Health Plan Evaluation Checklist
Fill out the following checklist to evaluate your current health plan, as well as others you're considering. Compare the services offered against the cost of each plan. Then choose the plan that best meets your family's needs.
Financial Considerations
- What is the monthly premium?
- What is the deductible?
- How much is the co-payment?
- What is the co-insurance percentage?
- Will you have a claim form to complete?
Choosing a Provider
Given the plan's participating providers, who would you chose for:
- ☐ A primary care physician
- ☐ Specialists
- ☐ An urgent care center
- ☐ A hospital
Evaluating Your Coverage
Which of the following coverage is offered and how would you evaluate it: good, fair, or poor:
- ☐ Treatment of chronic conditions
- ☐ Treatment of pre-existing conditions
- ☐ Surgical care
- ☐ Emergency room visits
- ☐ Inpatient hospital services
- ☐ Consultations with specialists
- ☐ Family planning services
- ☐ Maternity services, including prenatal care and delivery
- ☐ Newborn care
- ☐ X-ray and laboratory services
- ☐ Rehabilitation services, including physical, speech and occupational therapy
- ☐ Well-child care
- ☐ Annual physical exams
- ☐ Immunizations or allergy injections
- ☐ Home health care or services of a licensed private duty nurse
- ☐ Hospice care for the terminally ill
- ☐ Care delivered at a skilled nursing facility instead of a hospital
- ☐ Psychiatric care
- ☐ Drug and alcohol treatment
- ☐ Prescription drugs
- ☐ Rental or purchase of medical equipment (such as crutches or a wheelchair)
(This information is provided for informational purposes only. Your decision regarding health insurance should be based on your particular situation. If you need advice, you should contact your insurance advisor.)
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