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Health Insurance: Most Popular Articles

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HMO, PPO, EPO, POS... What's the Difference and...
Learn how HMO, PPO, EPO & POS health plans differ. Understand how each type of health insurance works so you can choose what's best for you.
What's the Difference Between HMO and PPO...
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 that combine the features of an HMO and a PPO. Learn the differences between HMOs and PPOs.
Are You Eligible for Your State's Medicaid...
Medicaid is a joint program of the federal and state governments to provide health coverage to the poor and people with disabilities. Each state has different Medicaid eligibility requirements, but as a general rule, children and pregnant women are given priority.
Why You Should Beware of Your Out-of-Pocket...
Learn how your out-of-pocket maximum works, what counts towards it, and what you're still required to pay after you've met your out-of-pocket limit.
EPO Health Insurance—How It Compares to...
Don't know the difference between an EPO and a PPO or HMO health plan? Compare EPO vs HMO and EPO vs PPO health insurance. Learn how an EPO differs.
How Much Does COBRA Health Insurance Cost?
Need to know how much COBRA costs? Learn to calculate your COBRA health insurance premiums and why COBRA costs more than job-based health insurance.
Copay Vs Coinsurance —What's the...
Not sure when you pay coinsurance vs copay? Not sure which costs more? Learn the difference between copay and coinsurance and what to watch out for.
What's the Penalty If You Don't Have Health...
How much is the penalty for not having health insurance? Learn to calculate your penalty. Don't rely on estimates that can be off by thousands.
What Is Short Term Disability Insurance and How...
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.
Is Health Insurance Tax Deductible?
Some health insurance is tax deductible; some isn't. Learn the ins and outs of health insurance as a tax write-off. Find out if you can save on taxes.
How to Get Medicare Coverage if You're Under 65
Medicare won't be available to most of us until we turn 65. If you can establish that you suffer from a long-term disability that prevents you from working, you may qualify for monthly Social Security Disability Insurance (SSDI) payments and for Medicare.
How Your Family Health Insurance Deductible Works
Learn how the family deductible works for health insurance. See examples. Understand clearly what you'll owe when you use your health plan.
How the Health Insurance Subsidy Works—a...
Need help paying for health insurance? Learn how the premium tax credit health insurance subsidy can works, how to apply, and how much you'll get.
What You Should Know About Medicare Part B
Medicare Part B, also known as the Medical Insurance program, helps cover the costs of medical services, such as your doctor's care and prevention services for the early diagnosis and treatment of illness. If you are 65 or older, you are automatically eligible for Medicare Part B.
Should You 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.
How to Survive Florida's Medicaid Share of Cost...
Have Florida Medicaid Share of Cost? Learn to maximize its benefits without going broke. Use it incorrectly; you'll pay more and miss out on coverage.
What's an Embedded Deductible & How Does It...
Learn what an embedded deductible is and how this type of family health insurance deductible works.
Deductible vs Copayment—What's the...
Learn the difference between a health insurance deductible and copayment. See how a deductible works differently than a copay. Know what you'll owe.
Pre Existing Conditions - Understanding...
A pre-existing condition can affect your health insurance coverage. If you are applying for insurance, some health insurance companies may accept you conditionally by providing a pre-existing condition exclusion period.
Do You Really Understand How Your Deductible...
Find out how your deductible works, what counts toward it, and when you don't have to pay. Learn the different types of health insurance deductibles.
Learn About HMOs, PPOs, and Other Types of...
Most Americans who have health insurance through their employer (and many who are self-insured) are enrolled in some type of a managed care plan. Managed care plans include health maintenance organizations (HMOs), preferred provider organizations (PPOs), and point of service (POS) plans.
Understanding What Your Doctor's Written
Your doctor uses abbreviations (based on Latin words) that tell your pharmacist which medication to give you and directions on how to use that medication. Learning to read a prescription immediately after your doctor writes it will help make sure that you know what medication you are getting. It will also give you a chance to ask questions about your doctor’s instructions.
Here's What You Need to Know About the Medicare...
The donut hole, or coverage gap, is one of the most controversial and confusing parts of the Medicare Part D prescription drug benefit and of concern to many people who have joined a Part D drug plan. Understanding the donut hole will help you choose a Medicare Part D drug plan.
COBRA Vs Obamacare—Which Should You Choose?
Choosing between COBRA and health insurance from an exchange? See how COBRA compares to Obamacare so you can decide which is the better one for you.
Dental Insurance: Beyond Medical Coverage
Dental insurance is meant to help cover some of the costs associated with your dental care. Although regular dental services, including regular checkups and preventive services, such as cleaning, is relatively inexpensive, dental procedures such as dental implants and crowns are expensive.
Frequently Asked Medicare Questions
Medicare is a federal government program that provides health insurance for people age 65 and older,
What Is an Out-of-Pocket Maximum?
Learn the meaning of the term “Out-of-Pocket Maximum” from your About.com Guide to Health Insurance.
Learn About Insurance Codes to Avoid Billing...
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.
Find Out if a Medicare Advantage Plan Is Right...
Although most people with Medicare get their health benefits from Original Medicare (Parts A and B), you can choose to get coverage from a Medicare Advantage Plan, sometimes called Medicare Part C. These plans are offered by private health insurance companies that are approved by Medicare and have a contract to provide you with Medicare benefits.
How To Get Help Paying for Health Insurance
Can't afford health insurance? Learn about financial aid and subsidies to help pay for health insurance. See if you're eligible; learn how to apply.
Bronze, Silver, Gold & Platinum—Under...
Learn how the bronze, silver, gold & platinum system works and what it tells you about a health plan's value. Find out which tier is best for you.
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.
Writing Off Medical Expenses as a Tax Deduction
Want to lower your income taxes by writing off your medical expenses? Here’s what you need to know about the tax deduction for medical expenses.
Medicare Part A - Understanding Medicare Part A
Medicare Part A, also known as the Hospital Insurance program, helps cover the costs of inpatient care in hospitals. Learn more about how to qualify.
I Missed My Job-Based Benefits Open Enrollment...
Learn more about open enrollment, and what you can do if you miss your plan's open enrollment period.
What Is Open Enrollment for Health Insurance?
Learn what health insurance open enrollment is and how it works. Find out why open enrollment periods exist and what happens if you miss yours.
Tips for Deciphering Your Explanation of Benefits
An Explanation of Benefits (EOB) is a form or document that may be sent to you by your insurance company several months after you had a healthcare service. Your EOB gives you information about how an insurance claim from a health provider (such as a doctor or hospital) was paid on your behalf.
What Is an Aggregate Deductible & How Does...
Learn what an aggregate deductible is and how this type of family health insurance deductible works.
EPO Health Insurance—What It Is & How...
Learn what, exactly, EPO health insurance is and how an EPO health plan works.Understand how to use an EPO correctly; don’t make an expensive mistake.
Getting Kicked off Dad's Health Plan? Young...
Losing dependent coverage under a parent's health plan because you're turning 26? See your young-adult health insurance options. Learn what to do.
DRG 101: What's a DRG & How Does It Work?
Learn what a DRG is, how DRGs work, and why Medicare and health insurers use them to pay hospital bills. Learn where to get a list of current DRGs.
What’s the Difference Between Medicare...
Medicare is for the elderly; Medicaid is for the poor. Medicare is partially-subsidized health insurance; Medicaid is a social welfare program.
What's an HMO & How Does It Work?
Learn how an HMO works in order to use it effectively and avoid costly mistakes. If you're choosing a plan, make sure an HMO will fit your needs.
How to Choose a Dental Plan
When choosing a dental insurance plan, it's optimal to look for a plan that covers not only your current needs, but the dental care you and your family may require in the near future.
Balance Billing - Have Your Overpaid?
Balance billing may happen when your health plan pays less than what your doctor or hospital charges and want to be paid. Your healthcare provider may demand the balance of the bill from you. Some people do not know that this is inappropriate and pay what is being asked.
When Is Open Enrollment on Health Insurance...
See open enrollment dates for 2015, 2016 and beyond. Learn when your coverage starts and what to do if you miss open enrollment on your exchange.
Medicaid—What Is It?
What's Medicaid? It's government health insurance for low-income people. See who can get help from this social welfare program and how it's paid for.
Balance Billing—What It Is & How It...
Bigger than expected medical bill? Learn what balance billing is and how it works. Learn when balance billing is legal, and when it’s illegal.
5 Steps to Choosing the Best HMO or PPO
HMO or PPO, how do I decide which health plan is best for my family? When you get health insurance from your employer, buy private insurance, join a high-risk plan offered by your state, or enroll in a government-funded program such as Medicaid or Medicare, you may have the opportunity to choose among several health plans.
Federal Poverty Level and Help Paying for...
Find out what federal poverty level is and why it matters in health insurance. Learn 3 things you must know about FPL and health insurance subsidies.
Health Insurance Exemption Criteria—Can...
Learn how to qualify for a health insurance exemption if you're uninsured and don’t want to pay a tax penalty.
What Is a PPO & How Does It Work?
Do you really understand how your PPO works or why it's a PPO not an HMO? Your PPO costs more than other health insurance. Understand what you have.
Learn the meaning of the term “premiums” from your About.com Guide to Health Insurance.
Deductible vs Coinsurance—What's the...
Learn the difference between deductible and coinsurance so you'll know how much you owe when you use your health insurance.
Why am I being forced into Medicare at age 65?
Learn more about what happens when a retiree turns 65.
How Medicaid Takes Its Money Back After You Die
Medicaid can take back the money it spent on your healthcare after you die by taking funds meant for your heirs. Find out if your estate is at risk.
Medigap Policies – Medicare Supplemental...
While Original Medicare (Parts A and B) will most likely pay for most of your hospital, skilled nursing facility, and outpatient medical expenses, you still will have out-of-pocket costs. So, you may want to consider a Medigap plan to help pay your out-of-pocket costs such as hospital deductibles, coinsurance charges, and copayments
What Exactly Is Obamacare, Anyway?
Not sure what Obamacare is? Is it private health insurance, a social welfare program, a law? Can people really enroll in Obamacare, or not?
What Exactly Is a Health Insurance Exchange,...
Learn what a health insurance exchange is, how it's used to comparison shop, buy health insurance, and get help paying for health insurance.
How the Family Deductible Works in an HDHP
Have a high deductible health plan? Learn how your HDHP family deductible works and how it differs from family deductibles in other health insurance.
Medicare Part D Enrollment - How to Enroll in a...
Medicare Part D allows people over age 65 to choose from a number of prescription drug plans (PDPs) that offer a set of basic prescription services. Before joining a Part D drug plan, it is important you understand and are comfortable with your choice.
Medicare Part D Late Enrollment Penalty
Medicare’s late enrollment penalty is an amount that is added to your Part D monthly premium. You may owe a late enrollment penalty if you did not join a Medicare Part D drug plan when you were first eligible for Medicare
Silver Plan–What Is It?
What is a silver health plan? Who should buy silver-tier health insurance; who shouldn't? How does a silver plan differ from bronze, gold, or platinum?
Pregnant? No Maternity Insurance? What Now?
Pregnant? No health insurance? Health plan doesn't include maternity insurance? Get resources for affordable maternity care or maternity insurance.
Managed Care—What It Is & How It Works
Learn what, exactly, managed care is, how it differs from health insurance plans that aren’t managed care, how managed care works, and what to expect.
Understanding Your Health Plan Drug Formulary
A drug formulary is a list of generic and brand name drugs that are preferred by your health plan. It is important for you understand your health plan's drug benefit and formulary.
What You Should Know About COBRA Insurance
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.
The Affordable Care Act--What Is It?
Learn what the Affordable Care Act is, what reforms it creates, and how it changes healthcare in the U.S. See which parts of the ACA won't be implemented.
Private Health Insurance May Save You Money
Buying health insurance is the only health coverage option for some consumers. Even if you have health insurance from your employer, private insurance may still be an option to save money. With your health insurance premiums increasing every year and some employers passing more of the costs onto their employees, your company's health insurance may not be the best deal.
5 Surprising Things Not Covered by Health...
Don't get stuck with bills your health insurance won't pay. Learn 5 common things not covered by health insurance. Know what's covered and what's not.
What Happens to Your FSA When You Lose Your Job?
Losing your job? Learn when you can use your FSA, when you’ll lose it, and what happens to money left in it. Learn how to get more than you put in.
What Does a Case Manager Do?
Learn what case management is and who does it. See examples of how the case management works in hospitals, health insurance companies, and home health care.
Federal Poverty Level
Learn the meaning of the term “Federal Poverty Level” from your About.com Guide to Health Insurance.
Laid Off? How to Keep or Find Affordable Health...
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.
PCP—What Is a Primary Care Physician?
A primary care physician is your main doctor and manages most of your medical issues. Learn what a PCP does, why you need one, and who can be a PCP.
How To Get a Hardship Exemption From Health...
Find out how to qualify for a hardship exemption so you won't have to pay the health insurance penalty tax. Get the details, not just the basics.
Medicare - An Overview of Medicare Benefits
Medicare is the federal program that provides health insurance coverage for Americans age 65 and older and younger people with certain types of disabilities, including end-stage renal disease (permanent kidney failure requiring dialysis or a kidney transplant). If you (or your spouse) have contributed payroll taxes to Medicare throughout your working life you are eligible for Medicare when you reach age 65, regardless of your income or health status.
How to Lower Your Drug Costs in the Donut Hole
The donut hole, or coverage gap, is one of the most controversial and confusing parts of the Medicare Part D prescription drug benefit. There are ways to save money on medications when you hit the donut hole and ways to actually prevent either getting to the donut hole or delaying when you hit it.
Family Uninsured? Calculate Your Family's...
Have to pay a penalty tax because your family doesn’t have health insurance? How much is the family penalty? Simple charts and estimates can be off by hundreds or even thousands of dollars. Learn to accurately calculate your family’s health insurance penalty so you’ll know what you owe.
CHIP - The Children’s Health Insurance...
If you cannot afford to buy private health insurance and your family earns too much to qualify for Medicaid, you may be eligible for CHIP, the Children's Health Insurance Program.
Learn about out-of-network providers.
Medical Codes: What Are ICD-10 Codes & How...
Learn what ICD-10 codes are, how they’re made, and what they’re used for. See examples of how ICD-10 medical codes used in medical billing work.
Where to Get Help Choosing a Medicare Part D...
If you are a Medicare beneficiary, one of the most confusing and difficult tasks is deciding which Medicare Part D drug plan is the right one for you. There are organizations that can help you make the right choice.
Are You Even Eligible for COBRA Health Insurance?
Think you may lose your health insurance? Learn whether you’re eligible for COBRA health insurance so you can stay with your current health plan.
What Are the Options for Student Health...
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.
Lost Your Health Insurance? Not Obamacare Open...
Losing your health insurance? Think you can’t get a health plan on the health insurance exchange because it’s not open enrollment? Think again.
Do Copays Count Toward Your Health Insurance...
Not sure if your health insurance copays count toward your annual deductible? Learn how this works and why it could cost or save you hundreds of dollars per year.
Fighting a Health Insurance Claim Denial
If you use your health insurance, you might run up against a claim denial. It's usually worth fighting your denial.Fortunately, routes are available for disputing claim denials, including getting help from the government in many states. Sometimes your insurer will surrender and pay your claim to avoid the expense of handling an appeal.
How To Get Low-Cost Vaccines Without Health...
Need an expensive adult vaccine? No health insurance? Learn how to find the lowest cost adult vaccines in your area. Don't pay too much.
Bronze Plan Health Insurance&mdahs;What Is...
What is a bronze health plan? Would a bronze plan be a good choice for you, or not? Who should avoid bronze-tier health plans?
What's a Shared Responsibility Payment?
Learn what a shared responsibility payment is, how it affects you, and how it came about. Get resources to avoid the shared responsibility tax penalty.
Do I Need Travel Health Insurance?
Travel Health Insurance is a special policy designed to cover your medical expenses if you get sick or injured on a trip. It covers you for only a limited time, and is usually purchased to cover people on foreign trips. Whether or not you need travel health insurance depends on how likely you think it is that you might need medical care during your trip, and on your ability to pay for it if the need arises.
Spouse’s Health Insurance - Switching to...
At open enrollment time, look at the plan options your employer offers. You may be able to save money by switching to your spouse's health coverage.
Balance Billing—How To Handle It, What To...
Being billed for the balance due on a medical bill after you and your health insurance have already paid? Learn strategies to handle balance billing.
Medical Necessity
Learn the meaning of the term “Medical Necessity” from your About.com Guide to Health Insurance.
Pregnancy Health Coverage - How Much of My...
If you are pregnant or thinking about expanding your family in the near future, you may be concerned with how much your pregnancy will cost. Read on to find out how much your insurance is likely to cover.
Medically Needy
Learn the meaning of the term “Medically Needy” from your About.com Guide to Health Insurance.
What Determines the Cost of a 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.
What Is a Health Insurance Provider Network?
Learn what a health insurance provider network is and how it works. Understanding it is essential to choosing and using your health plan wisely.
9 Things to Know About the Health Insurance...
Think the tax penalty for being uninsured is $95? Think again. It's a percentage of your income. Learn what else you need to know about this penalty.
Can't Pay Your Health Insurance Deductible?...
Need health care but can't afford your health insurance deductible? Get ideas on how to pay your deductible when you don't have money but need care.
Why You Pay More if You're Hospitalized for...
Hospitalized in observation status rather than inpatient? Learn what observation status is, how observation guidelines work, and why you'll pay more.
How Medicaid Works
Learn how Medicaid works in plain English. See how both who’s eligible for Medicaid and what’s actually covered varies from state to state.
How the Cost-Sharing Subsidy Upgrades Your...
Health insurance deductibles and copays too high? Learn how an Affordable Care Act subsidy lowers them. See who's eligible and how it works.
The Premium Tax Credit—What Is It?
Learn what the premium tax credit health insurance subsidy is and how it can help you pay for health insurance.
What Exactly Is Health Insurance, Anyway?
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.
Medicare Choices – What Are My Medicare...
If you are turning 65 in the next three to four months, you need to start thinking about your Medicare choices. There are two main choices for how you get your Medicare benefits – Original Medicare or a Medicare Advantage Plan.
What to Do About Medicare When You Move
Moving? See what Medicare details must be handled. See if you need to change Part C, D, or Select plans. Don't let Medicare get lost in the shuffle.
Using Health Information Technology to Manage...
Although HIT has many uses throughout our healthcare system, three important types of health IT may affect you in the near future as more consumers use personal health records (PHRs) and more physicians use electronic health records (EHRs) and electronic prescribing (e-Rx).
How To Calculate Your Health Plan Coinsurance...
Learn how to calculate what you’ll owe for coinsurance when you use your health insurance. See examples of the math. Know how much you’ll really owe.
What Is Cost-Sharing?
Learn what cost-sharing is, how it impacts your budget, and why health insurers require it. Learn how your cost-sharing can be limited or lowered.
PPO - Preferred Provider Organization
Learn the meaning of the term “PPO - Preferred Provider Organization” from your About.com Guide to Health Insurance.
Medicaid Share of Cost—What Is It?
Learn what the Medicaid Share-Of-Cost program is, who gets it, and how it serves the medically needy.
Beyond Medical Coverage: Vision Care Insurance
Most regular health insurance policies do not pay for the costs of routine vision care. Coverage for such services is known as vision care insurance.
What's a Provider? More Than a Fancy Way of...
Think a health care provider is just insurance lingo meaning doctor? Think again. Discover what a provider really is and why it should matter to you.
Why You Don't Qualify for a Health Insurance...
Are you being told you don’t qualify for a health insurance subsidy even though you think you should? See 4 common reasons why you might not qualify.
When Should I Obtain Out-of-Network Health Care
Many situations call for out-of-network care, and some of them won't cost you more than participating providers.
Why Not Wait Until You're Sick to Buy Health...
Waiting to buy health insurance until you need to use it? Think you’ll save money? There are three reasons why waiting to buy health insurance won’t work.
How Much of My Surgery Will My Health Insurance...
To learn how much of an upcoming surgery is covered by health insurance, ask your surgeon for a breakdown of what your procedure normally costs and what preparation, care and supplies will be necessary both before and after surgery. Then, read the health plan summary patients receive upon insurance enrollment. Inside this booklet, insurance companies typically list covered and excluded costs for preventive to emergency care and everything in between.
What’s the Difference Between Medicaid...
Medicaid and Obamacare are not the same thing. Learn the differences between Obamacare and Medicaid, government health insurance for the poor.
What You Should Know About the Affordable Care...
The purpose of the legislation is to assure that all Americans have access to affordable health insurance. The key reforms in the Affordable Care Act should significantly decrease barriers for obtaining health coverage as well as accessing needed health care services.
Wellness Programs and Your Health Insurance
It pays to take advantage of preventive health benefits like gym memberships and smoking cessation programs included in your health insurance policy.
Need Hospice? Have Medicare? Understand the...
How the Hospice Medicare Benefit works for terminally-ill Medicare recipients. Learn what it pays for, what it doesn't, who's eligible, how to get it.
Sicko Movie Review
Find out what the Michael Moore film Sicko is all about, and whether you should see it.
Elective Surgeries - What Elective Surgeries...
Elective surgery -- which often improves quality of life, rather than saves it -- is, by definition, a choice, not a mandate. Some of these procedures are covered by health insurance companies, others are not.
8 Things to Know About the Health Insurance...
Did you know you might have to pay back your health insurance subsidy? Or that you can be rich and still get a health insurance subsidy? Learn more.
Top 10 Ways To Use Your FSA Dollars
Are you running out of time and ways to spend money you've set aside in an FSA? Here are the 10 best ways to spend your remaining Flexible Saving Account dollars.
Foreign Pharmacies - Buying Drugs from Canada...
Buying drugs in Canada and other foreign countries can save money. Due to the high price of prescription drugs, many Americans buy their medications by crossing the border into Canada and Mexico or when they travel to a foreign country.
7 Health Insurance Concepts You Need to...
Don’t be a babe in the woods. Learn 7 key health insurance concepts crucial to understanding your health plan and using it wisely.
Learn the meaning of the term “Coinsurance” from your About.com Guide to Health Insurance.
Why COBRA Health Insurance May Not Be Your Best...
Considering COBRA? Learn why COBRA isn’t always the best choice and what disadvantages you’ll face if you choose COBRA Health Insurance.
What Is a Special Enrollment Period?
Learn what a health insurance special enrollment period is, who qualifies, and how to sign up for health insurance when it's not open enrollment.
Learn the meaning of the term “Deductible” from your About.com Guide to Health Insurance.
What Is Creditable Coverage?
Creditable coverage is a type of health insurance you had in the past that can be used to avoid late enrollment or other health plan penalties now.
Managing Healthcare Costs With a Health Savings...
Health Savings Accounts (HSAs) are a type of account that you can put money into to save for health-related expenses on a tax-free basis. If you decide to open an HSA, you must have a high-deductible health plan (HDHP).
Medicare Open Enrollment: What to Do & How...
Medicare plans change each year. Medicare open enrollment is your once-yearly chance to change plans; make sure your plan is still the best fit.
What's a Platinum Health Plan?
What's platinum plan health insurance? Who should buy a platinum health plan, and who shouldn't? How do platinum plans differ from bronze, silver,or gold?
What is a self-funded health plan?
Learn about self-funded health plans and how they differ from fully insured plans
How To Get Help When You Have Problems With...
Have a Medicare question problem? Frustrated trying to find answers? Here are six resources to resolve Medicare problems or answer questions.
How Does a Hospital Assign Your DRG?
Learn the basic concept of how a DRG is assigned to your hospital stay so you can better understand how your hospital bill works.
What Is a Health Exchange?
The health reform legislation (Patient Protection and Affordable Care Act) signed into law in March 2010 by President Obama creates state-based health insurance exchanges. The purpose of the health insurance exchanges is to make health insurance more affordable and easier to purchase for small business and individuals.
Major Medical
Major medical defined. Health Insurance.
How the Subsidy for Your Out-Of-Pocket Maximum...
Need a lower out-of-pocket maximum? Learn how an Affordable Care Act health insurance subsidy can lower it. Find out who's eligible and how it works.
Get Health Insurance - Factors to Consider When...
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.
Uninsured? What You Need to Know About Obamacare
Learn how to enroll in Obamacare health insurance, how to get help paying for it, and what will happen if you remain uninsured.
Learn the meaning of the term “Copayment” from your About.com Guide to Health Insurance.
Coinsurance—What It Is & How It Works
See what coinsurance is, when you have to pay it, when you don't, how your health insurance network impacts it, and how the coinsurance subsidy works.
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.
Medicare: What Is It?
What's Medicare? Learn what it is, who's eligible, and how it's paid for. Also learn who manages Medicare's trust funds and how coverage is organized.
What a Prior Authorization Requirement Is &...
Learn what a prior authorization requirement is, how it works, and why your health insurance has it. Learn how to get health care pre-authorized.

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