Insurance Basics: Home
Skipping health insurance may seem like you’re saving money in the short run—especially if you’re young and healthy. But the cost of getting care without health insurance can be more than you expect. An unforeseen hospital stay, for example, can cost you tens of thousands of dollars.
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.
Your plan may have different rules and costs for different healthcare settings. In any setting, you may have to pay a copay, and in some cases, coinsurance. But, these may be waived for preventive services like flu shots and mammograms.
Most health plans cover medically necessary visits to an eye doctor. Sometimes they cover routine eye exams too, but to get complete vision coverage you may have to go to other sources. This article will tell you about those sources.
Since providers are able to decide how much to charge for out-of-network care, sometimes that charge might be higher than you expected.
If you´ve been diagnosed with a chronic condition, this article will give you some guidelines to help manage your care and costs. In it you will learn how you can get help to:
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