Picking a health insurance plan that provides the coverage you and your family need can seem overwhelming. There are a lot of options, and it can be hard to narrow down your choices to find a plan that offers comprehensive coverage and still fits your budget. USA.gov suggests you ask these questions as you’re evaluating plans:
- Are specialists such as eye doctors and dentists covered?
- Does the plan cover special conditions or treatments such as pregnancy, psychiatric care and physical therapy?
- Does the plan cover home care or nursing home care?
- Will the plan cover all medications my physician might prescribe?
- What are the deductibles? Are there any co-payments?
- What is the most I will have to pay out of my own pocket to cover expenses?
- If there is a dispute about a bill or service, how is it handled? In some plans, you may be required to have a third-party decide how to settle the problem.
You can learn more about your health care options and how to pick a plan that gives you the coverage you need at USA.gov at http://www.usa.gov/Citizen/Topics/Health/HealthInsurance.shtml
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