Questions About Buying Health Insurance

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When you're buying health insurance, this can be very very confusing thing to do. Find out about questions about buying health insurance with help from an expert at Combs & Company in this free video clip.

Part of the Video Series: Insurance Questions Answered
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Video Transcript

Hi, my name is Susan Combs, and today we're going to talk about questions in buying health insurance. When you're buying health insurance, this can be very very confusing thing to do. And so, what you really need to know is you need to arm yourself with questions to know really exactly what you're going to be buying. So, a few of the questions that if you're working with a broker or you're working with a carrier directly that you want to ask are, "Are my doctors in-network?" The last thing you want to do is find a really cheap premium and then find out that you have to change your pediatrician, your ob-gyn, your, you know, dermatologist and things of that nature. So, you need to find out if your doctors are in-network. Then, if you're somebody that travels a lot for work, and you want to make sure that you have national coverage, you need to ask, "Is this network national network?" So that when you're traveling you can call the 800 number on your card and you can just go, you know, to a doctor in the area and pay a copay to see them. And then the other thing you want to know is, "What are my copays when I go see these doctors or what are my copays with drugs?" The other are, "How are hospitalizations processed?" Are they process through a deductible, are they process through a copay? And then, one of the last things you want to know is what is my maximum out of pocket? Because as a lot of the, the plans have changed, one thing that's changed for 2014 is all plans have a max amount of pocket in-network now. So, you know at the end of the day when you've paid all your copays or deductibles or had co-insurance splits that you're going to reach a max amount of pocket. So, you need to understand that number and know that it's a number that you want to be comfortable with paying.

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