Insurance Basics: Home
High-deductible health plans (HDHPs) have lower premiums than traditional health coverage
Employers offer health coverage to their workers in several ways. Some buy an “off the shelf” plan from a commercial insurance company.
Suppose your insurer won´t pay for a healthcare service, or pays less than you had expected. You have the right to “appeal”, or ask for your case to be formally reconsidered.
Receiving care from a provider in your health plan´s network usually costs you much less than going to an out-of-network provider.
New rules have expanded access to two types of limited health insurance plans. They are association health plans (AHPs) and short-term, limited duration (STLD) health plans. Because they don’t have to follow the Affordable Care Act, these plans can cost less than regular health plans. But, they have limitations you should know.
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?
