Health Insurance: Important 7 thing you need to know before you buy

Check health insurance for exclusions; ensure coverage includes hospitalization, doctor visits, emergency care, prescriptions, mental health, and therapy.

Check if the doctors, hospitals, and providers you want are on the network; Out-of-network care can be costly or not covered.

Compare monthly premiums with deductibles, co-payments, and co-insurance for service-specific cost implications.

The maximum amount you would pay is limited to deductibles, co-payments, and co-insurance; all covered services are fully reimbursed.

If you take medication regularly, check to see if it is covered under the plan or with the cost. Some plans have different numbers of drugs that affect how much they pay.
 

Examine how the system handles pre-existing conditions. Some policies may have a waiting period before covering pre-existing conditions, while others may exclude them altogether.