There are two different types of medical insurance plans, managed and traditional. Here are some questions that you need to ask before you choose a medical insurance plan for yourself and your family.
Do you have a current doctor that you want to continue seeing and do you want the freedom of choosing another doctor if additional care is needed? If this is the case, you need to avoid HMO plans. A PPO or POS plan is okay, but a traditional health care plan would be best as they allow for maximum flexibility when it comes to choosing your own doctors.
Do you have any upcoming medical events, like surgery? If you are switching health care plans make sure that pre-existing conditions are covered. And make sure to find out if there is a waiting period before your coverage begins. Continue reading ‘Medical Insurance – Ask the Right Questions’ »