======Заключение медицинской страховки======

====Вопросы====

  * Is it possible to pause insurance, if we go outside of the country?

> If more than 6 month, stop and reapply again.

  * What type of plan do you suggest us and why?

> HMO

  * How much will I have to pay for Medical Care?

> 

  * If I get pregnant on December after purchasing of the insurance, will it be treated as pre-condition?

> No, Abama care removed pre-existing conditions for long-term plans?

  * Are routine examinations covered?

> Ask about mammograms, pap tests, immunizations and other routine check-ups. 
>> Only covered in network

  * What Are the plan's restrictions on pre-Existing Conditions?

> If you or someone in your family has a chronic condition, the policy may not cover related medical costs for a period of months - or ever. Ask for how long pre-existing conditions are excluded.
>> No more pre-existing conditions, because of Abama Care

  * Do you have a short-term option? 

> Let's say I've gotten a job that covers my medical insurance. How does the current insurance work in this case? 
>> 

  * Do you have plans with Health Saving Account option?

> This allows you to put money aside, tax-free, to be used later for qualified health expenses. How this works if the case I have to change to another insurance agency? Do I loose everything?

  * Does your plan includes pregnancy, dental, life, disability and critical illness insurance?

> Different insurance is required.

  * Does the plan include chiropractors, massage etc? If my family doctor suggests to go to chiropractor, is it covered?

> 

  * Do you provide discounts for products that encourage healthy lifestyles?

> What exacty does it mean and how it works.

  * How does the insurance work if we travel outside/inside of the CA or USA?

> Travel plan, работает лучше, так как не нужно париться с доками. В других случаях если нет представительства в этом штате - то могут быть проблема. Emergency is covered in any case. 

  * How big is out-of-pocket limit?

> Зависит от плана, это максимальная цена которую нужно выплатить. 

  * Will I have to call my doctor before going to the emergency room?

> Some plans require you to contact your doctor within 24 hours of going to a hospital emergency room, or your costs won't be covered.

  * How does the company handle disputes over claims?

> All insurance plans have procedures for appealing denied claims. Many require that you take your dispute to an arbitrator, or an independent person who hears both sides and makes a decision about the claim. Ask what the company's average turn-around time is for resolving claim disputes.

  * Find out what type of benefit coverage each plan offers for the follo
====Ссылки====

Shopping for health insurance work sheet\\
http://www.bankrate.com/brm/news/Financial_Literacy/pdf/Aug07_work_sheet_health_a1.pdf

Это ссылка на список вопросов, если брать ещё disability insurance \\
https://www.nahu.org/consumer/Questions-DisabilityInsurance.pdf