What To Look For In A Good Health Insurance Plan? 
The definition of `` good '' varies from person to person and business to business . However , here are some of the aspects of a health insurance policy I advise my clients to be aware of and comfortable with : 1 -RRB- Are the doctors , hospitals and pharmacies you want to use in-network providers with the health insurance plan you are considering ? 2 -RRB- What would your coverage be -LRB- if any -RRB- if you want to use a health care provider who is not an in-network provider with the health insurance plan you are considering ? 3 -RRB- What is the pharmacy benefit under the health plan you are considering ? And , if you have specific prescription drug needs are they covered under the health insurance plan 's prescription formulary and to what extent are they covered -LRB- copays , co-insurance , deductible & co-insurance -RRB- ? 4 -RRB- Does the health insurance plan allow its members to go directly to specialists such as cardiologists or does it require that you are referred to a specialist by your primary care physician first ? 5 -RRB- If you travel regularly outside of your home area -LRB- to other states or outside the USA -RRB- does the health plan provide for coverage outside of your home service area in the event you need non-emergency care ? 6 -RRB- Is the health insurance company you are considering a well established national or regional health insurance carrier with strong finances or is it one of the new , experimental Co-Op health plans recently established under the provisions of ObamaCare ? 7 -RRB- Does the overall value proposition of the health insurance plan you are considering meet your current and anticipated needs ? In other words , does its monthly premium , coverage levels and provider network really work for you . 