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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.

BENEFITCOVERED 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?   
COSTSAMOUNT
Premium 
Office visit co-pay 
Prescription drug co-pay (generic, name brand) 
Emergency room co-pay 
Coinsurance (you pay) 
Deductible 

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