Does the company put a cap on lifetime benefits?  Many companies will only pay up to a set dollar amount – generally $1 million.  This might sound like a lot now, but when you or a loved one are involved in a catastrophic event or develop a life-threatening illness, $1 million will look like pocket change compared to your hospital bill.

Look for an insurance policy that offers comprehensive coverage – including preventative doctor’s visits, hospitalization, and prescriptions.  You don’t want to discover your doctor has prescribed a drug that has no generic counterpart and costs you an arm and a leg.

Look at the insurance company’s list of allowable charges.  These are charges they’ll cover – sometimes only with a call beforehand to notify them of an impending procedure.  You want to have your doctor look it over, too, to make sure the list is comprehensive in comparison to what doctors normally charge patients.

Your mental health can directly affect your physical condition, so you want to make sure your health insurance also covers more than half of those costs, should you need to begin seeing a specialist in the mental health field.