For example, does the polciy supply an yearly physical examination benefit? What's the process for receiving care by experts? Do you need a referral from your first care supplier ( characteristic for HMO's ) or can you self-refer ( option for PPO's, and conventional indemnity plans )? How is hospitalizing and emergency care handled? What kind of prescription drug benefit is included? You may also need to inquire as to any vision and dental benefits that might be included with your folks health care insurance coverage? Regularly these last 2 benefits, if available, are supplied thru and underwritten by a different insurer than the one providing the healthcare insurance.