Health Insurance - Checklist To See Whats Most Important to You


Insurance plans vary. Before choosing a plan, decide what is most important to you. This checklist can help. Put a check in front of those services that are important to you. Then see how many of these services are in Policy #1, Policy #2, and Policy #3. On the checklist, write in the coinsurance or copayment rate, if there is one, and any limits on service.

Remember that the most important service to be covered is hospitalization. If you are not covered for hospital care, then one sickness could cost you thousands of dollars, even hundreds of thousands of dollars.

 

Service
Policy #1
Policy #2
Policy #3
Hospital care
     
Surgery (inpatient and outpatient)
     
Office visits to your doctor
     
Maternity care
     
Well-baby care
     
Immunizations
     
Mammograms      
Medical tests, x-rays
     
Mental health care
     
Dental care, braces and cleaning
     
Vision care, eyeglasses and exams
     
Prescription drugs
     
Home health care
     
Nursing home care
     
Services you need that are excluded      
Choice of doctors
     
Location of doctors and hospitals
     
Ease of getting an appointment
     
Minimal paperwork
     
Waiting period for coverage
     

 

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