• Health Insurance Shopping List

     
     
     
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    4/14/2014

    Consider asking these questions before buying health insurance coverage.

    • Who is the insurer? Does it have a good reputation? How is it rated ? How big is it? How long has the company been in business?
    • What is the deductible?
    • Is there a copay?
    • Does it cover your dependents? What about stepchildren?
    • Does it cover specific conditions/procedures that are important to you?
    • Does it cover your medications?
    • Does it cover eye exams or dental exams?
    • Does it cover birth control?
    • Does it include mental health benefits?
    • What about ongoing physical therapy? Is that covered?
    • Will it cover emergency transport?
    • What if you have emergency medical needs when you out of the country. Will it cover those?
    • May I choose my own doctor? Will it cost me more if my doctor is not in the network? How much?
    • When is the open enrollment period? Can I transition smoothly from my current plan?
    • Does the plan cover the ACA’s 10 essential benefits?
    • Is the plan grandfathered?

    In additional to these general considerations, you will have specific questions about coverage for your specific needs and circumstances. Use the lines below to jot them down before you shop for a new plan.

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    Print this Health Insurance Shopping List, here. (PDF version)