Know what questions to ask

One of the first, and most reasonable, questions people typically ask when assessing a health insurance plan is, "how much does it cost?" Knowing what additional questions to ask can help to more thoroughly assess a health plan and understand why it costs what it does. This is especially important because people often don't know what health insurance benefits they have until they need to use them. While price is the biggest question, there are others that are key to assessing a health plan. 

Choice Health Insurance is sure that when you know what questions to ask - you'll see why Affordable Health is our preferred carrier.

Q. Sometimes I need prescription drugs. What kind of coverage is important?
A. With the ever-increasing cost of prescriptions, look for a plan that doesn't have limits on prescriptions - which can add up quickly. With no limits on prescription drugs, Affordable Health plans provide you with adequate drug coverage.

Q. What if I'm traveling and need care?
A. It's important to check that your health plan provides for situations when you're not at home. With worldwide coverage - you get care no matter where you are.

Q. Different plans have different lifetime benefit maximums. What does that mean?
A. It's the total amount a plan will pay out for as long as you own your policy. While it's uncommon for claims to exceed a typical $2 million maximum, it does happen. And if it happens to you, it's almost certain to bring serious financial hardship. Affordable Health offers one of the nation's highest lifetime maximums - up to $8 million.

Q. I know costs for the Intensive Care Unit (ICU) are expensive. What do I need?
A. Treatment in ICU is undoubtedly costly. An average cost for a day in ICU is $4,500. It's impossible to estimate how much coverage is enough. Instead, check the limits imposed on ICU expenses by the health insurance company. With Affordable Health, there's no limit on ICU - so you get the care you need without the worry.

Q. Ambulance coverage - does that include air ambulance?
A. Not for all companies. Read the exclusions section carefully to make sure you won't be faced with an air ambulance bill, which can easily be $7,500. Affordable Health plans provide for both air or ground ambulance to the nearest facility equipped to provide proper care.

Q. Some plans require referrals - what should I look for?
A. It's true that many plans require a referral before you can see a specialist. It's a way to control costs, but it can become burdensome. With Affordable Health plans, no referral is required and you can still control costs by using network providers.

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