August 8, 2005
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 percent 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?