Honed Proof
Will your doctors and drugs be covered?
The #1 surprise in a new health plan is finding out your doctor or prescription isn't covered. Build your must-keep list first, then check each plan against it.
Your must-keep list
01 / LISTPlans to compare
02 / PLANSCheck coverage
03 / CHECKAdd at least one doctor or prescription and one plan to start checking.
Your list stays in this browser only. Nothing is sent anywhere.
Build your list to compare
Add the doctors and prescriptions you can't lose, add up to three plans, then check each one against your list.
COVERAGE COMPARISON
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Scorecards
Coverage score = share of your must-keep list each plan keeps. Unknowns score zero — verify them.
Side-by-side
Every item, every plan.
What this means
Before you enroll — verify
- Check the insurer's provider directory for each doctor, and the plan's formulary PDF for each prescription. Then call to confirm — online directories go stale.
- In-network ≠ covered. A doctor can be in-network while a specific treatment still needs prior authorization, a referral, or step therapy.
- Tier affects your cost. Tier 1 is the cheapest copay; Tier 4 (specialty) can mean high coinsurance. Check what each tier costs under the plan, not just whether the drug is listed.
- Re-check every open enrollment. Networks and formularies change year to year — a plan that covered everything last year may not this year.
Comparing costs too?
- Coverage is only half the question. Try the HDHP vs PPO Calculator → to compare what each plan type costs you over a year.