How do I determine what kind of benefits I need?

This is an individual question based on your unique needs and lifestyle. To best answer this question for yourself, determine what health services you are likely to participate in in the coming year. You can look back to the past, your health history, your age-related concerns for screenings you may need, and any current medical care you receive. You will be looking at other factors, too, such as what your budget allows in terms of monthly premiums and out-of-pocket costs.