Health Insurance - TOP 10 Guide for Buying Best Health Insurance Plans in 2021

 I have been a health insurance salesman for over a decade and every day I read many “shocking” stories posted on the Internet about health insurance companies that do not pay claims, refuse to cover certain diseases and doctors are not paid for medical services. Unfortunately, insurance companies are driven by profits, not people (even though they require people to make a profit). If the insurance company can find a legitimate reason not to pay the claim, there is a good chance they will get it, and you and the buyer will suffer. However, what many people fail to realize is that there are very few “loopholes” in an insurance policy that give an insurance company an unfair advantage over a consumer.

For many consumers, buying a health insurance policy on their own can be a daunting task. Buying a health insurance policy is not the same as buying a car, therefore, the buyer knows that the engine and its transmission are standard, and that electric windows are preferred. The health insurance system is very complex, and it is often very difficult for a consumer to decide what type of cover is the most common and what other benefits can be chosen. In my opinion,

Of course, we all complain about insurance companies, but we know they work "with the necessary evil." Also, while buying health insurance can be a frustrating, daunting and time-consuming task, there are some things you can do as a consumer to make sure you buy the type of health insurance you really need at the right price.

What do you think happens about 100% of the time I ask these "BASIC" people questions about their health insurance policy? They don't know the answers! The following is a list of 10 questions I often ask someone who can be a health insurance client. Let's see answer our policy without reading or looking 

1. Which insurance company do you own insurance with and what is the name of your health insurance plan? (e.g. Blue Cross Blue Shield- "Blue Blue")

2. Where is your calendar year drawn up and you may have to pay a separate deduction for each family member if everyone in your family is sick at the same time? (e.g. most health plans have an annual deduction, for example, $ 250, $ 500, $ 1,000, or $ 2,500. However, some programs will require you to pay an annual fee. all, even if everyone in your family needed extensive medical care.)

3. What is your coinsurance percentage and what is the value of the stop loss? (e.g. a good plan with 80/20 cover means you pay 20% of a certain dollar price. This dollar currency is also known as stop loss and can vary depending on the type of policy you are buying. Stop loss can be less than $ 5,000 or $ 10,000 or $ 10,000 or $ 20,000 or there are certain policies on the market that do not cost a dollar loss.)

4. What is your highest annual income? (e.g. all disbursements and all percentages of coinsurance and all applicable access fees or other fees)

5. What special benefit will the insurance company pay if you are very sick and does your plan have any caps or caps? (eg million cover for the rest of your life.)

6. Is your plan a plan, because it only pays for a certain amount of a set of processes? (eg Mega Life & Health & Midwest National Life, accredited by the National Association of the Self-Employed, NASE is known for approving strategic schedules.) (e.g. Many programs have a limit on how often you go to the doctor each year to pay in partnership again, usually a limit of 2-4 visits.)

8. Does your plan provide you with prescription drugs and if so, do you jointly pay for your prescription or should you have a combined drug withheld before you can receive any benefits and / or only have a discount card? (eg % of all prescription drugs).

9. Does your plan have a reduction in the benefits of organ transplants and if so, what is your top plan that will pay off if you need an organ transplant? (eg anti-rejection pocket).

10. Do you have to pay a separate fee or "access fee" for each hospital admission or for each emergency visit? (e.g. some plans, such as the Assurant Health "CoreMed" program have a separate hospital admission of $ 750 for the first three days in the hospital. This fee is added to your withdrawal plan. external, such as, physical therapy, speech therapy, chemotherapy, radiation therapy, etc. The benefits of "caps" can be as little as $ 500 per treatment for each patient, leaving you with the remaining balance bill.

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