Things To Know Before You Pick A Health Insurance Policy

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Things To Know Before You Pick A Health Insurance
Policy
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• There is precious little in life more important
  than your health, so choosing a health insurance
  policy shouldnt be something that you enter into
  lightly. Be prepared to spend time thoroughly
  researching different health insurance providers
  the five points below should help you make an
  informed choice

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• 1. Bronze, Silver, Gold and Platinum are the 4
  categories of health insurance plans/policies in
  existence, and each one will offer different
  benefits, coverage and prices. Be aware that the
  categories dont refer to the quality of care you
  will receive.

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• 2. Remember that you will be asked to pay a
  monthly fee for your health insurance plan,
  regardless of whether youve used any medical
  services or not. When you receive medical care,
  you will pay for any costs deemed to be
  out-of-pocket, which include deductibles these
  are usually provided as clauses in insurance
  policies and dictate how much expense the
  policyholder can reasonably be expected to pay
  for. Youll need to consider the total cost of
  your plan before you purchase it.

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• 3. Some types of insurance plan will enable you
  to seek treatment at almost any medical facility,
  and use any doctor that you choose, while others
  may limit you in this respect and charge you more
  if you seek help outside of their designated
  healthcare facilities.

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• 4. Carefully check the full details and small
  print that come with any quote you are given by
  insurance providers, to ensure that the
  healthcare plan has a suitable level of benefits
  for you. If you find that the levels offered are
  not satisfactory, you can usually opt to change
  them to suit your budget and needs.

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• 5. Make sure that you check your healthcare plan
  for its benefits, limitations, and
  exclusions you may find that many of your
  benefits are limited in this particular section,
  and medical care such as diagnostic testing or
  treatment as an outpatient can be extremely
  limited. Illnesses such as cancer often require
  extensive treatments that dont require a trip to
  a hospital, and if youre not careful, you could
  land yourself with huge bills for diagnostic and
  outpatient care.

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• Watch out for limitations on things like hospital
  room rates and intensive care, too. Some
  healthcare policies display rates that limit
  intensive care costs to 3 times the regular room
  rate, when in reality, such treatment can often
  cost much more than 10 times the cost of a room
  rate. Before you know it, you could be seriously
  ill and seriously in debt, too!
• Other limitations may include pre-existing
  conditions and you will need to check that your
  policy will exclude this permanently.

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• Heyer Associates is a well-known insurance
  agency in Miami Coral Gables. We can help you
  with the complete line of insurance products and
  financial planning. Some of our key areas of
  focus include life and health insurance in Miami
  and Coral Gables. If you are looking for health
  insurance quotes in Miami, Heyer Associates
  would be a right option.