Is our plan self-funded or fully insured? Who is the plan administrator, and who is the named fiduciary? Can I have the plan document, not the summary?

Is there a centre-of-excellence programme, a second-opinion service, or a case manager for planned surgery or a serious diagnosis?

If the administrator denies a claim, does the company ever review it? Who do I write to?

Have we asked the administrator for our claims data since the 2021 law required them to provide it? What do we pay our largest hospitals as a percentage of Medicare?

What does our pharmacy-benefit manager pay for our ten most-used generic drugs, and what do they cost at a pharmacy without insurance?

What is our broker or consultant paid, and by whom? The 2021 law requires them to tell us.