10 health insurance questions to ask before accepting a job
Posted: JUL 1, 2019
For many people, a self-initiated job change is primarily about the role you’ll have and the pay you’ll receive. But the type of health insurance options available should also be a key factor when you’re considering a job offer. Health insurance can get pretty complex at times, so we’ve put together a list of the top questions you should ask. You’ll get guidance on questions on the following topics:
- Plan types like HMOs and PPOs, plus dental and vision coverage
- Waiting periods
- Costs of employee and family premiums contributions, copays, coinsurance, and deductibles
- Providers and networks
- Where you’ll be covered if you’re travelling
- Coverage for pre-existing conditions
- Coverage for dependents and spouses
- Flexible spending accounts (FSAs) and health savings accounts (HSAs)
Is it an HMO or a PPO?
Is there a waiting period?
Will I pay a monthly premium?
What are the copays, coinsurance, and deductibles?
Are dental and vision coverage included?
What are the healthcare providers and networks I can use?
Where will I be covered?
Will it cover pre-existing conditions?
Will it cover dependents or my spouse?
Do you offer an HSA and/or FSA?
Think of this list as just a top 10 of the many questions you can ask — and should ask — as you’re considering a new job and evaluating health plans.
Many HR departments have helpful documents that let you see plan details side by side so you can compare them and find the plan that’s right for you. These documents should also outline other health-related perks that you might not expect, including massage therapy, acupuncture, and even pet insurance.
Your new employer’s HR department will want to help you make the right decision the first time, so don’t shy away from asking them about what you need to know.