Questions to Ask Before Picking a Utah Health Insurance Provider

POLICY BENEFITS AND PREMIUMS

  • What is the policy maximum benefit?
  • Is the outpatient benefit built in
  • What deductibles are available?
  • What CO-payment percentages are available?
  • Is there a stop-loss-or more than one I can choose from?
  • How difficult will it be for me to make changes in my deductible or CO-payment later on?


COST CONTAINMENT

  • Does the insurance company use a pre-certification method for hospitalizations?
  • Does the company participate in any kind of PPO?
  • Does the company have any special way of handling a case that looks like it will have a large claim?
  • Does the company ever consider alternate care, like sending a patient home from a hospital earlier with in-home care?
  • Does the company offer any type of incentive for me if I find overcharges in my doctor or hospital bills?
  • How closely are claims from doctors, clinics and hospitals monitored for excessive charges, questionable billing practices or fraud?

INSURANCE COMPANY

  • How service oriented is the company?
  • If I call or write in with a question, how quickly will I get a response-what’s the average service time?
  • How quickly are claims handled when they reach the company?
  • What percentage of the company’s invested assets are investment grade securities?
  • How old is the company?

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