How to Understand Your Health Insurance Policy
Read your summary of benefits.. Understand the law regarding essential health benefits.. Find out whether your doctor or hospital is covered.
Steps
1
Read your summary of benefits.
Read your summary of benefits.
2
Understand the law regarding essential health benefits.
Understand the law regarding essential health benefits.
3
Find out whether your doctor or hospital is covered.
Find out whether your doctor or hospital is covered.
4
Check if your medication is covered.
Check if your medication is covered.
5
Total your premiums.
Total your premiums.
6
Distinguish between copayments and co-insurance.
Distinguish between copayments and co-insurance.
7
Review your deductible.
Review your deductible.
8
Check the maximum out-of-pocket.
Check the maximum out-of-pocket.
9
Determine if you're eligible for a subsidy.
Determine if you're eligible for a subsidy.
10
List your typical yearly medical costs.
List your typical yearly medical costs.
11
Decide what level of coverage you want.
Decide what level of coverage you want.
12
Evaluate health plan structures.
Evaluate health plan structures.
13
Review the covered network.
Review the covered network.
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