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Learn About Your Health Insurance Options and How to Pick a Plan

Posted Jul 09 2012 12:52pm

When you’re selecting a health insurance plan, you’ll want to consider more than just the cost. Here are some common questions you should ask yourself when looking at your options:

  • Do I have the right to go to any doctor, hospital, clinic or pharmacy I choose?
  • 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.

If you’re between jobs, you have option of extending your employer’s health care through COBRA. This publication explains your rights under COBRA .

Learn more about your health care options and how to pick a plan that gives you the coverage you need .

To learn about other free resources to help you no matter what your financial situation, sign up for our e-mail list or visit our page .

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