health insurance options

How to compare and choose the right plan?

Health Plan Comparison anc Checklist:

The checklist form below is created to assist you in comparing health plans. On this form, we included the suggested items that we think consumers should consider when shopping for a health plan. The form and the completed sample forms are created in Adobe Acrobat format.

Health Plan Comparison (pdf format) - an example of a plan coverage between multiple companies.

In vs. Out of Network Comparison (pdf format)- an example of a costs comparison between In-Network and Out-of-Network provider.
Health Plan Checklist Form

Use this checklist when comparing plans. Are things that are important to you covered? If covered, what are the limitations on the coverage? How much is paid for by the insurance and how much do I have to pay out-of-pocket? Refer to the filled-in checklist" (pdf format) as a guide when completing your checklist form

BENEFIT	COVERED OR IN EFFECT? (YES OR NO)	HOW MUCH IS COVERED?	YOU PAY
Office visits
Physical exams
Diagnostics (lab, medical procedures)
Emergency room visits
Cardiac/advanced procedures
Hospitalization
Preventive care
Pre-existing conditions
Well-child exams
Immunization
Maternity care
Drug benefits
Mental health coverage
Network discount applies to deductible?
Maximum out-of-pocket limits?
Limitations on reimbursement for certain procedures?

COSTS	AMOUNT
Premium
Office visit co-pay
Prescription drug co-pay (generic, name brand)
Emergency room co-pay
Coinsurance (you pay)
Deductible