A health insurance program typically includes physical and mental health programs. Basic coverage includes visits to generalists and specialists.
In addition to the standard coverage, ask a health insurance plan what additional coverage can be purchased. These types of add-ons raise the rate, but could be worth it to employers. For example, typical question to pose to a prospective health insurer include:
Is vision covered? What is covered - eye exam, glasses, contacts, laser vision correction or other procedures?
Can a dental plan be linked to medical coverage or does it have to be bought separately?
Are reproductive services, such as artificial insemination, included or available as an option?
Is there any disease-specific coverage or programs for cancer, heart disease or other illnesses?
How is addiction/substance abuse covered?
How is physical therapy part of the plan’s medical coverage?
