 While choosing among health insurance plans you will spend a lot of time and effort. You can save your time and effort with the help of following checklist. It will prompt to you what questions to ask so you will be able to carefully compare various plans and find the one that best fits your needs.
All you need to do is to put a check in front of services that are important to you. Then you will see how many of these services are in policies you have chosen.
Don’t forget that the most important service that must be covered is hospitalization. If you are not covered for hospital care, then one illness could cost you thousands of dollars, even hundreds of thousands of dollars.
Checklist
Services Policy #1 Policy #2 Policy #3
- Hospital care
- In-patient and out-patient surgery
- Visits to your doctor
- Maternity care
- Baby care
- Vaccinations
- Mammograms
- Medical tests and
X-rays
- Mental health care
- Dental care
- Sight care
- Prescription drugs
- Home health care
- Nursing home care
- Excluded services that you need
Other important issues:
- Choice of doctors
- Convenient position of
physicians and hospitals
- Simplicity of getting
an appointment
- Minimal paperwork
- Waiting period before
coverage begins
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