Frequently Asked Questions Regarding Health Insurance Options

Choosing a health insurance plan can be a bit tricky

. Insurance salesmen so often speak their own "insurance" language that deciphering their talk adds to the headache of finding health insurance in Toledo, Ohio. Long lists of insurance options can blur together and it can be tough to sort out individual details unique to each plan. Here is a list of frequently asked questions regarding health insurance options, policies, and plans.

Question: Whom should I call to find out if a procedure is covered under my health insurance plan?

Answer: You should call the insurance company directly. You can try dealing with human resources department, if you are covered under a group plan, or talking with your doctor office, but none of these sources can provide you with the definite information you need regarding your coverage. You can also read through the brochure sent to you when you started on the insurance plan.

Question: If I have the option of going with a group insurance plan at my work, and a private insurance plan through an agent, and they cost the same, what would be best for me?

Answer: If you have no medical conditions that may result in you getting denied under a private plan, you can go with the private insurance plan if all other things are equal. This question is becoming more common since so many companies no longer pay a portion of insurance premiums and you can sometimes find insurance even cheaper through an agent, although it can be tougher to get accepted.

Question: My doctor sent me a bill without submitting it to my health insurance company first. Who should I call?

Answer: You need to talk with the billing specialist at your doctor office and have them submit the claim. They may need a copy of your current insurance card and other insurance information.

Question: If I purchase a plan that has a deductible, do I have to meet the deductible before any expenses (prescriptions, doctor office visits, etc.) are picked up by my insurance?

Answer: This varies from plan to plan. Some health insurance plans require you to pay a separate prescription deductible, and after this has been met your prescription benefits will kick in. Other plans require you to meet the entire deductible (such as $500 per person) before any health expenses are picked up by the insurance plan. Still other plans allow for you to only pay a co-pay for doctor visits before the deductible has been met.

by: Art Gib

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