There is so much to know about health care coverage and yet most Americans are inexperienced at exactly what to look for and how to get what they need—no more and no less.  More means paying extra. Less means finding yourself caught short at a time you most need coverage.

The following three questions are ones you absolutely most ask if you are going to successfully navigate the the balancing act required to be a savvy consumer of health care insurance.  While the questions may seem obvious, the answers all provide nuances and dimensions you might overlook, which could prove problematic down the road.

Are My Health Care Providers Covered by the Plan?

Of course that’s going to be the first thing you look for. You want to be able to stay with the medical team you know and trust.  But ALSO keep in mind:
--Sometimes the practice may be covered, but not your particular doctor
--Sometimes one plan under the same insurer covers your doctor, but the one you or your employer is considering does not
--Don’t forget to check the hospitals with which your doctors are affiliated.  They must be covered too or you’ll pay a small fortune if you and  your family are admitted.
--Be sure to base your decision on the doctors you and your family use most.  Don’t try to force fit every doctor you ever see.