No matter your age, purchasing health insurance is an important decision. Since there are many types of plans, it’s critical that you take time to research plans so you can pick one that’s right for you. Here are some answers to common health insurance questions to ensure you have the best protection in the event of an unforeseen medical emergency.

Common Questions About Health Coverage

What does health insurance include?

Specifics will vary from plan to plan. Some offer comprehensive coverage for outpatient care, vision and dental care, emergency services, hospitalization, maternity care, prescriptions, medical devices, laboratory testing, mental health treatment, and chronic disease management. If you know in advance that you need to visit a medical provider or undergo a certain procedure, it’s best to contact your insurance carrier to check first. 

What is the difference between group and individual coverage?

Group coverage is offered through your employer or your membership organization. Your employer will typically pay full or partial coverage of the premiums. They’ll also manage your plan and select the plan types that are available. Individual coverage is when you purchase a plan for yourself or your family directly from an insurer. You’re responsible for choosing your coverage and paying the entire premium.

Does family size determine the cost of insurance?

Yes, this can affect the amount of money that you pay for insurance even if your medical costs are otherwise low. Some insurance providers charge additional costs for a spouse and up to three children. If you have more than three children, they will be covered without increasing the cost of insurance. A family plan is another type of health insurance plan that’s usually double the price of an individual plan.

What are some other insurance costs?

Typically your insurance will have a copay. This is a set amount that you pay each time you see a doctor. You will also hear about a deductible, which is the set amount of money that you need to pay before your insurance will start covering your medical expenses. In addition, if you see coinsurance, it means you’re responsible for a certain percentage of services rendered.

Make sure you and your loved ones are taken care of by having the right type of health insurance. We will answer all of your health insurance questions and help you understand your options. Call (417) 926-7900 to talk to one of our friendly and knowledgeable agents and request a quote today. Read rave reviews of our services online.