Questions to Ask a Potential Health Insurance Provider

Health insurance can be confusing. Here are some questions you may want to ask potential providers to help you choose the best coverage for you:

• 1. How much can I afford to pay each month for coverage?
• 2. How often do I go to the doctor?
• 3. How much of a deductible can I afford?
• 4. What co-pay level is most comfortable for me $20, $30, $40?
• 5. How much hospitalization coverage do I need?
• 6. Do I need a plan with maternity coverage?
• 7. Do I want a plan that covers brand name prescription drugs or will a generic only plan work for me?
• 8. How much will the plan cover toward your lifetime medical costs?
• 9. What are the premiums and what are the circumstances in which they will increase?
• 10. Will I be able to automatically renew my insurance at the end of the term?
• 11. How much will I have to pay out-of-pocket before my insurance kicks in?
• 12. What type of pre-existing conditions and family history will I be required to provide?