One of the best ways to avoid getting caught without proper coverage is by being aware of the typical hidden catches so prevalent in discount insurance plans. Of course, these differ among companies as well, but some are common enough tactics to take a look at.
Exclusions are the primary way discount providers can offer such low health insurance quotes. It may seem initially that everything you need will be covered, but the fine print tells a different story. Common exclusions include health care needs related to self-injury, suicide, sexually transmitted diseases, or any issues that take place outside of the United States. Mental health care, alternative medicine, prescription birth control, and even maternity coverage are also commonly excluded from policies. The details will of course vary from plan to plan, so be sure to double-check before you sign.
The primary exclusion that affects so many consumers is that of preexisting conditions. While it’s clear that more serious health concerns such as cancer or heart problems may lead to a patient being denied coverage as being considered too high-risk, some of the conditions resulting in exclusion may surprise you. Oftentimes, health insurance quotes are given based on a patient’s history over the past five years, or even longer.
Something as simple and common as a urinary tract infection from years ago could be considered enough of a risk to result in denial of coverage. Other companies may require a waiting period before coverage is extended, usually six months.
Other things to watch out for are offering impossibly high deductibles. While this may result in low monthly premiums, it’s simply not worth it if you can’t afford to pay that large lump sum out of pocket. It may end up sending your family in over their heads in debt. Other plans may not cover urgent care, while some may not cover preventative medicine.
Before choosing any plan, one thing is clear: you need to be looking at a lot more than just the health insurance quotes before making your final decision.
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