Health Insurance FAQs
The Cost of Health Care—Why Is Health Care So Expensive?
Why is the cost of health care so expensive? Why does the cost of health care increase faster than inflation? A single cause underlies more than half the rise in the costs. To learn what's responsible, read more.
Healthcare Reform Controversy FAQs
These frequently asked questions about Obamacare address controversial aspects of healthcare reform by the Affordable Care Act.
What's the Difference Between Copay and Coinsurance?
Don't understand the difference between copay and coinsurance, or when you have to pay a copay vs coinsurance? Not sure which one will cost you more? Suspect you've been overcharged? Find the answers here, and understand how coinsurance and copays work.
Are Health Insurance Premiums Tax-Deductible?
If you're self-employed, the answer often is yes -- the premiums you pay to cover yourself and your dependents probably are tax-deductible. They are not, however, if you, your spouse or your dependents are covered by another employer's group plan.
What Is a Drug Formulary?
A drug formulary is a list of generic and brand name drugs that are preferred by your health plan. Since your health plan may limit the medications it will pay for, it is important for you to understand your health plan's drug benefit and formulary.
HMOs vs. PPOs: What Are the Differences Between HMOs and PPOs?
The most common types of managed care plans are health maintenance organizations (HMOs) and preferred provider organizations (PPOs). Less common are point-of-service (POS) plans. Learn the differences between HMOs, PPOs, and POSs.
Why Are Medications Cheaper to Buy in Canada?
Canadian drugs are cheaper than in the U.S., especially for newer brand name drugs. Canadian drugs are less expensive for many reasons, including government controls, drug formulary restrictions, liability issues, and market forces.
I Might Be Laid Off Soon. Should I See My Doctor Before I Lose My Insurance?
Many people who anticipate losing their coverage wonder if they should try to make the most out of their plan before it's gone. Find out why this may not be such a good idea.
Medicare Frequently Asked Questions
Medicare is a federal government program that provides health insurance for people age 65 and older, people with disabilities, and people requiring dialysis or a kidney transplant. The Medicare program is made up of several "parts" that offer various benefits, including hospital insurance Part A), medical insurance for doctors' services (Part B)…
Generic Drugs - Can I Save at Walmart and Other Big-Box Stores?
Generic drugs can save you up to 80% on the cost of your medication. Big-box stores such as Walmart and target have generic drug programs, which offer a 3-month supply of many generic drugs for $10.00.
Will My Health Insurance Cover Clinical Trials?
Learn more about health insurance coverage of clinical trials.
Where Can I Find a Free Clinic?
Learn about how to find a free health care clinic.
I Missed My Job-Based Benefits Open Enrollment Period. What Can I Do?
Learn more about open enrollment, and what you can do if you miss your plan's open enrollment period.
How Do I Enroll My Child In My Job-Based Health Plan?
Learn more about how to enroll your child in your job-based health insurance plan.
How Do I Obtain Charity Care?
Learn about how to obtain charity care for free or a reduced cost.
Is Catastrophic Health Coverage Right For Me?
Learn more about whether catastrophic coverage might be right for you.
I've Never Had a Cavity. Do I Need Dental Insurance?
When looking to cut costs, dental insurance may be something you consider nixing from your budget. Not so fast. Learn about why it may be worthwhile to have dental insurance, even if your teeth are healthy.
What is Medical Tourism?
Learn more about medical tourism and whether it might be right for you
Is My Individual Insurance Policy Required To Cover Mental Health Benefits?
Learn about coverage of mental health benefits in the individual market.
Other Options for Health Insurance
Where to look for health insurance if you do not have it through your job.
Customary and reasonable costs
What does "customary and reasonable" cost mean, and how will it affect payment for healthcare services?