Using Worksheet $9\mathrm{.}1$ in your textbook $($page $363)$ research then compare $2$ different health policies $($perhaps you are covered by one, perhaps you have a full or part time job that offers another, etc.$).$ List the $3$ categories that stand out to you for each policy.

What do you think is the most important service or category to consider when choosing a plan?

Health Insurance Checklist

Here is a convenient checklist for comparing the costs and benefits of competing health care plans. Check those services listed in the first column that are most important to you, determine how these services are handled in each policy, and then write in the co$-$insurance or co$-$payment rate and any limits on service under each of the different policy columns. The most important covered service is hospital care.

Most plans reimburse you for reasonable and customary surgical expenses based on a survey of surgical costs during the previous year. They may also cover anesthesia, nonemergency treatment using imaging, and a limited allowance for diagnostic tests. Some plans still pay according to a schedule of benefits, reimbursing up to a fixed maximum for a particular surgical procedure. For example, the policy might state that you would receive no more than $$1,500$ for an appendectomy or $$1,200$ for diagnostic arthroscopic surgery on a knee. Scheduled benefits are often inadequate when compared with typical surgical costs. Most elective cosmetic surgeries, such as a "nose job" or "tummy tuck," are typically excluded from reimbursement unless they are deemed medically necessary.