Step Two: A Few More Questions

Please consider the six critical health care questions featured below. The answers to these questions will help you choose wisely and shape your overall satisfaction with your coverage.

1.	If you have a favorite doctor (nurse practitioner, therapist, or some other health care provider), is she or he a participating provider in the plan you’re considering? Call your provider or the plan’s member services number to inquire. This information may also be located on their Web sites.
2.	If you prefer to seek treatment at a particular hospital, does that facility participate in the plan you’re evaluating? Call your provider, the plan, or check any affiliated Web sites.
3.	Are the benefits you most need covered by the plan? Use the Health Plan Comparison Worksheet. Make sure you read all plan documents and brochures. Ask your agent or plan administrator directly.
4.	How much will your premiums cost you over the next year? Read all plan documentation. Ask the health insurance provider.
5.	What out-of-pocket expenses can you reasonably expect over the next year? Add up everything, including possible inpatient and outpatient hospital visits, doctor visits, and prescription drugs. Don’t forget vision and dental care if the plan you’re evaluating covers these. Figure in your deductible, any coinsurance, and copays.
6.	What is the maximum amount you will have to pay out in the event of a catastrophic accident, illness, or injury? No one wants to dwell on worst-case scenarios, but a serious illness or injury can strike you or a loved one without warning. Again, make sure you figure your deductible, insurance, and copays into the equation.

Go back to Step One.     Go to Step Three.