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Choosing a Health Plan

You can view a summary of a plan's benefits and coverage and a glossary of commonly used terms before you enroll and each year when your plan renews. These documents explain your benefits and coverage limits in clear, easy-to-understand language.

Questions to Consider

Here are some things to consider when comparing plans.

  • What are the premium, copayment, deductibles, coinsurance, and out-of-pocket limit amounts?
  • When do you need to pay the above amounts?
  • What types of care does the plan exclude?
  • Are your prescriptions on the list of covered drugs? What do they cost?
  • Are your providers (doctors, hospitals, specialists, pharmacies, etc.) in the plan's network?
  • Are there limits on the number of times you can receive a specific type of care?
  • Do you need a referral or pre-authorization before you can get treatment for certain types of care?