5 Questions to Ask About Any Health Insurance Plan

1. Can you see all the "fine print" online?
   Answer: If an agent insists on "coming to your house" before they can email you quotes and plan information, don't let them.
   If a company won't publish ALL the benefits and rates online, generally they are trying to hide something
2. Is there an application fee?
   Answer: ALL of the top rated health isurance companies charge between $0-$30?
   We wouldn't recommend going with any company that charges more than $30.  Usually, those companies are hiding something. 
3. Is the deductible per year , per occurance , per person or per family?
   Answer: Make sure it is PER YEAR. Per family/per year is the best. Per occurance or per incident is the worst!
4. What is your Out of Pocket Maximum AFTER you've met your deductible?
   Answer: If a catastrophe happens ($100,000+ surgery/hospital stay), wouldn't you want to know the bottom line?
   After your deductible, you still have to pay 0-50% of the bill. Find out the EXACT $ amount, not just %.  Don't apply if you  cannot figure out the exact $ amount you'll owe after your deductible.
5. What is the maximum benefit per day for a hospital stay and per surgery?
   Answer: There should NOT be one if you stay in the network. Some companies only pay out a maximum of $300-$500 a day in the hospital and $5,000-$20,000 per surgery. NEVER get a plan like that!  If you are told, "Oh, we don't have a network. You can go to any doctor or hospital you want", that is usually a tip off that they are only going to pay out $50 per doctor visit or $300-$500 a day at a hospital.  STAY AWAY from that company and plan!