Заключение медицинской страховки

• 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

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