Supplementing Health Insurance

By Compuquotes Team on May 15th, 2008

Health Insurance

Health insurance can be a wonderful thing to have, but depending upon the policy that you purchase you might find that there are some gaps in the coverage that you receive. Some of these gaps occur because they don't fit cleanly into what's covered in basic health plans, while others occur because they would normally be covered under other health insurance options. Depending upon the type of health insurance that you have you might find yourself with more or less gaps apparent in your policy.

In order to prevent these gaps in coverage from costing you a lot of money for health care, you can choose to supplement your health insurance with additional coverage. This basically means that you'll be taking out additional insurance policies which will work in conjunction with your core policy, eliminating coverage gaps and providing additional coverage on certain medical expenses.

Common types of supplemental coverage include dentistry and oral surgery, prescription cost coverage, and specialized insurance for eye, ear, nose, and throat care. You may be able to purchase the additional coverage as add-on packages for your core insurance policy, or you might have to purchase separate policies for each type of coverage (and in some cases you may even have to purchase them from different agents.) Depending on what sort of packages are available, you may be able to save money by buying several supplements together instead of purchasing them separately as well.

Of course, the big question is whether supplementing your health insurance is worth the cost of the additional policies. The answer to this will depend largely on the level of coverage you would like to have and how often you plan on making use of some of the more specialized supplements. If you make sure that you visit a dentist regularly or expect that you'll need a significant amount of dental work in the future, having a dental supplement on your health insurance would be quite useful. If, on the other hand, you have only had a single eye exam in the past several years and have never had a need for glasses then you could easily do without a vision supplement.

When considering how complete your health insurance coverage should be so that you'll know which supplemental insurance would be useful to you, take the time to stop and consider any medical expenses that you've had over the course of the last few years. Include everything from dental work and office visits to emergency room trips, and think about how much of the costs were covered by your insurance (or would have been covered if you would have had insurance at the time.) Any expenses that weren't covered or that would have been only partially covered should be examined more thoroughly to see if there are any specific supplements that would have taken care of those costs. This obviously doesn't mean that you should purchase supplemental insurance to cover every medical expense that you've ever had, but if there have been several instances where additional coverage could have saved you money then you should take note of them. This will give you something to think about when you consider buying the supplements that could help you to avoid similar costs in the future.

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