Insurance Basics: Home
Your employer may offer more than one health plan, or you may be shopping for your own individual plan.
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.
Many insurers offer different types of plans. The costs, coverage and rules differ for each
Medical supplies and equipment, such as bandages and wheelchairs, and ambulance rides are often listed separately on bills and Explanation of Benefits (EOB) forms.
Healthcare proxies and advance healthcare directives can help you plan your care if you ever lose the ability to communicate clearly.
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."
Do You Need Help?