Insurance Basics: Home
A new way of getting healthcare is becoming common. Called telehealth or telemedicine, it lets people get healthcare without traveling. Telehealth uses electronic devices such as phones and computers to deliver healthcare services and clinical information across distances.
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.
To get the best care, it helps if you and your doctor make decisions together. The process is called "shared decision making." This article suggests ways to talk to your doctor about three common health problems where there may be no clear, "right" option. They are uterine fibroids, type 2 diabetes and low-risk prostate cancer. These are examples of preference-sensitive conditions.
Flexible spending plans let you set aside money from your paycheck. You can use it to pay for care before meeting your deductible, and for copays and coinsurance afterward.
High-deductible health plans (HDHPs) have lower premiums than traditional health coverage
If you´re an immigrant, getting healthcare in the United States may seem complicated. It may also be hard to get health insurance, which can help you pay for the healthcare you and your family need.
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