01
Put the documents side by side
For comprehensive medical options, request the Summary of Benefits and Coverage when applicable. For other products, request the full policy and benefit schedule; do not assume the same protections or limits apply. Use the same questions for every option so you can spot meaningful differences. Keep a copy of the full policy documents, too.
02
Make a comparison list
Write down the monthly premium, deductible, copays, coinsurance, and out-of-pocket limit. Then list the doctors, facilities, and prescriptions you want to check. A lower premium alone does not tell you which option fits.
03
Ask about the exceptions
What services are excluded? Are referrals or prior authorization required? How does out-of-network care work? Ask for written answers and confirm when coverage would start before replacing a current plan.
Further reading: HealthCare.gov: comparing plans