Insurance Basics: Home

Types of Health Plans

Many insurers offer different types of plans. The costs, coverage and rules differ for each

Types of Health Plans
How to Deal with COVID-19 Medical Costs

Thanks to a law passed in the spring of 2020, most Americans can be tested for COVID-19 for free. But that law didn’t make treatment for the virus free. Medical services for COVID-19 can be costly and sometimes run into tens of thousands of dollars. Whether or not you’ve been diagnosed with COVID-19, you can take steps now to understand your protections under the law and manage the costs of your treatment.

How to Deal with COVID-19 Medical Costs
In-Network and Out-of-Network Care

Your plan contracts with a wide range of doctors and other practitioners, as well as hospitals, labs, radiology facilities, pharmacies and other providers. These are the providers in your “network”. Each of these providers has agreed to take your plan´s contracted rate as payment in full for services.

Experimental Treatments and Clinical Trials

Most health plans don´t cover treatments they regard as “experimental”. Sometimes, they may deny a claim for such a treatment.

Getting Care from a Medical Home

A medical home is a type of doctor´s practice that uses a team to focus on the “whole person”. It is sometimes called a patient-centered medical home (PCMH).

Estimating Costs for a Hospital Stay

Are you planning a medical procedure that requires an overnight hospital stay? Do you want an idea of how much the stay will cost in your area?

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IN AND OUT OF NETWORK

When Out-of-Network Care Can Be Covered in Network
PLAN COSTS

Flexible Spending Plans
YOUR RIGHTS

Appealing a Reimbursement Decision
KNOW BEFORE YOU GO

Choosing Your Healthcare Provider In-Network and Out-of-Network Care

Did You

Know

If you visit a doctor who doesn´t take your plan, your insurer might not pay.

Did You

Know

If your health plan paid less than you expected, you can use your cost estimate to appeal.