DELAWARE INSURANCE DEPARTMENT

Questions to ask when shopping for health care . . .

About Coverage

What does the plan pay for?

What does the plan not pay for?

What, if any, exclusions exist?

What are the limits on pre-existing medical conditions?

Will the plan pay for preventive care, immunizations, well-baby care, substance abuse, organ transplants, vision care, dental care, infertility treatment, durable medical equipment, or chiropractic care?

Will the plan pay for prescriptions?

Does the plan have mental health benefits?

Will the plan pay for long-term physical therapy?

About Premiums

Do rates increase as you age?

How often can rates be changed?

About Out-of-Pocket Expenses

How much do you have to pay when you receive health care services (copayments and deductibles)?

Are there any limits on how much you must pay for health care services you receive (out-of-pocket maximums)?

Are there any limits on the number of times you may receive a service (lifetime maximums or annual benefit caps)?

About Customer Service

Has the company had an unusually high number of consumer complaints?

What happens when you call the company's consumer complaint number?

How long does it take to reach a real person?