What this worksheet is for
Use this before replacing a policy so new exclusions do not surprise you.
Keep the quote, sample policy, carrier email, or claim notice beside the worksheet so every answer can be tied to actual policy language.
Fields to complete
- New carrier effective date
- Old policy cancellation date
- New waiting periods
- Conditions already documented in the medical record
- New pre-existing-condition definition
- Continuity or transfer provisions, if any
- Coverage differences in dental, rehab, prescriptions, and exam fees
- Written comparison of what you would lose or gain
Decision notes
| Question | Your note |
|---|---|
| What could make you choose a different plan? | |
| Which term still needs written clarification? | |
| Which document should you save before proceeding? |
Before you rely on the answer
Verify any unclear term in the current sample policy or with the carrier. If the issue involves a complaint or insurance regulation, use your state insurance department as the regulator starting point.