You should also read the plan’s coverage contract, which may be called a “certificate of coverage” or “evidence of coverage.” It explains which services are covered and which are excluded in more detail than the summary of benefits.

No matter which health insurance plan you choose, you want to be sure you will receive quality care. To learn more about health care research and quality visit the Agency for Healthcare Research and Quality at www.ahrq.gov or the National Committee for Quality Assurance at www.ncqa.org.

Is the managed care organization accredited? Many managed care organizations choose to become accredited by one of several independent agencies. Accreditation provides a “seal of approval” and assurance that the organization meets a set of standards.

To find information on your state, call the National Association of Insurance Commissioners at (816) 842-3600 or visit www.naic.org

Before choosing any health plan, make sure that it is convenient for you and your family.

• Where are the physicians’ offices located?
• How easy is it to get an appointment and how quickly can you get an appointment?
• Does the physician reserve some time each day for emergencies or walk-in patients?
• Are the hospitals or other facilities convenient and easily accessible?
• Do you have the option of going to an outpatient facility for certain tests or treatments?

Just because plans offered by different insurance companies provide standard benefits, do not assume that they cost the same. Compare all the costs, including deductibles, co-payments and the benefits provided.

Use the above work sheet and the Comparing Health Insurance Plans Costs work sheet to compare health insurance plans and to identify your out-of-pocket costs for the plan you are considering.

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