Choosing the Right Plan

Ten Questions to Ask Before Choosing a Health Plan

  1. Does the plan offer coverage for both in and out-of-network providers, or does it include a tiered or limited network?
  2. Are my doctors and hospitals included in the network?
  3. How much is the premium?
  4. How much will I need to pay every time I receive care (cost-sharing or out-of-pocket costs)?
  5. Does the plan include a deductible, and if so, what is the out-of-pocket maximum?
  6. What preventive care services are covered with this plan and how much will I have to pay for them?
  7. How much does the plan cover for hospital stays and inpatient or outpatient surgery?
  8. Does the plan include coverage for prescription drugs and are there any special provisions, like a separate deductible or mandatory generic program?
  9. Are my prescriptions covered under this health plan and how much will I pay for them?
  10. Does the health plan include coverage for ancillary or specialty services like vision, dental, or travel insurance?