From a pediatrician to a podiatrist, some health plans will cover all types of care, while others will cover the emergency room only. The main services that you need to think about are down below. To see which of are available in a particular health plan, go to our partner site, ehealthinsurance.com.
When you get there, follow the prompts and click "Plan Details" (just like in the picture below).rom a pediatrician to a podiatrist, some health plan coverage covers all types of care, while others will cover the emergency room only. When you decide which health plans coverage to buy, you need to consider what kind of care you can and cannot receive. There are some main services you need to look at. You can find these down below. To see which of are available in a particular health plan, go to our partner site, ehealthinsurance.com. When you get there, follow the prompts and click "Plan Details" (just like in the picture below).
Some health plans will cover all types of doctors, while others only pay for a trip to the emergency room. To decide on which health coverage plan you want to buy, first you need to understand if doctor and specialist visits are covered. Click here to better understand what doctors/specialists are covered.
Some health plans will cover your prescription drugs and others will not. If prescriptions are covered, consider:
- Prescription deductible (this is how much you must pay in prescription drug costs before your health insurance company
kicks in and helps you pay for your prescriptions. You must pay this amount every year you have the plan.)
- How much of generic prescriptions are covered vs. a brand name
- How much of pharmacy prescriptions are covered vs. mail order
A hospital visit can include of services from the simplest procedure to the most complex surgery. Each service comes with a cost. For anything hospital related, look at which services will fall under your bill and which will be up to your health insurance company. Most specifically, you want to make sure your health plan covers the following. (If it does cover these services, you'll also want be sure to find out what percentage of the bill will be covered):
- Emergency Room Visit
- Outpatient Lab/X-Ray
- Outpatient Surgery
- Hospitalization (services related to staying at a hospital for either scheduled procedures, accidents or medical emergencies)
Preventative Care Coverage
If preventative care is important to you, think about what you are responsible for in terms of payment vs. what your health insurance company will have to pay when you decide on a health coverage plans. Common preventative care services include:
- Periodic Health Exam
- Periodic OB-GYN Exam
- "Well Baby Care" (this is care for children that typically includes routine immunizations and screening procedures)
If you are having or thinking of having a baby, congrats! Look to see that the following is covered:
- Pre & Postnatal Office Visit
- Labor & Delivery Hospital Stay
You may have needs for additional services, such as the ones below. If so, look to see whether or not they are covered when choosing your health plan coverage:
- Chiropractic Coverage
- Mental Health Coverage
- Substance Abuse Coverage
- Out of Country Coverage
Use Our Partner Site To See What's Available
Again, to decide on health insurance plan coverage, use our partner site, ehealthinsurance.com.and Click plan details to view what plans are available to you. Ehealthinsurance is the largest online health plan supplier in the country. When you get there, click "Plan Details" (just like in the picture below) to see which of the items above are included in a particular plan.