health insurance

I am helping my aunt to sign up for her health insurance provided by her new employer. For Short-term/Long-term disability, what are some things to look over?

Insurance policy entitles me to coverage for elective in-network sterilization services, but they denied coverage for everything relating to my elective sterilization (bilateral salpingectomy) & cystectomy performed during the same surgery despite surgeon & facility being in-network. (OH, USA)