When you’re considering health insurance, it’s essential to ask specific questions about a health insurance plan quote to ensure you get the right coverage at the right price. Here are 10 questions to ask:

Question 1. What out-of-pocket costs and deductibles will you have to pay? No health insurance plan will cover all of your medical bills, and you’ll usually have to pay a deductible before your insurer will pay and will also ask you to cover certain other expenses.

Question 2. What health screenings and exams are included in the plan? Health plans vary considerably when it comes to preventive care and you will need to see what screenings are covered. For example, does the plan cover all family members, including infants, children, and adults, and provide things like breast exams, mammograms, and Pap tests?

Question 3. Are specialty care and referrals covered? When you need a referral to a specialist, this may or may not be covered, and if covered, there may be restrictions on that coverage.

Question 4. How is emergency care and hospitalization treated? Sometimes you will find that emergency care and hospitalization are only covered if pre-approved and you must fully understand the circumstances under which such treatment is covered.

Question 5. What prescription costs does the plan cover? You’ll need to look closely at any accompanying prescription drug plan to determine what drugs are allowed and how much you’ll have to cover part of the cost of prescription drugs.

Question 6. Are both dental and vision care covered? In many cases, dental and vision care will not be covered by medical plans, so they will need to be covered under a separate plan.

Question 7. Does the plan cover psychotherapy, psychiatric services, or mental health services? Although many health plans will cover mental illness in a number of different ways, such coverage is often limited and you will usually find that there is a limit to the amount of coverage provided.

Question 8. Is hospital, home and nursing care covered? While most plans will offer pretty good hospital coverage, you’ll have to see what coverage is provided for home health care and in-home care.

Question 9. Is physical therapy and rehabilitation care covered? Plans will often separate initial treatment and follow-up physical therapy and rehabilitation care, so it’s vital to find out exactly what is and isn’t covered.

Question 10. Does the plan cover alternative care? As more and more people turn to alternative treatments such as acupuncture or holistic treatments, health insurance companies include more and more coverage for such treatments. However, it’s still early days for alternative treatment and if this is something you want to take advantage of, you’ll need to look at how far you’re covered.

The ten questions here should form the basis on which you consider any health insurance quote, but you may want to include other items on your own list, such as how much paperwork is required when trying to file a claim under the plan and how extensively it’s your choice. when it comes to hospitals, doctors and other treatment facilities. The most important thing, however, is to make sure you understand exactly what coverage is provided to you and how much it will cost before committing to a plan.