(CNN)If you're wondering how to get back to in-person religious services, CNN Medical Analyst Dr. Leana Wen recommends thinking about it like your finances.
Just like a financial budget helps you figure out what your spending limits are, a "coronavirus budget" can help you figure out where your boundaries are in terms of potentially risky activities -- including religious services, she said.
"If going to church is the most important thing and, unfortunately, people at church are of unknown vaccination status (and) all close together without masks, somebody who is unvaccinated could still decide 'That is the most important thing to me, so I'm going to continue doing this one activity,'" said Wen, an emergency physician and visiting professor of health policy and management at the George Washington University Milken Institute School of Public Health. "'But I'm not also going to go to an indoor restaurant.'"
Some churches, synagogues, mosques and other houses of worship have been offering virtual or outdoor services.
At in-person services inside, both vaccinated and unvaccinated people should "follow local public health measures as well as the rules put in place by the individual houses of worship. These may vary so it will be important to check before attending a service," said Dr. Ada Stewart, a family physician with Cooperative Health in Columbia, South Carolina, and the president of the American Academy of Family Physicians.
Try to sit near an open window or door, or choose a service in which people tend to sing less, Wen said. Singing can require making your voice louder and more forceful, which would increase the risk of spreading coronavirus through the air. Before and after the service, wash your hands with soap and warm water for at least 20 seconds, or use hand sanitizer.
Houses of worship can also use stationary collection boxes for offerings instead of passing a basket, or accept contributions online. If food is offered at or after services, choose pre-packaged foods instead of buffet or potluck meals, if possible.
For unvaccinated children older than 2, "there should be enforced masking at all times, ideally (6-feet) distancing," she said.
"Outside is much better than inside," Wen added. "If it's inside, at least have it be in a well-ventilated space. We should consider Sunday school to be the same as regular school, which is that transmission can be quite low if the proper mitigation measures are followed."