1. Health

Your Guide to Health Insurance - How to Get and Manage Your Coverage


Learn how to pick a good health plan and how to use it wisely. Understand how your health insurance works and how to get the most from your health insurance.
  1. Understanding Your Health Insurance
  2. Managed Care - HMOs, PPOs, EPOs & POS Plans
  3. FSAs & HSAs
  4. Saving Money on Insurance
  5. Prescription Drug Coverage
  1. Saving Money on Prescription Drugs
  2. Long-Term Care Insurance
  3. Coverage and Claims Issues
  4. Travel Insurance and Travel Health

Understanding Your Health Insurance

Health insurance can be very confusing. There are many different health plan options and each state has different rules and regulations. Understanding your insurance will help you avoid unexpected costs and hassles.

Managed Care - HMOs, PPOs, EPOs & POS Plans

Most Americans with health insurance have a managed care plan like a PPO or HMO. Learn how these plans work and how to get the most from them.


FSAs and HSAs allow you to sock away part of your income to pay for out-of-pocket medical expenses with pretax dollars. The IRS has strict rules about these plans. Learn how they work and what they can do for you.

Saving Money on Insurance

Health care insurance can be very expensive. There are things that you can do to help lower your health insurance costs, and prevent those costs from going up.

Prescription Drug Coverage

Prescription drug coverage can be confusing especially if your health plan has a drug formulary that only covers certain medications or requires that you use generics.

Saving Money on Prescription Drugs

Drugs can be very expensive and may strain your budget, especially if you have a chronic illness. Whether or not you have health insurance with drug coverage, there are many ways to save money on your medications.

Long-Term Care Insurance

If you have enough resources, it is likely that you will have to pay for your long-term care needs on your own. How you pay for these services depends on what services you need and if you have had the foresight to purchase long-term care insurance.

Coverage and Claims Issues

Depending on your health plan, you may not be covered for certain types of procedures or health conditions. Most health plans only pay for what they define as medically necessary. To avoid claims disputes, make sure that you understand your plan’s benefits.

Travel Insurance and Travel Health

Foreign travel can be rigorous for anyone, given the changes in elevation and climate, and the presence of unfamiliar microbes. In some parts of the world, questionable water quality and sanitation compound the hazards. Be prepared!

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