If you or anyone in your family will need care for the elderly. Care for family members who travel a lot, attend college, or spend time at two homes. After you review what benefits are available and decide what is important to you, you can compare plans. Many things should be considered. These include services offered, choice of providers, location, and costs.
Services Look at the services offered by each plan.
Find out what types of care or services the plan won't pay for. These usually are called exclusions. Few indemnity and managed care plans cover treatments that are experimental. Ask how the plan decides what is or is not experimental. Find out what you can do if you disagree with a plan's decision on medical care or coverage.