Health insurance helps pay for covered medical care under a policy or plan. The most important details are the provider network, covered services, prescriptions, cost-sharing, and rules for using care.
Questions to ask
- Are my doctors, hospitals, and pharmacies in network?
- Are my medications covered, and under what restrictions?
- What premium, deductible, copayments, coinsurance, and out-of-pocket limit apply?
- Which services require a referral or prior authorization?
- How does the plan cover care away from home?
Read the current plan documents and confirm important details before enrolling or receiving non-emergency care.