---
title: "Choosing a Health Plan: What you should know"
description: Discover 10 Questions Employees Should Ask Their Employers When Choosing a Health Plan.
---

[Proliant Blog ](https://blog.proliant.com)

# [Choosing a Health Plan: What you should know](https://blog.proliant.com/choosing-a-health-plan)

 Written by [ProLiant](https://blog.proliant.com/author/proliant) | Sep 27, 2023 11:45:00 AM

Employees must take into account several factors when they start considering what health plan best fits their needs. To help, we put together a list of questions they can ask their employer before making a final decision.

**1. Has the employer's prescription drug coverage changed?  
**Changes could include new approved drug lists, a rise in cost, or new approval processes that could lead to certain drugs not covered.

**2. What is the current health coverage status for my working spouse or children?  
**If you have coverage for a working spouse, find out if your employer is adding or increasing the amount of an existing surcharge.

**3. Are my preferred doctors and other medical service providers still covered?  
**If your employer changes health insurance companies, plans, or networks, make sure your preferred doctor and hospitals are still accepted. 

**4. Has the employer taken steps to make health care costs more affordable for me?  
**Employers can take steps to help make healthcare more affordable for their employees, including offering high deductible plans, telehealth options, and more.

**5. Has the employer changed administrators for medical benefits?  
**If yes, this could lead to a new telephone number to call or a new process to follow for filing claims or seeking information.

<https://blog.proliant.com/hubfs/01%20-%20Website/1%20-%20Campaigns/Open%20Enrollment/2023/Collateral/Proliant%20-%2010%20Questions%20Employees%20Should%20Ask%20Their%20Employers%20When%20Choosing%20a%20Health%20Plan.pdf>

**6. Is the employer offering new or expanded options for receiving care that might be beneficial to me?  
**New options, such as telemedicine consultations, can be considerably less expensive for employees. 

**7. Has the employer added new or expanded voluntary benefits I might find valuable?  
**These have the benefits of being relatively low cost for both employees and employers. 

**8. Does the employer's wellness plan have new features that can help me manage my health or save me money?  
**Some employers will offer financial incentives to employees who take advantage of such features, such as lifestyle coaching for fitness wearables.

**9. Has the employer added or expanded coverage for complementary or alternative medical services?  
**This includes services such as physical therapy, chiropractic, acupuncture and massage, which many health plans offer minimal or no coverage at all. 

**10. Has the employer added or expanded the use of technology for delivering and managing my benefits?  
**Tech-savvy solutions are gaining traction in assisting you with assessing, choosing, enrolling in, and overseeing your employee benefits.

[View full post](https://blog.proliant.com/choosing-a-health-plan)

```json
{
  "@context" : "http://schema.org",
  "@type" : "BlogPosting",
  "author" : {
    "@type" : "Person",
    "name" : "ProLiant"
  },
  "dateModified" : "2025-09-30T20:29:54.734Z",
  "datePublished" : "2023-09-27T11:45:00Z",
  "headline" : "10 Questions Employees Should Ask Their Employers When Choosing a Health Plan",
  "image" : {
    "@type" : "ImageObject",
    "height" : 2617,
    "url" : "https://www.proliant.com/hubfs/01%20-%20Website/1%20-%20Campaigns/Open%20Enrollment/2023/Blogs/10%20Questions%20Employees%20Should%20Ask%20Their%20Employers%20When%20Choosing%20a%20Health%20Plan.jpg",
    "width" : 5000
  },
  "mainEntityOfPage" : "https://blog.proliant.com/choosing-a-health-plan",
  "publisher" : {
    "@type" : "Organization",
    "logo" : {
      "@type" : "ImageObject",
      "height" : 60,
      "url" : "/hs/hsstatic/content_shared_assets/static-1.4092/img/default-amp-logo.png",
      "width" : 60
    },
    "name" : "Proliant Blog"
  }
}
```