Need help selecting health insurance? expert Betty Long can help.

Q: What questions should I ask before choosing a health insurance plan? A: These questions will get you started: What hospitals and doctors are in the plan’s network? Make sure your primary care doctor is in network. What is not covered (exclusions)? What are my copays for common services like office visits, X-rays, blood work and physical therapy? How much will the plan pay for brand and generic prescriptions? Is there any cap (for instance, the plan pays up to $5,000 per year)? What happens if I get cancer? Get pregnant? Become disabled? These are the biggies that really test insurance companies. What is the coverage for mental health outpatient services? Are alternative or complementary therapies (like acupuncture) covered? —Betty Long, expert, Registered Nurse, Founder and president, Guardian Nurses Healthcare Advocates Go back to All the Answers, July 2013. CLICK HERE TO CHECK OUT THE ALL THE ANSWERS ARCHIVES Brought to you by: Spry - Healthy Living and Wellness for Women