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Health Insurance Guide >> Health Insurance Comparison and Evaluation Checklist
HEALTH INSURANCE COMPARISON AND EVALUATION CHECKLIST
(1) What is the type of coverage?
__ HMO
__ PPO
__ Major Medical
__ HSA or Archer MSA
__ Other
(2) What is the annual policy premium?
(3) Is the insurer offering discount for good health or healthy behavior (such as non-smoking)?
(4) Are the preexisting conditions not covered? If so, how long?
(5) Are there any limitations or exclusions for the following items?
__ Vision Care
__ Well-baby care
__ Dental Care
__ Inpatient hospital services
__ Outpatient surgery
__ Chiropractic visits
__ Hospice care
__ Office visits
__ Medical tests and X rays
__ Physical therapy
__ Speech therapy
__ Skilled nursing care
__ Prescription drugs
__ Mental health care
__ Home health care
__ Drug and alcohol abuse treatment
__ Rehabilitation facility care
__ Maternity care
__ Preventative care and checkups
__ Physicians visits (in the hospital)
__ Home health care visits
(6) What are the lifetime maximum limits?
(7) What is the annual deductible per person?
(8) What is the annual deductible per family
(9) What are the coinsurance payments
__ Per office visit
__ For inpatient hospital care
__ After meeting deductible
(10) What is the stop-loss limit?
(11) Are there any preauthorization (or certification) procedures?
(12) What are the requirements for renewal if the coverage is purchased individually?
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