- Who are you insured with?
- What type of plan is it (HMO, PPO, or other)?
- How much are your deductibles?
- How much is your copay for office visits to primary care and specialists? What about pharmaceuticals?
- Can you select your own physician?
- Do you have to be referred to a specialist by your primary care physician?
- What is your out of pocket maximum individually and for your family, if applicable?
- If you are hospitalized, how much will you have to pay?
- Describe your level of satisfaction with your health care coverage. Describe specific changes that you’d like to see in your health care coverage plan.
- Next, consider the overall cost of your insurance: your premiums, the premiums paid by your employer (if this is your source of insurance), co-pays and such, deductibles, and other costs associated with being seen and treated. Compare your costs with the annual average premium for your state.
You may also be interested in reading this short piece: https://www.cnbc.com/2017/06/23/heres-how-much-the-average-american-spends-on-health-care.htmlLinks to an external site. - How well do you fare with respect to the average? Any thoughts on how we might improve on how we ensure our population?
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