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Health Tip: Are You Underinsured?

Answer these questions to find out

(HealthDayNews) -- Insufficient health coverage can lead to inadequate medical care.

If you need to buy your own health insurance, avoid being underinsured by answering these questions from Consumers Union:

  • Does the plan limit your out-of-pocket costs once you have spent a fixed amount?
  • Does it provide comprehensive benefits, including doctor and hospital care, and prescription drugs?
  • Is the insurance company's schedule of allowable charges realistic when measured against health providers' fees?
  • Does the policy require you to pay 50┬ápercent for mental health services, and are there other potentially costly limits on mental health coverage?
  • Does it restrict lifetime benefits that would end if you suffered a catastrophic accident that, for example, left you paralyzed?
Consumer News