By Amy J. Leicht | USA TODAY Health insurance coverage is an ever-changing game.
As coverage grows, new policies come on the market.
But how do you know which policy is right for you and your family?
Here’s a guide to help you decide.1.
What is the health insurance company?
Health insurance companies are typically big businesses that offer a broad range of plans, including employer-sponsored plans, individual plans and a broad mix of family- and individual-only plans.2.
How does health insurance compare?
You’ll find the most comprehensive coverage available at each health insurance provider, according to Kaiser Family Foundation’s Health Insurance Scorecard.3.
Are there any hidden costs?
Health insurers typically don’t disclose what they pay for out-of-pocket expenses or deductibles.
So it’s important to understand how much they spend on health insurance to get an idea of what they’re paying for.4.
Will my policy cover maternity care?
The term “coverage” can mean a wide range of things.
If you’re pregnant or have a newborn, for example, you’ll find health insurance plans that cover a variety of care.
For others, you may find a policy that covers maternity care, but won’t cover birth control or other birth control methods.5.
How much will my policy cost?
The amount of your policy will depend on the insurance provider you choose.
A few major insurers offer policies that cover all of your health care costs and offer a wide variety of plans.
Others, including Blue Cross Blue Shield of Florida, may cover only a small percentage of your medical bills.6.
What are the premiums for an individual policy?
Depending on your plan, premiums may range from $1,500 to $9,000 per year.
For an individual, that could add up quickly, especially if you have multiple health conditions.7.
Do I need to pay a deductible?
No, but you may want to consider a deductible to help offset some of the out- of-pocket costs that will be associated with coverage.
Insurers generally charge higher premiums for those who choose to pay for a deductible.8.
Will insurance companies offer me more coverage?
Yes, some insurers offer more coverage than others.
The Affordable Care Act (ACA) gives consumers greater choice and more protections, and there are policies available to cover different health conditions and different health needs.
Insurers are also constantly reviewing the data they collect to improve their products and offer them more comprehensive plans.
You can also find out more about how the ACA works by clicking here.9.
What if I get sick?
If you get sick, you can call your health insurance carrier to see if it covers you.
Some plans may have a plan to help cover medical bills, such as Medicare and Medicaid, while others will only cover emergency care.10.
How long will my health insurance coverage last?
Health coverage generally lasts six years or until you die.
After that, it can lapse.
Your health insurance policy is a contract between you and the insurance company.
It may include coverage for certain types of medical procedures, such a certain type of surgery, or certain types and amounts of medical care.