This refers to the kind of health services and treatments you anticipate requiring, which could range from general medical care to specialized treatments or preventive services.

This is the amount you pay each month for your health insurance, regardless of whether or not you use medical services.

This is the amount you pay out-of-pocket for health care services before your health insurance begins to pay.

This is the most you'll have to pay during a policy period for your share of the costs of covered services.

Co-payment is a fixed amount you pay for a covered healthcare service, while co-insurance is your share of the costs of a healthcare service.

In-network healthcare providers have contracted with your insurance company to provide services for less than their usual fees. If a doctor is out-of-network, you'll pay more.

It's crucial to understand the breadth and depth of your coverage network and confirm whether your current healthcare providers are included within this network.

Not all plans cover the same drugs, so it's essential to check this if you're on medication. What happens if I am prescribed a medication that is a brand name that no insurance covers?

Preventative care like vaccinations and screenings can help you stay healthy and catch health problems early when they are easier to treat.

Some plans require a referral from a primary care doctor before you can see a specialist.

Understand how the plan covers accidents and emergency room visits and whether you can go to any hospital or only those in your insurance network.

Some health insurance plans include coverage for dental and vision care, while others do not.

Some plans have specific terms or waiting periods for pre-existing conditions.

Is there a possibility that the insurance provider might terminate my coverage after a specific period?

It's important to understand the level of personalized attention and customer support you can expect from your plan.