Insurance Basics: Home
Your employer may offer more than one health plan, or you may be shopping for your own individual plan.
Many insurers offer different types of plans. The costs, coverage and rules differ for each
Doctors and insurers use standard codes for each medical service or supply. That helps them communicate about treatments and payments clearly.
Health insurance protects you from paying the full cost of your care. But, you will likely still have to pay some money out of your pocket. Almost all plans call for “cost sharing”. That means your insurer pays for part of your care, and you pay for part.
If you have an ongoing illness or need a complicated procedure, it’s a good idea to get an FH Total Treatment Cost estimate.
Being covered under two health plans doesn't mean the two plans will pay the same amount twice for the same doctor visit. Instead, the plans follow rules about which plan pays what, known as "coordination of benefits."
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