Shopping for Insurance

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Shopping Tips

Here are the Top 25 questions you should ask when shopping for insurance:

Is the deductible per person or per policy or per confinement?
What is the maximum co-insurance per year or per confinement?
What percentage is the co-insurance? (80/20, 70/30, 50/50)
What is the maximum out of pocket (add your deductible and your co-insurance together) for each person per year or per confinement?
How long is the rate guaranteed?
How is the emergency room covered?
What about urgent care?
Are both air and ground ambulance covered? How much?
What is the lifetime limit of the policy?
Is the lifetime limit of the policy per person or per policy?
What is the annual maximum limit for prescriptions?
Does the plan cover name brand as well as generic?
What is my coverage if I leave the state or the country on vacation or business?
What is my coverage if I MOVE to another state?
What about transplant coverage? How much is covered?
Do they cover single as well as multiple transplants?
Where can I go for a transplant?
Is there a companion expense available with transplant?
What about guaranteed conversion for my children?
How will the insurance company pay multiple surgeons/single operation?
What are the financial ratings from AM Best and Standard and Poor?
Is it a Fortune 500 company? Super 50?
Do I have to have a referral from my doctor to see a specialist?
What are the limits in ICU?
What are the tax advantages?

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