Answer: One of the most prevalent issues in health insurance is that the consumer has not received sufficient education about the plan they have purchased. The responsibility for this education lies very much with the broker who sells the policy in the first place. The consumer also needs to ask a number of different questions, similar to the one you are asking here, to make sure they understand their plan at the point of purchase. Also, as questions crop up once the policy is in place, ideally the consumer would be able to contact their broker with questions or for help with any issues they struggling with. My advice to you would be to speak to an educated broker who cares that you get a plan that both fits your budget and meets your needs.