Health Insurance Center

Health Insurance Q & As

Question 3 of 3 in Insurance Coverage And Major Disease, Illness, Substance Abuse, And Aids/hiv
What factors should I be aware of in selecting coverage?
There are several factors of importance when considering the impact of major disease or illness in the selection of health insurance coverage. Some of these factors are:

• Ability to obtain a referral to a Specialist in the field of treatment of the particular disease or illness without difficulty

• The range of allowable prescription medicines for treatment of the disease or illness

• The amount of the annual and lifetime ceiling on claims for services rendered by health care professionals, for prescription medicines and for other medical expenditures

• Whether experimental and trial medical treatments for the particular disease or illness will be covered.