Not all health insurance plan options offer the same protections and coverage as qualified health plans on Nevada Health Link. In fact, new federal rules are loosening restrictions on what’s required. These changes mean it’s more important than ever to read the fine print to make sure the health insurance plan you buy covers the services you and your family may need. Otherwise, you might end up spending more money in the end or you might not be able to get care when you need it most.
Before you purchase your health insurance, make sure it covers everything you might need over the next year. Beware of companies using overly aggressive marketing gimmicks to sell plans or of anyone who won’t let you see the details of what’s covered BEFORE you buy.
Here’s a checklist of things to ask so you know the health insurance plan options you are buying is the right one for you and your family:
- If the unexpected happens and your plan drops you because you get injured, pregnant or diagnosed with an illness, could you afford your medical bills out-of-pocket?
- Do you need immunizations?
- Do you play a sport, ride a bike, or engage in physical activity that could result in an injury? If so, could you afford to pay out-of-pocket to treat that injury?
- Are you pregnant or do you expect to become pregnant? Will you need maternity care?
- Do you or does anyone in your family take prescription medications? Could you afford to pay out-of-pocket for these medications?
- Does the plan cover preventive care like an annual check-up or regular screenings for cancer or other diseases? If so, are there extra fees?
- If you’re diagnosed with a disease like cancer, could you afford to pay for treatment out-of-pocket, knowing that would cost hundreds of thousands of dollars each year?
- Do you need a plan that covers emergency room visits and hospitalizations? How much will the plan pay?
- What are the out-of-pocket costs on the things you need? Are the benefits you need limited