Frequently Asked Questions

Getting health coverage can be more than confusing. General health insurance covers health care provided by doctors and hospitals in the United States. However, even the basics can be a lot to take in. Here are some of the most common questions when it comes to getting insured.

It is important to assess your situation and your priorities. Do you have ongoing health issues? Do your children? The first thing you should do is figure out your most important requirements from your health insurance provider. Once you've done that, it's just a matter of comparing Apples with Apples and Oranges with Oranges. And that is exactly where Edelman Insurance Management comes in. With an intelligent and efficient comparative quote system, you can focus on the aspects most important for you, and figure out which insurance plan best delivers!

No. The law stipulates that any and all insurance plans must include coverage for certain occurrences. For example, with any plan you choose, you'll be covered for:

  • Hospitalization, including for surgeries.
  • Lab services
  • General emergency services when needed
  • Pregnancy related health care services, newborn and maternity, that will include assistance for before and after the baby is born.
  • Rehabilitation services for various conditions.
  • Prescription drugs
  • Preventive medicine and chronic disease management and treatment
  • Pediatric services
  • Ambulance services

As Americans, under the affordable care act, we are all required to have at the very least a minimum essential coverage, or be obliged to pay a penalty. The penalty for 2015 is either 2% of your income, or $325 per individual in your household. It hardly makes sense to pay a larger penalty instead of getting covered. When you get covered, you qualify for many free important services without activating your deductible, such as various preventive medicine services Besides, you never know when you may need it, it is definitely a case of better safe than sorry. Health care will make sure you stay protected from very high medical costs. Without coverage, 3 days of hospital stay amounts to about 30,000$, a broken leg could cost you $6000-$8000, and that's just the tip of the iceberg. You never know what the future holds, and with the right insurance plan that you'll find here on Edelman Insurance management, you can save money but also be ready in case the unexpected happens.

In most cases you do have that option to extend your current coverage. However, it is not always the most worthwhile option. It is best to conduct your research and treat your current provider as just one option out of the many available. That way you could see which one is the best deal for you. Edelman insurance management's tools for getting comparative quote will allow you to find out whether extending your current health insurance plan is the best way to go

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