Checklist of Issues to Review for Health Insurance

Checklist of Issues to Review for Health Insurance

1. Is the insurer financially strong?

2. Are the premium payments competitive?

3. What are the exclusions from coverage?

4. Are the premiums for dependents reasonable?

5. How much flexibility does an insured have to choose doctors?

6. What employees can be covered?

7. Can part-time employees be covered?

8. What does the insured have to pay for each doctor visit?

9. What deductibles are present?

10. What dependents are eligible for coverage?

11. Will benefits be available to gay partners of the employee?

12. Will the employee be entitled to continuation of coverage under COBRA after termination of employment, and under what terms?

13. What hospitalization and major medical expenses are covered?

14. How does the policy compare with other health insurers?

15. Is the ...