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• You are too busy to review insurance statements and bills.
• Your parents or in-laws need help with their coverage and paperwork.
• You have a serious medical condition.
• You've used an out-of-network provider and have large medical bills.
• You are going through a transition that affects coverage, such as leaving a job, turning 65, retirement, divorce, death of a spouse or graduation from college. You don't understand your insurance coverage.
• You've been denied coverage or payment for services.

You want answers to questions about your healthcare coverage or a family member's healthcare coverage such as:

• What is the lifetime maximum of my plan and/or is there a maximum per condition?
• What other benefits, like prescription drugs or therapies have significant limitations or caps?
• What types of penalties might result from not following the plans pre-authorization requirements?
• My retiree coverage is costing more and covering less, is it worth keeping?
• Do I have adequate travel insurance protection when I travel outside the United States?
• When will Medicare cover a nursing home stay?
• Will Medicare cover any services if my mother needs help at home?
• If I lose group benefits, is coverage through COBRA my best option?
• Can I keep my group coverage rather than enroll in Medicare?
• If my child has seen a psychiatrist or psychologist, will that be considered a pre-existing condition and prevent him/her from getting good coverage?