Start with how your household uses care
A premium is only one part of the cost. Compare the provider network, deductible, copays, coinsurance, out-of-pocket maximum, prescription formulary and rules for referrals or prior authorization.
Bring these details to the conversation
- Household members and ZIP code.
- Preferred doctors, hospitals and pharmacies.
- Current prescriptions and typical care needs.
- Coverage end date, desired effective date and comfortable monthly budget.
Read the plan documents
Ask for a summary of benefits and coverage and confirm providers directly with the carrier or plan directory. Networks and formularies can change.
Keep categories clear: major medical, short-term, fixed-benefit and supplemental products are not interchangeable. Ask exactly what kind of plan is being discussed.
Build a health coverage checklist with Shane.
Start with your doctors, prescriptions, budget and timing.