For those who are accustomed to having group health insurance, shopping for private health insurance can be confusing. After all, when you have group health insurance, you don't have much in the way of choices to make because you're limited to the policy offered under that group plan. With private health insurance, there are a lot of different options to consider. Here's a look at the basics you need to know about different types of coverage that you might find as you shop for private health insurance.
One thing you'll need to decide is if you want comprehensive insurance coverage or simply catastrophic coverage. Comprehensive health insurance coverage is what you're probably accustomed to with your group health insurance policies. Catastrophic coverage, on the other hand, is designed to offer coverage only for major medical services, including severe accidents, emergency surgeries, and similar events.
If you've decided that you want to invest in comprehensive health insurance, you'll want to consider a policy that includes coverage for preventative care. In many cases, even if your policy has an annual deductible, annual preventative care appointments are exempt and are covered in full except for any copay that may be required.
Lab Tests And Imaging
When you are looking for private health insurance, you'll also want to look for a policy that includes coverage for lab testing and imaging. That way, you'll be covered if you need to have bloodwork done or if you need an x-ray, ultrasound, or something similar. Even if you don't expect to need these services right now, it's best to be covered in case you do.
Few things can stress someone quite like trying to recover from a serious illness or injury while trying to figure out how they will pay for the time in the hospital. When you're shopping for health insurance policies, look for one that provides some level of coverage for inpatient care. You may not necessarily get 100% coverage, but look for the best ratio possible for coverage.
Whether you take a monthly maintenance medication for a health condition, or you just want to be prepared for the potential need for antibiotics or other medications, look for a health insurance policy that also includes coverage for prescriptions, even if that comes with copays. Consider the types of medications you need now, but also think about what you might need in the future.
These are some of the most important coverage factors to think about when you're looking for private health insurance quotes. For more information, contact a company like Optimized Health Plans.