Health Insurance Q and A Tips

What kinds of individual and family insurance plans are available?---There are several different types of health insurance plans. These include HMO, PPO, and POS plans. HMO’s are managed care as the insurance company determines who your doctors are and what care you will receive. POS plans are geographically focused plans that are a cross between a HMO and PPO. PPO’s make use of healthcare provider networks and you are free to choose your own doctors within the network. Healthcare providers within a network agree to perform services for PPO plan patients at pre-negotiated rates and will usually submit the claim to the insurance company for you. In general, you'll have less paperwork and lower out-of-pocket costs with a PPO health insurance plan. You’ll have an even broader choice of healthcare providers with an indemnity plan because there is not network, it’s any doctor, any hospital, anywhere.

My son/daughter is 20 years old and is no longer enrolled for classes this semester. Is he/she still covered by my insurance?---Probably not. Dependents are usually covered up until the age of 18.
Are there preexisting condition limitations if I change health plans?---There is no preexisting condition limitation under your new plan when you transfer plans under group insurance. Any condition for which you are receiving treatment prior to your coverage change will be covered immediately by your new plan.

Health insurance

Heath Insurance like all professional insurance advisers is regulated by the Financial Services Authority. Concern is being expressed by a number of informed sources that the popularity of the online quote sites known as aggregator sites like gocompare, tescocompare, moneysupermarket and comparethemarket which are not regulated is causing the public to be misinformed regarding the scope and quality of the cover offered by a number of insurers.

The main areas of concen involve the policy cover restrictions and in particular the excess (the contribution you must make towards the cost of repairs) and the various types of cover available under home insurance policies. An example for one popular home insurance web site is the way irrespective of the cover you request the first quotation it produces is for the most restricted form of cover they offer and without looking very closely at the site it is difficult to identify the fact that the cover offered is not the cover you requested.
The moral of all this is by all means use the online sites but also talk to a Financial Services Authority registered insurance adviser who has to be completely transparent with the cover and quotation offered. Then decide the option you prefer.

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