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Health Insurance Shopping Tips

Questions to Ask Before You Buy

  • Why do you need health insurance?
  • Is the health insurance plan with the lowest premium really the most affordable?
  • Who are you buying health insurance for?
  • How long do you need health insurance – a full year or for a few months?
  • Do you have a known health condition (a pre-existing condition)?
  • What prescription drugs do you need?
  • Do you have any chronic health conditions, like high blood pressure, diabetes or an autoimmune disorder? Even if you haven’t been to a doctor, are you in pain or having problems you believe will result in any health care services or treatment?
  • Do you have a family doctor or hospital?
  • Are you ready to pay the full cost for services until a deductible is reached?
  • Are you able to pay the full cost for services if the plan limits how much it will pay?

Questions to Ask If You Receive a Phone Call About Buying Health Insurance

  • How did you get my information?
  • May I have your full name and contact information, please?
  • What is the exact name of your company and where are you located?
  • Is your company licensed? Are you a licensed insurance agent? If so, what’s your license number for (state)?
  • What’s the exact name of the insurance company on the policy and the name/type of policy I would be buying?
  • What’s your company’s phone number?
  • Will I need to pay a fee to join a group?
  • Please send a copy of the information to me through the mail.
  • Can I call you back after I’ve read your plan information?

Questions to Ask About A Health Plan You Want to Purchase

  • Is this an ACA Marketplace plan?
  • Does this plan cover the same benefits as an ACA Marketplace plan?
  • Does the plan cover pre-existing conditions?
  • What benefits doesn’t this plan cover, and what benefits have limits?
  • Where can I find out whether this plan covers my prescription drugs?
  • Where can I find the list of health care providers in this plan’s network?
  • What is the monthly premium I would pay for this plan?
  • What out-of-pocket costs will I have to pay when I need services?
  • What is the deductible?
  • Is there a maximum I would have to pay out- of-pocket?
  • Is there a limit on what the plan pays, per day, per year, or over my lifetime?
  • How long does this plan last?
  • Am I guaranteed the right to renew this plan?