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When you purchase health insurance, shop around online for premium costs, policy coverage limits, and complaint information. How much are hospitalization premiums, and is there a deductible that you must pay out of your pocket in the case of medical treatment? Is there a hospital, physician, and pharmacy network that the policy limits you to, and how large is it?

Your health insurance policy only pays for services that are medically necessary, such as hospital care, visits to your primary care doctor and specialist procedures, like emergency and urgent care, occupational therapy, pregnancy, and required surgery. It also covers lab tests and diagnostic services, like x-rays, ultrasound, and mammograms, as well as preventive and routine care, like vaccines, checkups, mental health care including therapy for autism, and some home care, such as rehabilitation after a hospital stay.