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Default Vlookup and Hlookup

I am trying to figure out something that may be very simple, but I am not
getting it. I want Vlookup to look at two things to bring back an answer.
Here is my example

HMO PPO DENTAL VISION
EE 10.00 12.00 5.00 5.00
EE+Sp 15.00 20.00 10.00 10.00
EE+Ch 12.00 15.00 7.00 7.00
EE+Fa 20.00 30.00 15.00 15.00

How do I have excel look at the top to see what insurance I am looking for,
then read the side to see what the coverage is and then give me the
corresponding amount?
 
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