If you have regular prescriptions, or if you’re planning some travel where you're going to need antimalarials -- something that can get pricey -- you may want to check out the prices before you sign up to pay five times as much in premiums and copays.
Excluding certain conditions or circumstances from coverage
Health insurance companies are kind of infamous for exclusions, which are conditions and treatments that they just won't pay for. Things used to be pretty bad before the Affordable Care Act, where they could say they wouldn't pay for illnesses you had before you bought the plan, otherwise known as pre-existing conditions. Say you're seeing a neurologist and taking prescription meds for migraines, then you get a new job and have to switch insurance plans. The new plan used to have a right to say they straight-up wouldn’t cover that treatment anymore.
Really... ? Because last time I checked, people’s bodies don’t exactly sync up with when they change their insurance coverage.
Now, thankfully, the worst your insurance can do is have a waiting period of some months before they'll help you out with your migraines -- that still sucks, but in the long term, they’re paying. However, they can (and usually will) entirely exclude some treatments from coverage, alternative medicine in particular -- like if you’re getting the migraines treated with acupuncture. Exclusions are spelled out in your policy (in fine print, naturally). Zooming in is worth it.