Health insurance FAQ

Before buying an insurance policy, it is worth knowing what you really get. Sometimes, it takes a lot of time to pick what you need, but don’t be afraid to spend this time and think carefully about the type of health insurance that can protect you and your family. Try to consider different insurance companies’ offers - many of them have the same coverage type names, but different coverage type options. We have gathered some of the most frequently asked questions about health insurance and hope they will help you to make the right choice or, at least, make you a step closer towards getting the insurance policy.

Often people do not even know what a health insurance is and ask:

Why do I need a health insurance?
One of the most important reasons to get such kind of insurance is to feel safe, in case if tomorrow something terrible happens to you or your family. Depending on the type of health insurance you have (to get free consultation, please register on our site), it will help to cover a certain part of your expenses, so that the treatment will not hurt your budget.

Where can I get a health insurance?
The best way to get a good health insurance is to visit the insurance company office and get a professional consultation on that question. Insurance agent will help you and probably find the suitable coverage for the most reasonable price. If you are looking for a group health insurance, they will probably find a good one for you too. Do not be afraid to ask questions, remember – you are going to spend money on something very important – insuring your health!

What types of health insurance are available for me?
There is a great variety of insurances available for your choice. Short-term, catastrophic, insurance, provided by the Preferred Provider Organization and the Health Maintenance Organization, Medicare and full-service insurance. In many different companies those insurances may have special options. While considering any offer, you should definitely pay attention to its cost and coverage. All of the insurance types listed above have advantages and disadvantages, some of them even being cheaper, will suit you better then the expensive ones.

How much will it cost to get a health insurance?
As a matter of fact, the cost of policy always depends on the list of factors, such as your age, health, the coverage you want to get. If you work for some kind of organization, it will be much cheaper to get a group health insurance. Ask your employer, if it is possible to join the group insurance plan. If you are making enough money, try to get the insurance that could cover almost all the medical expenses. However, if your family has low income, get a policy which has large deductibles.

How often will I have to pay for my health insurance policy?
Generally, the insurance companies require you to pay every month, and such payments are called premiums. Talk to your agent and find out if there any other payment options available.

What does a deductible mean?
It is the amount of money you will have to pay the doctor or hospital for medical treatment before the insurance begins to cover the expenses. All the companies and policies set different deductibles.

What is a Medicare?
It is a federal insurance program created for old people and some young people with disabilities. This kind of insurance covers only a part of your medical service bill. However, Medicare is one of the most affordable types of insurance. It is also considered to be the insurance for low income families.