The document provides guidance on questions to ask when searching for health insurance. It lists key questions about coverage, costs, deductibles, networks, and doctors. Questions focus on what services are covered, out-of-pocket costs, differences between in-network and out-of-network providers, and availability of hospitals and specialists in the plan's network. The document also introduces HealthCompare.org as a website that allows users to research and compare health insurance plans online or with assistance from their benefits advisors.

1. WHAT QUESTIONS
SHOULD I ASK
WHEN SEARCHING
FOR
Health
Insurance?

2. HealthCompare.org
What Questions Should I Ask?
• What services are covered?
• What are the deductible, co-pay and co-insurance
amounts?
• What is the out-of-pocket maximum?
• What are the co-insurance amounts for non-preferred
or out of network providers?
• Are there per-visit fees or other types of co-pays for in-
network services?
• What is the cost difference between using in-network
and out-of-network doctors, and what costs are
associated with care outside of the PPO?

3. HealthCompare.org
What should you ask when searching
for health insurance?
Selecting a plan also means selecting the doctors
that are part of the plan. . .
What should you ask?

4. HealthCompare.org
Selecting Your Doctors
• How many are in the network?
• Who are they and where are they
located?
• What are the processes and restrictions
for referral to specialists?

5. HealthCompare.org
Reviewing Hospitals
• What hospitals are
available through
the plan?
• Where is the
nearest one in the
network?
• How is emergency
care handled?

6. Who is HealthCompare:
HealthCompare is your online one-stop-shop for health insurance
where you can research and compare plans online from over 150
national carriers.
We Promise:
To give you the best results for YOU, we never promote one carrier
over the other. We just assess your needs and show you the best
options from national carriers with plans in your area.
Our Commitment is to YOU:
As a division of The Word & Brown Company who has been the
leading source for small group health insurance for over 20 years,
we have leveraged technology to build an easy-to-use research
tool, supported by a world class customer service team.
HealthCompare.org
Our
Promise

7. 1. You can
enter your
information
anonymously
“Why is HealthCompare Special?”
HealthCompare.org

8. 2. You can
review your
plan options
online in
seconds
“Why is HealthCompare Special?”
HealthCompare.org

9. 3. You can
even compare
plans
side-by-side
“Why is HealthCompare Special?”
HealthCompare.org

10. 4. Then, you can
apply online or
call one of our
trained Benefits
Advisors for help!
“Why is HealthCompare Special?”
HealthCompare.org

11. Call toll free
877-641-1101
to speak to a trained
Benefits Advisor
or…
Go to HealthCompare.org today!
We Guide, You Decide!
HealthCompare.org

12. Still have questions? Give us a call at 877-641-1101.
Our trained Benefit Advisors are standing by.
STILL HAVE
QUESTIONS?
Give us a call at
877-641-1101.
Our trained Benefits
Advisors are standing
by.