Consumer Checklist for Allergy and Asthma Benefits

Questions to ask when choosing a health plan:
Will I have access to a specialist?
Can a specialist be seen for:  
Asthma?
Allergic rhinitis (hay fever)?
Eczema or other skin allergies?
Food or drug allergies?
Allergies to insect stings?
Recurring infections caused by immunodeficiencies?
Can a specialist be seen for ongoing care after asthma or allergy has been diagnosed?
Is there a limit on the number of visits or frequency of visits for professional care?
Is there access to diagnostic tests you may need, such as a lung function test?
Are there restrictions on which medications your doctor can prescribe?
Is there access to treatments such as allergy shots (immunotherapy)?
Is there access to newer advanced therapies such as anti-IgE?
Are tests and treatments affordable?
Are co-pays for tests or treatments by a specialist higher than co-pays for non-specialty care?