3 Important Questions To Ask Before Making a Doctor’s Appointment

​Not all health insurance is created equal. If you have medical insurance, you must ask the following questions before you arrange for a doctor's appointment.  

1. Will My Health Plan Cover My Doctor?
   Whether you already have a doctor or you're looking for a specialist, find out if your health insurance plan covers the doctor you choose.  You may call your doctor and ask if your brand of insurance is accepted or you may find out by checking your provider's doctors' or specialists' directory from their website. 
   
   After verifying, ask a representative if you need authorization before you visit your doctor. Without approval, you might be charged with professional fees and procedures that your plan may have covered.     
   
   
2. Will My Health Card Cover Procedures That I Need To Get Done?
   Almost all private medical plan covers necessary procedures and services, including emergency services, newborn maternity services, and even prescription drugs. Essential procedures like drug tests, urine tests, imaging such as x-rays and ultrasound, and more. However, it pays to be sure. 
   
   Contact your health insurance provider and ask about your covered procedures so you'll be guided if your physician orders these. Meanwhile, some health plans offer additional coverage; therefore, you must check these out before you begin. 
   
   
3. What Are The Costs?
   Different health plans have separate policies. Most companies offer the best deals when you make an appointment with a doctor who's affiliated by your card. This is called in-network provider. Some plans may allow you to visit a doctor that has no contract with your health plan as an out of network provider.  With an out of network provider, you will pay more out of your wallet. 
   
   Avoid surprises by getting to know the services that are and are not covered by your provider. Health insurance deductibles vary, so it's best to find these out before your actual consultation. Some insurance plans may only offer a co-payment for primary health care consultations before your deductibles are met. There are also some health insurance companies that provide discounts on services, including reduced prices on generic medications. 

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If you’re planning on visiting your doctor soon, it pays to find out this information so you can make smart decisions regarding your health. 

At Berlin & Denys Insurance, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (800) 946-3303. Get your free quote today by CLICKING HERE.