Insurance Basics: Home

Choosing a Health Plan

Your employer may offer more than one health plan, or you may be shopping for your own individual plan.

Choosing a Health Plan
High-Deductible Health Plans

High-deductible health plans (HDHPs) have lower premiums than traditional health coverage

High-Deductible Health Plans
How to Review Your Medical Bill

After you visit a provider, you may get a bill telling you how much you have to pay.

Insured and Self-Insured Plans

Employers offer health coverage to their workers in several ways. Some buy an “off the shelf” plan from a commercial insurance company.

Out-of-Network Docs at In-Network Facilities

Suppose you receive care in a hospital that is in your health plan´s provider network. You may still get a bill from providers who treated you at the hospital but are not part of your plan´s network.

Getting Covered for Alternative Medicine

Acupuncture, chiropractic care and massage therapy have one thing in common: They may not be covered by insurance. That’s because they may be looked at as alternative treatments, not part of conventional medical care.

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IN AND OUT OF NETWORK

When Out-of-Network Care Can Be Covered in Network
PLAN COSTS

Flexible Spending Plans
YOUR RIGHTS

Appealing a Reimbursement Decision
KNOW BEFORE YOU GO

Choosing Your Healthcare Provider In-Network and Out-of-Network Care