OHA: Compare Services

Health Plans

Compare Offered Services

Most health plans will provide your basic medical coverage. It is important to compare the details of the services offered by each health plan, for example, what services are limited or not covered.

You need to determine if there is a good match between what is provided and what you think you will need. Some examples of what to think about would be:

  • If you have a chronic disease, is there a special program for that illness?
  • Will the plan provide the medicines/prescriptions that you currently use?
  • Do you have any special medical equipment that you may need?
  • Are there any "exclusions" from this plan--meaning types of care or services the plan won't pay for?
  • How does the plan decide what is or is not experimental procedure? If a plan does not cover certain services or care that you think you will need, how much will you have to pay?
  • Are there any limits to how much you must pay in case of major illness?
  • Is there a limit on how much the plan will pay for your care in a year or over a lifetime?