of uninsured citizens is well below the national average. Aside from its high cost, a general lack of knowledge and understanding of health insurance and what it covers can be blamed for the nation’s rate of uninsured individuals. Here are five of the most frequently asked questions when it comes to medical insurance.
1. What is Included in My Insurance Plan?
Knowing what is covered and what is not is extremely important prior to purchasing a medical insurance plan. While the specific coverage of each plan can vary greatly depending on the provider and plan, most policies cover at least a portion of regularly scheduled doctor’s visits, emergency visits, and hospital care. It is always wise to contact a provider for clarification, however.
2. Does My Plan Cover Cosmetic Procedures?
For the most part, medical insurance does not cover expenses related to cosmetic procedures or plastic surgery. There are exceptions to this plan, however, such as when a cosmetic procedure is needed to treat a serious medical condition. Breast implants following a mastectomy are a common example of this.
3. What is a Deductible?
All health insurance Orange County plans have a deductible in place as part of a policy. This is the amount that the policy holder must pay out of pocket for any given medical expense before the insurance will kick in and cover the rest. Higher deductibles can lower monthly insurance payments, but can be a pain in a situation where the patient actually has to pay the entire amount. Generally, it is best to go with a lower deductible.
4. What is the Difference Between Medicaid and Medicare?
Most people have heard of both, but they are often confused for the same thing. Essentially, Medicare is a health insurance plan in place for citizens over the age of 65. On the other hand, Medicaid is generally reserved for those who are suffering from difficult financial times and need state assistance to help pay for their medical expenses.
5. What is a Pre-Existing Condition?
All medical insurance companies will ask if a patient has any pre-existing conditions prior to approving him or her for a policy. This is any kind of known medical condition that the patient has. These must be disclosed at the tie of application. Otherwise, the insurance company may rightfully deny payment for medical expenses.
Disclaimer: This is for information purposes only and NOT a recommendation from Mills Insurance. Please contact a licensed insurance agent specialist to discuss insurance coverage’s and laws.
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