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Reviewing Your Family’s Health Insurance Coverage: Questions to Ask

​A health insurance coverage review should be conducted annually to verify that your family is protected both medically and financially.


The questions below can help in your plan review, with special consideration for your children’s care.

  • Do I have to get a referral from my child’s primary care pediatrician or employee assistance program to receive specialty pediatric services, such as ADHD?
  • Are there limits defined by the insurance plan as to what I can have my primary care pediatrician treat?
  • Is there a preferred list of providers or network that I must see? What happens if I want my child to be seen by someone outside of the network?
  • Is my current pediatrician on the preferred list of providers? Are the pediatric specialists that my pediatrician prefers to make referrals to on the list of network members?
  • Are there limits on the number of visits?
  • What are the copayments and deductibles that I must pay under my plan?

Additional Resources

Last Updated
American Academy of Pediatrics (Copyright © 2013)
The information contained on this Web site should not be used as a substitute for the medical care and advice of your pediatrician. There may be variations in treatment that your pediatrician may recommend based on individual facts and circumstances.
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