Questions you should ask before buying a Supplement

• Is there a maximum limit on benefits (lifetime, annual, etc.)?
• Is there a pre-existing condition clause?
• Is there a waiting period before the policy will pay for pre-existing conditions?
• Will the plan cover excess charges?
• Must certain kinds of care be approved before getting the care?
• Inpatient care covered? Outpatient care?
• Will the plan pay the patient's cost-share under the ChampVA/Champus/Tricare diagnosis-related group (DRG) payment system?
• Does coverage continue for surviving spouses and dependents?
• Will the plan cover you overseas?
• How will the plan require premium payments? Monthly? Quarterly?
• Can premium payments be increased? Under what conditions?
• What are the membership fees (annual, lifetime, etc.) if any, when do you join the organization that sponsors the plan?
• What are the time limitations, if any, for claim filing?