This might help:
Here's what else to look for in a plan:
• Annual or daily caps on specific types of care or services, like oncology care, or radiation and rehabilitation services. A $30,000 annual cap on cancer services, for example, won't get you far if you need surgery, and $10,000 in annual outpatient services isn't likely to cover a course of radiation.
• Cost-sharing requirements: copayment or coinsurance amounts and coverage limits for routine office visits, specialists, drugs, and hospital admissions. The plan may charge a $25 copayment for a visit to your primary-care physician but increase that to $40 if you see a specialist.
• Generic vs. brand-name drug coverage. "There's a clear emergence of health plans that cover only generic drugs," says Davenport-Ennis.
• Annual out-of-pocket maximum. Make sure you could afford to pay whatever this figure is every year if you get sick, and remember that copayments generally don't count toward the limit.
• Lifetime coverage limit. Many serious illnesses are now considered chronic conditions rather than fatal diseases. With expensive medical treatments, a lifetime coverage limit of $1 million won't be enough for many people.