Get Health Insurance Benefits You Need

Practically every health insurance policy will cover things like routine doctor appointments and emergency room visits, but there are a few areas where policies differ widely.

• Mental healthcare: Some health plans have no copay for mental health treatment while others may exclude this service completely.
• Pregnancy: Pregnancy treatment is one area most people will want to consider thoroughly when purchasing a policy. Do benefits begin once a pregnancy reaches a certain amount of weeks or can you receive care immediately? How many days in the hospital will the insurer pay for after the child's birth? Is there a copayment for pregnancy related benefits? Some health insurance companies waive the copay.
• Prescriptions Covered: If you are buying a policy that covers prescription drugs, you'll want to make sure it covers any medicine you currently use. Sometimes birth control and sexual dysfunction medications are excluded from coverage. Or perhaps the insurer covers antidepressants but not the specific type that you use.

There's so much to consider before buying health insurance. InsuranceBureau.com can help you with the comparison shopping process. You can access our nationwide database of health insurance providers by using our secure online form.

Sources

1. How do I pick a health plan? Retrieved May 5, 2008, from http://www.iii.org/individuals/health/health/howdoi/