Choosing a Health Insurance Plan South Portland ME
Choosing a Health Insurance Plan
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...
Maine State Mandated Health Insurance Coverage
Medical insurance benefits that insurers must provide include: acupuncturist, AIDS/HIV testing/vaccine, alcohol/substance abuse treatment, ambulatory surgery centers, ambulance transportation and services, ambulatory cancer treatment, birthing center/midwife, breast recontruction, breast reductiion, cancer pain medication therapies, cervical cancer/HPV screening, chiropractor, clinical trial (cancer), colorectal cancer screening, contraceptives, dental anesthesia, dentist, dependent coverage (including newborns, dependent student/adults, noncustodial children or stepchildren, domestic partner/civil union), diabetic supplies, facility (public or other), family therapist, habilitative service for congenital or genetic defects, hearing aids for minors, home health care, hospice care, mammography, marriage therapist, mastectomy (including minimum stay), maternity minimum stay, mental health, nurse (first assistant, midwife, anesthetist, practitioner, psychiatric), off-label drug use, optometrist, orthotics, pastoral counselor, PKU/metabolic disorder, prostate cancer screening, prosthetics, psychologist, rehabilitation service, social worker, telemedicine, varicose vein removal