Questions to ask about a health insurance plan
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- Are there many doctors to choose from?
- Which doctors are accepting new patients?
- How hard is it to change doctors?
- How are referrals to specialists handled?
- Is it easy to get an appointment?
- How far in advance must routine visits be scheduled?
- How does the plan handle emergency care?
- What preventive services are provided?
- How convenient to your home and work are the facilities?
- How do you get medical treatment out of town?
- What are the annual premiums?
- What are the copayments for office visits, prescriptions, etc?
- What services are covered?
- Do they pay anything if you use a doctor outside the plan?
- Is there a deductible and coinsurance rate?
- Is there an annual maximum you pay out of pocket?

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