If you can't find the answer, or you don't like the answer you get, move on to another brochure. A. Different types of plans have different rules about which doctors you can see. Ask to see a list of participating doctors. Others require an authorization that is based on the referral being medically necessary, according to your primary care physician's judgment. If you take medications, prescription coverage is important.
Some plans also have different pre-existing condition restrictions.
Read the fine print. A. Check your plan for coverage of routine check-ups, screening tests and prenatal educational classes. A. Plans vary in the coverage of periodic check-ups, immunizations and school physicals. Indemnity plans usually require you to do the claim form paperwork. First, start with a plan that offers coverage to match your needs.