It’s no secret that navigating the world of health insurance is complex, but that doesn’t mean it isn’t possible. As long as you have the right list of questions to ask your health insurance broker, the process couldn’t be any simpler. 

Keep reading to discover the best questions to ask your health insurance broker to ensure that you’re getting the best benefits for your unique needs and situation.

At the end of the day, taking the time to understand the varying health plans, the open enrollment process, and the various ways to save money, will leave you empowered to make informed decisions and make the most out of your healthcare benefits. 

What Type of Health Insurance Plan is Best for You? 

When determining your health insurance plan, it’s essential to take your individual needs and preferences into consideration, as well as any employee benefits provided by your employer. 

In this section, we’ll dive into the different types of health insurance plans available and their respective pros and cons to help you determine which one is the best fit. 

Health Maintenance Organizations (HMOs)

HMOs are often associated with their limited network of healthcare providers. Members who select this plan type will be required to select a primary care physician to act as a central coordinator for their care and provide referrals to specialists. 

However, HMOs tend to come with lower out-of-pocket costs and premiums than the other plans. Nevertheless, the limited network and referral requirements may not be a good fit for members who prefer flexibility in selecting the healthcare provider of their choice. 

Preferred Provider Organizations (PPOs)

Unlike HMOs, PPOs offer a wider network of providers, allowing members to see any PCP or specialist without needing a referral. Unfortunately, the cost of the increased flexibility is often higher out-of-pocket costs and monthly premiums. Additionally, PPOs have the disadvantage of having significantly higher costs to see an out-of-network healthcare provider. 

Point of Service (POS)

POS plans can be viewed as a hybrid of HMO and PPO plans. POS plans allow members to select a primary care physician but also allow members to visit an out-of-network specialist as long as the visit is accompanied by a referral. 

Because of the flexibility, these plans have mid-range monthly premiums and total out-of-pocket costs. In other words, it’s not the cheapest on the market, but also not exorbitantly expensive. 

Exclusive Provider Organizations (EPOs) 

Like POS plans, EPO plans are also seen as a hybrid of PPOs and HMOs. They come with a limited network of healthcare providers, like HMOs, but they don’t require referrals to visit specialists, like PPOs. 

EPO plans also tend to come with lower premiums than PPOs, but they can be significantly higher than HMOs. Additionally, members will be required to pay the full cost for care provided by an out-of-network provider. 

What Does the Plan Cover?

Just because a plan is cheap and affordable doesn’t necessarily mean it covers your needs. Understanding the scope of coverage is absolutely essential in ensuring that you’re getting a comprehensive benefits package that you can actually use. 

Some key benefits to make sure to ask your health insurance broker about include the following:

  • Pre-existing conditions
  • Preventive care
  • Maternity care
  • Mental health services
  • Prescription drugs

Pre-Existing Conditions

If you have a pre-existing condition, it’s important to know if your plan will cover it, especially if it’s a chronic illness or requires ongoing medical expenses. 

A pre-existing condition is essentially any medical issue that you’ve been diagnosed with or treated for before enrolling into a new health plan. Some examples include asthma, heart disease, diabetes, ongoing prescription medications, and more. 

In the past, most insurance companies could deny coverage or charge higher premiums for those with pre-existing conditions. This made it extremely difficult for many to obtain affordable health insurance. 

However, with the Affordable Care Act in place, insurers are now required to cover pre-existing conditions without charging higher premiums or imposing waiting periods. However, confirming this with your broker is still a good idea. 

Some questions to ask your broker about pre-existing conditions include the following: 

  • Are there any exclusions or limitations on coverage for pre-existing conditions?
  • Does the new plan allow me to continue to see my current provider to treat my condition?
  • How can I minimize disruption to my care?
  • Are my prescription medications for my pre-existing condition covered?
  • Are there any waiting periods or other limitations to the plan I chose?

Preventive Care

Preventive care services, such as wellness check-ups, vaccinations, and screenings, play a vital role in maintaining your health. These services aim to identify potential risks before they become severe, allowing for rapid treatment and intervention. 


Under the Affordable Care Act, most insurance plans are required to cover a select set of preventive services at no cost. However, it’s important to confirm this fact with your broker as well. 

Some questions to ask your broker about preventive care include the following:

  • Are there any out-of-pocket costs associated with preventive care?
  • Which preventive services are covered under the plan I chose?
  • Are all providers covered for preventive care services?

Maternity Care

If you’re planning to start a family, maternity care is a must-have in your plan. Maternity care includes prenatal visits, delivery, and postpartum care. 

Some questions to ask about maternity care include: 

  • Does my plan cover prenatal care?
  • What maternity services are covered during labor and delivery?
  • Is postpartum care covered?
  • Are there any waiting periods for maternity care coverage?

Mental Health Services

Today, access to mental health services is more crucial than ever to a person’s overall well-being. It’s important that members are able to address a range of mental health issues, such as BPD, anxiety, and depression. 

Some questions to ask about mental health services include:

  • Does my plan cover mental health services, such as psychiatric care and therapy?
  • Are there limitations on the number of sessions covered?
  • Does the plan cover both in and out-of-network providers? 
  • What type of mental health providers are covered under my plan? 

Prescription Drugs

No matter what you’re getting treated for, prescriptions will be needed sooner or later. Ensuring that your health insurance plan covers the cost of these drugs can be a dealbreaker. 

Some questions to ask include:

  • Does my plan cover prescription medications? If so, does it cover my current medications?
  • Does it follow a tiered pricing structure?
  • Are there limitations or restrictions on drug coverage?
  • Does my plan prefer generic or brand-name drugs?

What are the Deductibles and Out-of-Pocket Costs? 

One part of successfully navigating the complex world of health insurance is to understand the concept of out-of-pocket costs and deductibles. 

  1. What is a deductible? A plan’s deductible is the amount members must pay for covered healthcare services before their insurance kicks in to cover a portion of the costs. 
  2. Are there any services exempt from the deductible? Ask your broker to clarify which services, if any, are exempt from your plan’s deductible. 
  3. How do the copayments and coinsurance work? Copayments are fixed amounts that you must pay for covered services, while coinsurance is a percentage of the costs you’re responsible for after meeting your deductible. 
  4. What’s my out-of-pocket maximum? This amount is the most you’ll pay for covered healthcare services within a given plan year. Once you reach this limit, your plan will pay 100% of the costs for covered services. 

What is the Network of Healthcare Providers?

The number of healthcare providers included in your health insurance plan or your network can significantly impact the amount of access to care and the costs you incur. 

Be sure to understand the scope of your plan’s network and how it will affect your coverage. 

  1. What type of provider network does my plan have? Ask your broker to explain the type of network that’s associated with your plan type and how it will affect your selection of providers. 
  2. What happens if I visit an out-of-network provider? Ask about the potential costs that come with using an out-of-network provider and if the plan offers out-of-network coverage at all. 
  3. Do I need a referral to see a specialist? Some insurance plans, like HMOs, require a referral from your primary care physician to see a specialist. Be sure to inquire about this if you need to constantly visit specialists for a medical condition. 

What are the Enrollment and Renewal Processes?

The last thing you want is a gap in your healthcare coverage. Be sure to ask the following questions to ensure that you maintain full coverage. 

  1. When can I enroll? Most health insurance plans typically have a specific period called open enrollment. For plans on the Marketplace, this period is typically once a year and takes place in the fall. Be sure to ask about the specific dates in your plan’s enrollment and if there are special periods that may apply, such as moving or job loss. 
  2. What documents and information do I need to provide? Ensure you have everything you need prepared for when your enrollment or renewal period opens. 
  3. How do I renew my health insurance plan? Be sure to inquire about any deadlines, required paperwork, and changes in coverage or premiums. 
  4. Can my plan be automatically renewed? Ask about any steps needed to ensure that your coverage is automatically renewed, if it can be extended automatically, or if you need to manually renew it every year. 

Give Us a Call if You Have Any Further Questions

Selecting the right health insurance plan requires taking inventory of your needs and careful consideration of factors such as coverage, deductibles, plan type, and network of providers. 

By asking your health insurance broker the right questions, you can ensure that you select the best plan that fits your needs and unique circumstances. 

Your health insurance broker is a valuable resource and can help you swiftly navigate the complexities of health insurance coverage. Don’t hesitate to reach out  to one of Redirect Health’s licensed healthcare consultants for additional guidance and clarification on our plans!


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