Questions To Ask About Your Indiana Health Insurance Plan Your choice of a health plan can influence your health. Health plan quality, along with choice of providers, benefits offered and costs, can help you decide on a plan best suited to your needs. Health Plan Stability How long has the plan been in business? How often do doctors leave the plan? What is their rate of disenrollment? Are they financially sound? Cost How much you are likely to pay in premiums, copayments, coinsurance and deductibles each year? Does the plan covers services by providers outside the network and how much it will cost you for these services? What if there are any limits on how much you are responsible for paying in case of major illness (out-of-pocket maximum)? Does the plan places limits on the amount of benefits it will cover (annual or lifetime maximum)? Benefits What types of benefits the plan offers by reviewing the member handbook or calling the member services department? Will the plan meet your special needs and circumstances such as chronic health conditions, elder care needs, frequent travel, language, retirement and starting a family? Is there a good match between the benefits offered by the plan and what you think you may need? What types of care or benefits the plan does not offer? Quality of Care and Service Look to see how ell the plan performs in each section of this report. Pay special attention to the health issues that are most important to you and your family. What are the large differences between this and other plans? Choice of providers Does your preferred doctor, hospital and other providers participate in the plan by looking in the plan’s directory? You can also call the plan’s member services department or the provider directly. Does the plan have enough of the kinds of doctors you are likely to need and whether they are located near your home or work?