What factors should I consider when choosing group health plan coverage?

When picking your health plan coverage, it is a good idea to review the plan materials thoroughly to determine which one best fits your needs. A few things to consider: :

- Is your current doctor and hospital listed in the plan’s network?

- Does the plan cover spouses and dependents (if necessary)?

- Does the plan cover pre-existing conditions (if necessary) and prior authorizations?

- What are the plan’s annual limits and prior authorization requirements? (Annual limits are usually the maximum amount of coverage for your plan for the year. Prior authorization is typically when an insurance company approves coverage of a prescription drug before it is filled.)

- Do they cover my prescription medications? Are there lower cost alternatives such as generic versions or mail-order services that are available?

- Does the plan offer coverage for dental and vision care?

- Would it be more affordable to join a family member’s plan?

You may want to ask your human resources representative for help if you have questions about the options that are available.