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merican healthcare is difficult to understand. Sometimes, doctors even have a hard time navigating the healthcare space! There is so much going on that understanding insurance, medicare, medicaid, and more can be difficult to understand. If you have recently received a quote from a health insurance company, our goal is to help you better understand that quote. Here are five.
1. How much do you have to pay?
When you get your health insurance quote and fill out all of your information, you will receive either an annual premium or a monthly premium. If you receive an annual premium, make sure to divide the number by 12 to get what you would pay monthly.
2. Are doctor/hospital visits covered?
When you get a quote, you will be able to see your deductible. A deductible is the maximum out of pocket amount you will pay for doctor and hospital visits. This number is cumulative, meaning doctors visits and hospital visits you have will apply towards this number. Also visible are copay information, which is how much you may have to pay at each time of visit.
3. What about medicare supplements?
If you are eligible for medicare, then you can use medicare to supplement your insurance. This can help make your medical care even more affordable. For those over 65, you may be eligible to get assistance for your medical coverage. When applying for insurance, you should be notified if you are eligible if you apply through healthcare.gov.
4. How do I find a doctor that is covered?
Using the website of your insurance company, you can use their find a doctor feature. You can browse doctor by specialty and check if they are accepting new patients. You can also use this feature to find clinics and places that offer procedures and medical supplies.
5. What about time frames where I can cancel and renew?
This is where the healthcare system starts to get complicated. For those who are looking for timeframes for medicare, enrollment starts three months before your 65th birthday, and ends 3 months after. For healthcare.gov, enrollment begins November 1st and ends December 15th. When applying for health insurance, make sure to ask your agent moure about time frames.
If you are ready to get going on healthcare, make sure to contact your local agent!
