1. Health

Health Insurance Basics

General information about health insurance. Find out about various types of insurance coverage,what to do if you have been laid off, if you are uninsured, or if you are having a problem paying for health insurance.
  1. Coverage Issues (5)
  2. Explanation of Benefits (4)
  3. Health Savings Accounts (4)
  4. Individual Policies (7)
  5. Job-Based Coverage (9)
  6. Pre Existing Conditions (4)
  7. Travel and Health Insurance (3)

Understand Your Health Insurance: 7 Key Concepts
Don’t be a babe in the woods. Learn 7 key health insurance concepts crucial to understanding your health plan and using it wisely.

What's the Difference Between Copay and Coinsurance?
Don't understand the difference between a copay and coinsurance? Not sure when you have to pay a copay vs coinsurance? Not sure which one will cost more? Think you may have been charged incorrectly? Find the answers here; understand how copay and coinsurance work.

Out-of-Pocket Maximum—How It Works and Why to Beware
Learn how your out-of-pocket maximum works, what counts towards the out-of-pocket limit, and what your health insurance company may still require you to pay after you’ve met your out-of-pocket maximum. Learn what to watch out for in the fine print that could cost you more than you bargained for.

Before You Buy Health Insurance: What You Need to Know When Shopping for...
Learn how to buy health insurance that’s the best fit for you and your family, balancing the money you have to spend with the benefits you need. Don't risk buying the wrong health insurance then discovering you didn't understand the true costs, or won't get the benefits you thought you would. Discover what you need to know when you're shopping...

HMO, PPO, EPO & POSWhats the Difference & Which Is Best?
What's the difference between an HMO, PPO, EPO and POS health plan? See how each type of plan deals with out-of-network care, referrals, pre-authorizations, cost-sharing and more so you can choose the best plan for your situation.

7 Mistakes to Avoid When Using Health Insurance
Using your health insurance? Don’t make these 7 common health insurance mistakes that cost you money or prevent you from getting the care you need.

What's a PPO & How Does It Work??
PPOs are more expensive than HMOs, so make sure you know how a PPO works and how it differs from other health plans when you buy health insurance.

Why Not Wait Until I'm Sick to Buy Health Insurance?
Waiting to buy health insurance until you need to use it? Think you’re saving money? There are three reasons why waiting to buy health insurance doesn't work.

EPO Health Insurance: What It Is and How It Works
Learn what, exactly, an EPO health plan is and how it works. Understanding how an EPO works will ensure you pick a plan that fits your needs and you don't make expensive mistakes when you use your EPO.

Open Enrollment
An open enrollment period for health insurance is typically offered for one or two months a year by many companies to allow employees to make changes to their insurance coverage.

Deductible—What It Is & How It Works
Did you know there are several different types of health insurance deductibles? Find out how each type of deductible works, what counts toward it, and when you don't have to pay it.

Factors to Consider When Selecting Health Insurance
To protect you and your family from the financial burden of sudden or chronic health conditions, it is important to have health insurance. There are many factors to consider and questions to ask when choosing a health insurance plan.

Lost Your Health Insurance? Not Obamacare Open Enrollment? What Now?
Losing your health insurance? Think you cant get a health plan on your health insurance exchange because its not open enrollment? Think again.

Pregnant? No Maternity Insurance? What Now?
If you're pregnant and don't have health insurance, or your health plan doesn't include maternity insurance, use these resources for getting maternity insurance or affordable pregnancy care.

Student Health Insurance - Options for Health Coverage
Going to college is one of the most important things you can do to secure your financial future. But what happens if you get sick or injured while you're there? Accidents and sudden illness can happen to anyone at any time. So it's important to make sure you have health insurance coverage.

Insurance Codes - Learn About Insurance Codes to Avoid Billing Errors
Explanation of Benefits, insurance claim forms, and medical bills from your doctor or hospital can be difficult to understand because of the use of codes to describe the services performed and your diagnosis. It may be useful for you to learn about these codes, especially if you have a chronic health problem.

Deductible vs Coinsurance: What's the Difference?
Learn the difference between deductible and coinsurance so you'll know how much you owe when you use your health insurance.

COBRA Continuation Coverage
If you have been laid off from your job and your former employer has 20 or more employees, the company is required by a 1986 federal law (known as COBRA) to offer you the option to pay for an extension of your health insurance coverage for at least 18 months. COBRA provides you with insurance for you and your family but COBRA can be very expensive.

Deductible vs Copayment—What's the Difference?
Learn the difference between deductible and copayment. See examples of how deductible vs copayment works. Know what you'll owe when you use your health insurance.

Bronze, Silver, Gold & PlatinumUnderstanding the Metal-Tier System
How does the bronze, silver, gold and platinum metal-tier system work? What does it tell you about a health insurance plan? Which metal tier is the best fit for your situation?

Laid Off? How to Keep or Find Affordable Health Insurance Coverage
If you have lost your job, you may be worried about the loss of your employer-based health insurance. To protect you and your family, it is important to try and find some type of health insurance plan during your period of unemployment. Fortunately, if you are handed a pink slip, you do have options to remain insured.

How To Get the Most From Your HMO
Learn how to get the most from your HMO. Maximize your HMO’s benefits when using and when choosing your HMO. Find out how to get the most bang for your buck.

Short Term Disability Insurance
Short term disability insurance pays a percentage of your salary if you become temporarily disabled, which means that you are not able to work for a short period of time due to sickness or injury not related to your job.

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 accounts for more than half the rise. To learn what's responsible, read more.

Cost of Health Insurance
There are many things that determine how much your health insurance will cost you each month. How much health insurance will cost you depends on your age, the condition of your health (how healthy or unhealthy you are), where in the country you live, your income, and your job status.

Medication and Travel - How to Travel With Medications
If you plan to travel to a foreign country, it is important that you provide for your medication needs before leaving. An illness in the middle of your trip can ruin your vacation and cost you money to get needed medications.

How to Evaluate Health-Related Information on the Internet
Do you know how to evaluate the content on a website? If you are looking for information about your health, it is very important to find information you can trust.

Using the Internet to Manage Your Health Information
Learn how Personal Health Records, Electronic Health Records, and electronic prescribing is changing healthcare, and how this will affect you.

Supplemental Insurance - Should I Buy Supplemental Health Insurance?
Supplemental insurance is extra or additional insurance that you can purchase to help you pay for services and out-of-pocket expenses that your regular insurance does not cover. Aside from Medigap policies, three other types of supplemental health insurance are widely sold in the U.S.

Managing Without Health Insurance
No health insurance? Share your story and tell us about how you are managing your family’s health care needs and what you might have learned that could help others.

Negotiate With Your Provider For Healthcare Discounts
Learn more about negotiating with your healthcare provider for discounts, including how to build goodwill and the best way to broach the subject.

Discount Medical Cards
Are discount medical cards a viable alternative to insurance coverage? Find out more!

Mandated Benefits - Understanding Mandated Health Insurance Benefits
A number of health care benefits are mandated by either state law, federal law—or in some cases—both. Although mandates continue to be added as health insurance requirements, they are controversial and may impact health reform legislation.

Looking for Health Insurance Options for Your Small Business?
Strategies for finding employee health insurance for your small business.

Uninsured? Understand Your Risks
Being uninsured is risky. Understand the risks involved and how going without insurance can impact you, your loved ones, and your community.

How an HMO Works
Learn how an HMO works in order to use it effectively and avoid expensive mistakes. If you're choosing a plan, make sure an HMO will fit your needs by understanding how it works before you enroll.

Prepare to Be Uninsured—a Tool Kit for Going Without Health Insurance
Uninsured? Prepare with this tool kit. Get strategies for dealing with the problems you're sure to face before they arise. Learn to decrease the risks associated with going without health insurance.

Health Insurance—What Is It?
Learn what health insurance is and what risks it protects you from. Learn how medical insurance works and is paid for in different parts of the world.

How a Health Insurance Family Deductible Works
Learn how your family deductible works. See examples of how the family deductible works. Know what you’ll owe when you use your health plan so you can budget appropriately.

How the Family Deductible Works in a High Deductible Health Plan
Have a high deductible health plan? Learn how your HDHP family deductible works and how it differs from family deductibles in other health insurance.

What Is Catastrophic Health Insurance?
Learn what a catastrophic health insurance plan is and how it differs from other types of health insurance. Learn what it covers and what to expect.

Catastrophic Health Insurance vs HDHP—Not the Same Thing Anymore
Learn the difference between catastrophic health insurance and a high deductible health plan HDHP. Avoid an expensive mistake; learn before you buy.

6 Things You Need to Know About Catastrophic Health Insurance
Considering catastrophic health insurance? Avoid financial surprises by understanding these 6 things to know about catastrophic health plans.

What You Need to Know Before Getting Out-Of-Network Care
Getting care out-of-network? Learn how to decrease the costs and risks associated with going outside of your health insurance provider network.

What Is a Drug Formulary and How Does It Work?
Learn what a health plan drug formulary is and why it should matter to you. Avoid expensive mistakes by understanding how your formulary works.

Pros and Cons of Health Insurance Automatic Renewal
See the advantages of health insurance automatic renewal as well as why to beware. Learn how to avoid problems caused by health plan automatic renewal

You can opt-out at any time. Please refer to our privacy policy for contact information.

©2014 About.com. All rights reserved.

We comply with the HONcode standard
for trustworthy health
information: verify here.