Kids and Health Care: Key Questions

1. Does your employer offer you health insurance?
2. Do you have a choice between an HMO and a reimbursement-style policy?
3. Is your regular physician a provider for the HMO you're considering?
4. If you choose a medical expense policy, how much of a deductible are you considering? (It's worthwhile to compare premiums for a policy with several different deductibles.)
5. Would you consider purchasing catastrophic coverage by increasing your deductible substantially?
6. Do you belong to a group that offers discounts on health insurance (e.g., a trade association, an alumni association, a church)?
7. Have you asked your doctor or pharmacist to recommend a health insurance plan? What did he or she recommend?
8. If you have been unable to obtain insurance on your own, do you qualify for a state-sponsored health insurance pool?
9. Do you qualify for Medicaid?
10. Do you qualify for Medicare?
11. Have you considered a Medigap policy?
12. Do you need dental insurance?
13. Do you need a vision plan?
14. Do you need a prescription plan?
15. Does your employer offer a cafeteria plan?
16. How much money would you want to have withheld from your paycheck for a cafeteria plan? (Add up your regular monthly medical-related expenses, and also include an allotment for annual costs, such as copayments for doctors' visits and glasses.)
• Health insurance premiums ______________
• Average monthly copayments ______________
• Dental premiums/fees ______________
• Alternate therapies, etc. ______________
• Psychological counseling, etc. ______________
• Child- and elder-care expenses ______________
• Vision care expenses ______________
• Medical equipment ______________
• Other health-related expenses ______________
• Monthly Total ______________
17. If you're about to leave your job, have you investigated COBRA coverage?
18. If you do not have group health insurance through your job, have you considered a medical savings account?

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