Health Insurance
- What are my health insurance choices?
- Are there any specialty health insurance policies?
- Should I participate in my employer's health insurance program?
- How do I pick a health plan?
- How can I determine the quality of the insurance plan I am looking at?
- If I change jobs or become unemployed, can I take my health insurance coverage with me?
- If my employer does not offer health insurance, can I buy an individual policy?
- How can I lower my health insurance costs?
- Can I deduct my health insurance premiums on my income tax return?
- Can I deduct the medical expenses that my insurance does not cover on my income tax return?
- Do I need to alert my insurance company if I am expecting a baby?
- Can I buy health insurance if I have a serious illneness such as AIDS or diabetes, or if I have a chronic condition such as high blood pressure or asthma?
- Deductible
- Family Coverage
- HIPPA (Health Insurance Portability and Accountability Act
- In-Network/Out-of-Network
- Managed Care
- Preexisting Condition
- Primary Care Physician
Get a health quote from Blue Cross Blue Shield of Texas
How can I determine the quality of the insurance plan I am looking at?
- How have independent government and non-government organizations rated the plan? For example, the National Committee for Quality Assurance (http://www.ncqa.org ) issues a Consumer Assessment of Health Plans (CAHPS) report for every medical plan and facility.
- What kind of accreditation has the plan received from groups such as NCQA or the Joint Commission on Accreditation of Healthcare Organizations (JCAHO) ( http://www.jcaho.org )?
- How many patient complaints were filed against the plan last year and how many were upheld by state regulatory agencies like the state insurance commission or the state medical licensing board?
- How many members drop out of the plan each year? State insurance departments keep track of "disenrollment rates."
- Do the doctors, pharmacies and other services in the plans offer convenient times and locations?
- Does the plan pay for preventive health care such as diet and exercise advice, immunizations and health screenings?
- What do my friends and colleagues say about their experiences with the plan?
- What does my doctor say about his or her experience with the plan?
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