Educate yourself on every plan you wish to consider.
There is a difference between indemnity plans and HMO’s. Not all HMO’s are going to work in your favor. Many of them will only cover you for a short time.
PPO’s are not always the better way to go.
They will work if you choose someone in the network. Choosing someone out of the network will be an epic fail. Do not always buy into the hype of a PPO. These plans may cost more. The big perk here is it cuts out the middle man when it comes to needing a specialist. This a big sell for many, but it can not be the only sell.
You and your family may not be eligible under the plan. Some plans look good on paper only. This where it all ends. Make sure your plan looks good on paper and in real life.
Limits in coverage tend to be a big drawback for many.
Please make sure your coverage is not being limited in any way. Some make the cap after one year. Some make the cap during the short span of a person’s life. Check up on this. You do not want to go in for a procedure, only to find out it is not being covered.