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Are
you considering a new health plan
Are you wondering how yours rates?
. . . . Health Plan Features and Services Checklist. . . .
This checklist
is provided by the El Paso County Medical Society to help you compare
various plans, or summarize your current plan. You may wish to save it
to your hard drive or print it off the screen.
As you make notes,
try to be as specific as possible. If a certain plan has a deductible,
how much is it? If a service is covered, are there any restrictions that
apply? For example, a plan may cover acupuncture but limit the number
of treatments. If there are additional features or services that are important
to you, be sure to add them to the list and compare how they are covered
under each plan you are considering.
Features

|
| |
Plan A |
Plan B |
Plan C |
| Approval
Needed for Services |
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| Which
Services? |
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| Pre-authorization? |
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| Referral? |
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| Claim
Processing Time |
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| Co-Payment |
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| Deductible |
|
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|
| Liability for
Accuracy |
|
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| Maximum
Annual |
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| Maximum
Benefits Paid |
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| Monthly
Premium |
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| Network Doctors |
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| Out-of-Network
Doctors |
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| Out-of-Pocket
Expense |
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| Travel
Coverage |
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| Waiting
Period for Pre-Existing |
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| Other Features |
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| Other Rules or
Limitations |
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Services

|
| |
Plan A |
Plan B |
Plan C |
| Acupuncture |
|
|
|
| Alcohol and Drug
Abuse |
|
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| Ambulance |
|
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| Chiropractic |
|
|
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| Durable Medical
Equipment |
|
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| Emergency Services |
|
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| Eye Examinations |
|
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| Eyeglasses or
Contact Lenses |
|
|
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| Home Health Care |
|
|
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| Hospice Care |
|
|
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| Immunizations |
|
|
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| Infertility Treatment |
|
|
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| Inpatient Treatment |
|
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| Mammograms |
|
|
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| Mental Health
Counseling |
|
|
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| Outpatient Treatment |
|
|
|
| Organ Transplants |
|
|
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| Osteopathic Manipulation |
|
|
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| Pap Tests |
|
|
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| Physical Exams
or Checkups |
|
|
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| Physical Therapy |
|
|
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| Plastic Reconstructive
Surgery |
|
|
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| Prescription
Drugs |
|
|
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| Skilled Nursing
Facility |
|
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| Speech Therapy |
|
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| Sterilization |
|
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| Well-Baby Care |
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| Other Services |
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