Health Insurance FAQs

Q: I am a State Employee. Who Would I Contact To Get Help Concerning My State Health Insurance?

Answer:    Contact the Department of Human Resources and Management.

Q: What Are My Health Insurance Choices

Answer:     There are essentially two types of health insurance plans: indemnity plans (fee-for services) or managed care plans. The differences include the choice of providers, out-of-pocket costs for covered services and how bills are paid. There is no one “best” plan for everyone. Some plans are better than others for your or your family’s health care needs, but no one plan will pay for all the costs associated with your medical care.

Q: Are There Any Other Sources For Covering Medical Expenses?   

Answer:    Yes, Here are A Few:
Auto Insurance
Disability Insurance
Homeowners Insurance
Long-Term Care Insurance
Workers Compensation Insurance

Q: Should I participate in My Employer’s Health Insurance Program?

Answer:     Yes, employer-sponsored health insurance plan premiums can be considerably lower priced than those for an individual health insurance plan because the plan is group rated and your employer contributes toward the cost. If your employer gives you a choice of plans, you need to understand your choices and pick the plan best suited for you and your family.

Q: How Do I Pick A Health Plan?

Answer:    Whether your employer gives you a choice of plans or you need to purchase your own coverage, it is crucial that you understand your health insurance choices and pick the insurance that is best for you and your family.

Informaton Provided By Insurance Information Institute
http://www.iii.org