If you have been interviewed and offered a position with a company, there are certain

things that you may need to consider before accepting their offer, as follows:

1.  Is health insurance offered, and if yes, who pays for it and in what portion. (e.g. Does

the employee pay half and the employer pay the other half?)

2. What is the cost, the amount of deductible and is it deducted from my paycheck?

3. When does coverage begin and what are the  restrictions and limitations?

4. Is there a provision for pre-existing conditions and do I have an option for family coverage?

5. Does the company offer short-term and/or long-term disability coverage?

Since health care insurance  can be a large portion of your overall benefits plan,

it is important to know in advance just how complete your coverage is before you commit.