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Choosing a Health Insurance Plan Hilo HI

Your doctor can actually be a very good source of information. They deal with the various health insurance plans all the time. Ask them what their experience has been with any particular plan.

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Hmsa-Hawaii Medical Service Association
(808) 935-5441
Hilo, HI
 
Hmsa-Hawaii Medical Service Association
(808) 935-2972
Hilo, HI
 
Hmsa-Hawaii Medical Service Association
(808) 935-5441
Hilo, HI
 
Hmsa-Hawaii Medical Service Association
(808) 935-6993
Hilo, HI
 
Hmsa-Hawaii Medical Service Association
(808) 935-6993
Hilo, HI
 
Hmsa-Hawaii Medical Service Association
(808) 935-2972
Hilo, HI
 
Ho'ala Dental Program
(808) 523-3103
500 Ala Moana Blvd
Honolulu, HI
 
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Choosing a Health Insurance Plan

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Is This a Health Insurance Plan I Can Live With?

It's up to you to do some research. Health insurance is important to you and your family day in and day out. It may be costly or inconvenient to change health insurance plans. So, check everything out.

You want a health insurance company that's stable. It's not in your best interest to find out that you need a major surgical procedure and then find out that your health insurance company is insolvent.

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You also want a good health insurance plan that covers the right care. Check with neighbors, family members and friends. Who are they insured with? What kind of plan do they have? Are they happy with it?

You particularly want a health insurance company that treats clients fairly when they are making a claim. With health insurance you could be making claims on a fairly regular basis depending on your deductible and the type of insurance plan. You'll be happier if you have a health insurance company who deals promptly and courteously with claims.

You can also check for the health insurance company's rating (or plan's rating) with both government and non-government organizations. Take a look at the National Committee for Quality Assurance which issues a Consumer Assessment of Health Plans report for every health insurance plan and facility. Their site is: www.ncqa.org .

Has the health insurance plan, you are interested in, received any accreditation? You can check the website of the Joint Commission on Accreditation of Healthcare Organizations at www.jcaho.org .

Your doctor can actually be a very good source of information. They deal with the various health insurance plans all the time. Ask them what their experience has been with any particular plan. You may find out that they are not covered under the medial insurance plan you are considering - and they may be able to recommend another health insurance plan under which they would be covered.

A very good indicator of the 'good service' of a health insurance plan is the rate at which people drop out of the plan. You can often get information on 'disenrollme...

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Hawaii State Mandated Health Insurance Coverage

Medical insurance benefits that insurers must provide include: alcohol/drug abuse treatment, breast reconstruction, contraceptives, dependent coverage (including newborns, adopted children, disabled dependent adults, domestic partner, civil union), diabetes (self-management and supplies), emergency room service, family therapist, hospice care, in vitro fertilization, mammography, massage therapist, maternity minimum stay, mental health, nurse, PKU/metabolic disorder, psychologist, well child care

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