HC411R - Health
Rand: This is Healthcare 411.
There’s a new guide to help you choose a health insurance plan. More,
Voice 1: Why do
I need the operation?
Voice 2: Are
there alternatives to surgery?
Voice 3: And
what are the risks involved?
Every year, more than 15 million Americans have surgery. If you’re
considering surgery, you need to make an informed decision. Ask your doctor
to answer questions and explain alternatives clearly. To learn more read the
booklet Having Surgery: What You Need To Know found at
www.ahrq.gov/consumer. A message from
the Agency for Healthcare Research and Quality, part of the U.S. Department
of Health and Human Services.
Rand: This is Healthcare411. If you’re
considering health insurance for the first time, or changing your insurance
plan, a new booklet from AHRQ will help you sort out what you need. AHRQ
Director Dr. Carolyn Clancy
Dr. Clancy: First consider how
much coverage you need. Are you single or do you have a family? Do you or
a family member have a chronic condition? You need to look at what coverage
you will get for doctors’ visits, surgery, hospital stays or other types of
care. You also should find out if your plan will cover prescription drugs,
visits to the dentist, or new glasses.
Rand: What about the cost of
Dr. Clancy: Cost is another important
issue. You need to understand how much you will pay for your coverage in
premiums. How much you’re able or willing to pay each week or month may
determine what you will get in benefits. Another question is: Will you
have to pay a minimum amount for care before your health plan will pay?
Rand: What if I don’t have any choice
of health insurance plan?
Dr. Clancy: These are also important
issues to understand even if your employer only offers one plan.
Don’t wait until you need emergency care to ask questions.
Rand: For more information, get the
booklet Questions and Answers about Health Insurance, available at
www.ahrq.gov/consumer. I’m Rand
Gardner. Healthcare 411 is produced by the Agency for Healthcare Research
and Quality, part of the U.S. Department of Health and Human Services.