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Choosing the Right Plan
Checklist
for Choosing the Right Plan
Use the following checklist
to evaluate your current health plan, as well as others
you're considering. Compare the services offered against
the cost of each plan. Then choose the plan that best
meets your family's needs.
- Given the plan's participating providers, which
would you choose for:
- a primary care physician
- specialists
- an urgent care center
- a hospital?
- Which of the following coverage is offered and how
would you evaluate it: Good, Fair, or Poor:
- Treatment for chronic conditions
- Treatment of pre-existing conditions
- Surgical care
- Emergency room visits
- Inpatient hospital services
- Consultations with specialists
- Family planning services
- Maternity services, including prenatal care,
delivery and newborn care
- X-ray and laboratory services
- Rehabilitation services, including physical,
speech and occupational therapy
- Well-child care
- Annual physical exams
- Immunizations or allergy injections
- Home health care or services of a licensed private
duty nurse
- Hospice care for the terminally ill
- Care delivered at a skilled nursing facility
instead of a hospital
- Psychiatric care
- Drug and alcohol treatment
- Prescription drugs
- Rental or purchase of medical equipment (such
as crutches or a wheelchair)?
- What is the monthly premium?
- What is the deductible?
- How much is the co-payment?
- What is the co-insurance percentage or maximum out
of pocket?
- Will you have a claim form to complete?
* LUHS would like to thank Sutter Health
for portions of this material
Related Links
Questions
and answers about selecting a doctor or health plan
Types
of insurance plans
Glossary
of health-care and insurance terms |
