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Health Insurance Checklist

Here are some of the things to look at when choosing and comparing health insurance plans.

Covered medical services

• Inpatient hospital services
• Outpatient surgery
• Physician visits (in the hospital)
• Office visits
• Skilled nursing care
• Medical tests and X-rays
• Prescription drugs
• Mental health care
• Drug and alcohol abuse treatment
• Home health care visits
• Rehabilitation facility care
• Physical therapy
• Speech therapy
• Hospice care
• Maternity care
• Chiropractic treatment
• Preventive care and checkups
• Well-baby care
• Dental care
• Other covered services

Are there any medical service limits, exclusions, or preexisting conditions that will affect you or your family?

What types of utilization review, pre authorization, or certification procedures are included?

Check on the costs of health Insurance

1. How much is the premium?
   $_____________________________________________
   
2. Are there any discounts available for good health or healthy behaviors (e.g., non-smoker)?
   _____________________________________________
   $_________________________________ per person
   $_________________________________ per family
   
3. What coinsurance or co-payments apply?
   _________________________________% after I meet my deductible
   $_________________________________ copay or % coinsurance per office visit
   $_________________________________ copay or % coinsurance for "wellness" care (includes well-baby care, annual eye exam, physical, etc.)
   $_________________________________% copay or coinsurance for inpatient hospital care
   

For more informations on our services contact insurance brokers John Good| Kelly Good