Common Health Insurance Questions

Questions surround the costs and benefits connected to health insurance plans. The questions raised protect both the consumer and the insurer from the possibility of fraud or inconsistencies used to determine eligibility and the cost of coverage.

Process

• Obtaining health insurance can be a complicated process, causing many consumers to struggle with the process. While some plans are provided through an individual's employer, many consumers are responsible for obtaining their own policies. It is appropriate for the consumer to ask companies about the health insurance they offer and what steps are necessary to obtain coverage.

Types

• Health insurers typically offer a number of plans to meet their clients' needs. Consumers should ask potential health carriers to explain the types of plans they have available, what the differences are in the plans, and which plans are best or most affordable for their particular situations.

Eligibility

• Some conditions exclude individuals from obtaining health insurance or significantly limit the amount of coverage they can obtain. One of the first questions an individual should pose to a company concerns whether he is eligible for health insurance. He should also ask questions concerning policy exclusions for health conditions that existed before obtaining a policy.