If you need to make a decision between several plans that your employer offers, or you are looking to buy an individual health insurance policy, you need to know what to look for before making a decision.

When choosing a health plan, there are several important questions you should ask your human resources department (if it’s a group plan you’re considering) or health insurance agent. Below you will find just some of the questions that will help you understand your choices and the plan that is best for you.

• Does the plan cover you for the specific doctor or hospital that you would like to use?
   
• How does the referral system work with each plan?
   
• What pre-existing conditions would affect coverage?
   
• How will each plan handle care if you or a family member is away from home?
   
• What are each plan’s monthly premium, deductible and coinsurance and would they fit within your budget?
   
• Are there other fees, such as co-payments and out-of-network fees?
   
• Is there a maximum amount each plan will pay over a year or lifetime?
   
• What types of benefits are specific to this plan?
   

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