Extent of Insurance Plan Cover

• Will the plan cover any pre-existent medical problem?
• Does the plan cover chronic conditions like asthma or cancer? If yes, how would they be treated?
• Are the medical service providers- like, hospitals, doctors, laboratories- that I would be using, included in the network of the insurance firm?
• Can I use a doctor outside of the network?
• In an emergency, what are the procedures for obtaining medical care and reimbursement, both at home and outside?
• Does the plan cover reimbursement of alternative medicine procedures? And of the costs involved in delivering a baby?
• Do I have to seek permission if I wish to consult a medical specialist? Is it easy to change my primary care physician should I wish to?

The Quality of the Insurance Plan

• What are my friend's/ doctor's opinion about their experience with this Plan?
• Immunization, dietary advice, regular health screening- does the Plan allow for cover of preventive health care?
• Are the venues and timings chosen by the medical service providers in the Plans convenient?
• What is the percentage of members who "disenrolled" from the Plan?
• How many complaints filed by patients against the Plan were upheld by the State Insurance regulatory agencies?
• Most important, what sort of accreditation/rating has the Plan received from independent government and non-government Commissions- for example from bodies like the National Committee for Quality Assurance(NCQA)or from the Joint Commission on Accreditation of Healthcare Organizations(JCAHO).

The best health insurance policy would be one that is tailor-made to suit your requirements as well as your budget. Considering that its function is to shield against any medical contingency, it would be wise to opt for the best health insurance cover after due comparison with other health insurance rates which America's leading medical insurance companies have to offer.

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