Questions YOU should ask when you choose a Health Insurance Company

1. Do I need a primary care physician (PCP)?
   
2. Do I need to see my PCP before I see a specialist?
3. Do I need a referral from my PCP to see another physician?
   
4. May I choose any specialist or is my choice limited to a specific list?
5. May I have surgery at the Hospital of my choice or am I limited to a specific faciliy?
6. Do I need a refferal for surgery?
7. Is there a co-pay involved for office visits?
8. Is there a deductible involved with the insurance policy?
9. Is there a requiresment about where I have my diagnostic test performed?