When you review a health insurance policy, or compare one plan to another, consider:
Review each policy to see:
For help in comparing policies, talk to a licensed insurance agent or your employer's benefits manager.
As part of the Affordable Care Act (health care reform), insurance companies will no longer be able to apply limits on pre-existing conditions in 2014. Until that time, the law provides for a Pre-Existing Condition Insurance Plan for people who have been uninsured for six months or more due to a pre-existing condition. These plans are run by state governments and thus, options vary by state. Learn more about Pre-Existing Condition Insurance Plans.
As you compare policies, look at coverage for these basic medical services:
Health insurance policies should cover standard care for breast cancer. Treatment guidelines based on the latest research help ensure quality standard of care. The American Society of Clinical Oncology (ASCO) and National Comprehensive Care Network (NCCN) regularly update and post breast cancer treatment guidelines online.
Polices should cover:
Other breast cancer-related features that should be reviewed in each insurance policy include:
Provisions in the Affordable Care Act (health care reform) set minimum benefits that health insurance plans must cover. The law also includes provisions to protect people from excessive out-of-pocket health care costs. Some provisions are in effect now and others will phase in over the next few years. Learn more about the Affordable Care Act.
As you compare insurance policies, look at these costs:
Other health insurance plan issues to consider include: