Prior to getting medical insurance quotes rid yourself of any hesitation about asking questions.  Remember, you are buying something, so you need to make certain you know exactly what you are getting and whether you really need it.  Not understanding the fine print, or the limits of a medical insurance policy could mean you have something that does not meet your needs.        

Some basic questions that you may want answered by an insurance agent are:

Does the policy include coverage for check-ups?

Are children’s immunization covered?

Do visits to specialists require pre-authorization?

Is prescription medication covered?

Are trips to the emergency room covered 100%?

Are routine exams - for women - included?