FAQs on Health Insurance

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FAQs on Health Insurance - Some Common Questions

You may have a number of questions regarding health insurance. The whole process of purchasing insurance may appear complicated. It involves many people and many processes. A person may become confused very easily. However, once you start gathering information about the basic concepts and the basic plans, they do not seem so confusing at all.

GET A BASIC IDEA ABOUT HEALTH INSURANCE

• What are the main differences between group and individual insurance?
• In what ways do individuals receive health insurance protection?
• Is group insurance better than individual insurance?
• Can a labour union provide group insurance?
• What are the common types of cover provided by employers?

THE HEALTH INSURANCE ARENA

• What is the Health Maintenance Organization (HMO)?
• What is a Preferred Provider Organization (PPO)?
• Do insurance companies work directly with employers?
• What is considered a risk?

ELEMENTS OF PLAN DESIGN

• How is eligibility determined?
• Can coverage be denied to certain employees under a group plan?

LEGAL ELEMENTS AFFECTING THE PLAN

• Is it legally binding for employers to buy group insurance for their employees?
• What is the meaning of mandate benefit?
• What are the minimum and maximum requirements of employees in a group health plan?

HEALTH INSURANCE PLANS AND THEIR BENEFITS

• What is the meaning of a base plus plan?
• What benefits can i get from a base level plan?
• What expenses are covered under outpatient hospitalizations?
• What type of coverage is provided by group plans?

DEDUCTIBLES, CO PAYMENTS AND REIMBURSEMENTS

• What is a Deductible?
• Does the deductible clause apply to dependants also?
• What is the meaning of co insurance?
• What is covered expense and how is it limited?

PRESCRIPTION DRUG PLANS AND DENTAL, VISION CARE

• Are dental plans included under health plans?
• Is dental care directly reimbursed?
• Does insurance cover all types of dental expenses?
• What coverage is provided for vision care?
• Do health plans cover all prescription drugs?
• What are the different drug plans?

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