A Simple Check List For Finding the Right Plan

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To find the plan that is right for you, start with this simple checklist.

To help you find a health plan you feel good about, we've included a checklist of what you need to know.

Use 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.

Topics and Questions	Your Health Plan	Plan B	Plan C
What is the monthly premium?
What is the deductible?
What is the maximum out-of-pocket?
How much is the co-payment?
What is the co-insurance percentage?
Will you have a claim form to complete?
Given the plan's participating providers, which would you chose for: a primary care physician Specialists an urgent care center a hospital
Which of the following coverage is offered and how would you evaluate it - good, fair, poor:
Treatment for chronic conditions
Treatment of preexisting conditions
Surgical care
Emergency room visits
Inpatient hospital services
Consultations withspecialists
Family planning services
Maternity services including prenatal care, delivery and 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 (like crutches or a wheelchair)

(This booklet is provided for informational purposes only. Your decision regarding health insurance should be made based on your particular situation. Ifyou need advice, you should contact your insurance advisor.)

© 2001 Palo Alto Medical Foundation