Your Health Plan and Your Needs

Health care costs have increased in recent years at a rate up to four times the increase in wages. While the very poor are covered for these costs by Medicare and Medicaid, and the very rich can likely afford this expense, the average working person in the US walks a fine line in order to afford the medical care he or she needs.

It is clear that adequate health insurance is a necessity for all of us, but how do you know if your health care plan covers all you need it to?

To make sure you have the right insurance for you and your family, consider the following:

• Do you or anyone in your family have any pre-existing conditions, such as high blood pressure, diabetes, or allergies, that will make changing insurance plans more expensive?
• Do you have small children that need regular preventive care, such as immunizations or well-checks?
• Do you have adequate coverage for psychiatric services or drug rehabilitation?
• Is there coverage for emergency room visits, physical therapy, home health care, or prescription drugs?
• What is the total dollar limit for a hospitalization or for care for a chronic illness?
• Can you see a doctor at any time of the day or week?
• Are there limits to how often you or a covered member of your family can seek care?
• If you have a family history of a disease such as cancer, diabetes, or high blood pressure, will you be able to get early screening and preventive care to lessen your risk? If you should get that disease, will all or most of the costs be covered?

Some health care policies only cover preventive care, while others are major medical policies that have high deductibles, pay for no preventive care, and are set up to cover costs of an expensive hospital stay or long-term illness. Be sure the dollar limits for care are realistic in today’s medical market. Also verify that your health plan includes both basic coverage and major medical coverage, so you will be protected for any medical need.

Get the health plan that is right for you by requesting a free quote today!

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