Begin with a hypothetical future condition, rather than expecting a new policy to fund treatment already recommended. Describe the care in three stages: assessment, treatment and recovery. A comparison that checks only “surgery covered” can miss consultation charges, medicines and prescribed rehabilitation.
For a Connecticut resident who expects to use a referral service outside the state, identify the actual practice and location. Ask the insurer about treatment territory and practitioner requirements. Your Connecticut residence establishes the offer to request; it does not by itself answer every out-of-state treatment question.
| Stage | Question to put to both CT offers |
|---|---|
| Assessment | Are the specialist consultation and diagnostic services separately eligible? |
| Treatment | Which procedure, hospitalization and prescribed-drug expenses are included? |
| Recovery | Does prescribed rehabilitation require an option, and are there service or practitioner limits? |
| Payment | What must the clinic collect before the insurer reimburses you? |