• Aetna
• Assurant
• Blue Cross and Blue Shield

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• GoldenRule
• HumanaOne

• Supplemental Medigap Insurance
• Medicare Advantage Insurance
• Blue Cross and Blue Shield

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• Humana
• SecureHorizons by UnitedHealthcare
• Universal American
• WellCare

Shopping Tips for Mississippi Health Insurance

Shopping for Health Insurance

When shopping for health insurance it is important to make sure that you are buying the health care plan you want and can afford. You should make a list of your needs to compare with the benefits offered by a plan you are considering. You should compare plans to find out why one is cheaper than another. Listed below are some questions you should ask when shopping for health insurance:

Questions About Coverage

• What does the plan pay for and not pay for?
• Will the plan pay for preventative care, immunizations, well-baby care, substance abuse, organ transplants, vision care, dental care, infertility treatment, or durable medical equipment?
• Will the plan pay for any prescriptions? If it pays for some, will it pay for all prescriptions?
• Does the plan have mental health benefits?
• Will the plan pay for long term physical therapy?

Not all plans cover all of the benefits listed above. Be sure to ask about benefits.

Questions About Premiums

• Do rates increase as you age?
• How often can rates be changed?
• How much do you have to pay when you receive health care services (co-payments and deductibles)?
• Are there any limits on how much you must pay for health care services you receive (out of pocket maximums)?
• Are there any limits on the number of times you may receive a service (lifetime maximums or annual benefit caps)?

Questions About Providers

• What are the restrictions on the use of providers or services under the plan?
• Does the health plan require you to see providers in their network?
• Does the health plan pay for you to see a doctor or use a hospital outside the network?
• Are the network providers conveniently located?
• Is the doctor you want to see in the network accepting new patients?
• What do you have to do to see a specialist?
• How easy is it to get an appointment when you need one?

Questions About Customer Service

• Has the company had an unusually high number of consumer complaints?
• What happens when you call the company's consumer complaint number?
• How long does it take to reach a real person?