Frequently Asked Questions

Health insurance in the US is a contract between the insured and a health insurance company. This contract guarantees that, in exchange for a monthly premium, the insured will receive coverage for medical services, hospitalization, medications and other health expenses. Coverage and benefits vary depending on the type of plan chosen, but its primary purpose is to protect the insured from high medical costs and ensure access to medical care when necessary.

1. Monthly Premium Payment: Insured members pay a fixed amount per month to maintain their active coverage.
2. Deductibles and Copays: Depending on the plan, the insured may pay a deductible before the insurance covers their expenses, and copays (a fixed portion of certain services).
3. Provider Network: Most plans operate with a network of doctors and hospitals, and choosing services within this network helps reduce costs.
4. Additional Benefits: Some insurance includes additional benefits, such as telemedicine, drug discounts, and wellness programs.

The healthcare system in the US can be expensive, and health insurance helps protect you from unexpected medical expenses. Having insurance allows people to access medical services without worrying about high costs, and helps promote long-term health through access to preventive services and regular checkups.

Health insurance typically covers:

• Medical consultations with specialists and general practitioners.
• Laboratory tests and diagnostics, such as X-rays or blood tests.
• Hospitalization, including surgeries and emergency care.
• Prescribed medications, in some cases.
• Preventive services, like vaccinations and routine check-ups.
• Maternity coverage or pediatric services, depending on the plan.
  It’s essential to review the specific details of each plan since benefits vary by provider and coverage level.

To switch plans:

1. Review your current contract to understand the policies for changing plans.
2. Contact your insurer and request information about available plans.
3. Ask about additional costs or premium adjustments for switching.
4. Provide any required documents if your profile needs updating.
5. If you’re during a renewal period, switching is usually easier and may not involve penalties.
6. Some changes may require a medical evaluation.

You can request a quote as follows:

1. Contact the insurance provider via phone, email, or their website.
2. Provide basic information, such as:
   • Your age and health condition.
   • Number of people to be covered (individual or family).
   • The type of coverage you’re looking for (basic, intermediate, or comprehensive).
3. Some insurers offer online simulators to get an instant estimate.
4. Ask for details about discounts or current promotions.

To enroll in health insurance, you usually need:

1. Identification (ID, passport, or equivalent).
2. Proof of address (recent utility bill or equivalent).
3. Medical history or to fill out a health status questionnaire.
4. Birth certificates or identification numbers for dependents if family coverage is included.
5. Medical tests (if a prior evaluation is required).
6. Payment method or banking information, depending on your preferred payment option.