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Health Insurance: Most Popular Articles

These articles are the most popular over the last month.
How Much Is the Health Insurance Penalty for an...
Will you have to pay a tax penalty for not having health insurance? How much is the health insurance penalty? Learn to calculate what you owe.
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.
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.
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.
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.
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.
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.
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 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.
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.
Health Insurance: Medicare Disability Coverage...
Medicare won't be available to most of us until we turn 65, but for some people Medicare is available at any age. It just isn't easy to get.
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 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 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.
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.
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.
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.
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.
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.
Frequently Asked Medicare Questions
Medicare is a federal government program that provides health insurance for people age 65 and older,
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.
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.
Health insurance and your tax return - here's...
Starting with 2015 coverage, health insurance reporting to the IRS is mandatory. Insurers, large employers, and exchanges will report coverage.
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.
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.
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.
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.
What's the Difference Between Universal...
When deciding upon health care coverage, it's important to understand the difference between universal health care coverage and a single-payer system.
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.
Learn the meaning of the term “premiums” from your About.com Guide to Health Insurance.
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.
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.
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.
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.
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.
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.
Every American Aged 65 or Older is Eligible for...
Every American aged 65 or older is eligible for Medicare. Those who receive Social Security benefits are automatically enrolled in Medicare.
How To Apply for a Health Insurance Exemption...
Eligible for an exemption from health insurance? Learn how to apply for a health insurance exemption and avoid the tax penalty for being uninsured.
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.
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.
I Missed Obamacare Open Enrollment. What Now?
Missed Obamacare open enrollment? Find ways to avoid being uninsured, what will happen if you are uninsured, and how to avoid the tax penalty.
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.
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.
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.
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.
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.
What Is a Health Insurance Exemption?
A health insurance exemption excuses you from the requirement to buy health insurance and lets you avoid the tax penalty for being uninsured.
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.
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 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.
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?
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.
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.
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.
Health Insurance: What is the Premium Tax Credit?
The premium tax credit is a government subsidy designed to help make health insurance premiums more affordable for middle and low-income people.
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.
What's an Embedded Deductible & How Does It...
Learn what an embedded deductible is and how this type of family health insurance deductible works.
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.
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.
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.
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.
I Missed My Job-Based Benefits Open Enrollment...
If you get your health benefits through your job, or if you purchase your own separate health care, there will be an annual open enrollment period.
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.
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
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.
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.
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.
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 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.
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.
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.
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.
Federal Poverty Level
Learn the meaning of the term “Federal Poverty Level” from your About.com Guide to Health Insurance.
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.
Medically Needy are People who Recieve...
Medically needy is a distinction used for individuals who fall into a determined specific category, or criteria, of mandatory Medicaid eligibility.
An Out-of-Network Provider Hasn't Contracted...
An out-of-network provider is one which has not contracted with your insurance company for reimbursement at a negotiated rate.
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.
What Is an Aggregate Deductible & How Does...
Learn what an aggregate deductible is and how this type of family health insurance deductible works.
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.
What Happens to Your Flexible Spending Account...
Your ability to use your Flexible Spending Account is linked to your job.Typically, if you lose your job, you’ll lose your Flexible Spending Account.
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?
Does It Cost Less to Buy Health Insurance or...
Unsure whether to buy health insurance or pay the tax penalty for being uninsured? Learn if it's cheaper to buy health insurance or pay the penalty.
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.
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.
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.
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.
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.
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.
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
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.
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.
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.
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.
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 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.
Medical Necessity
Learn the meaning of the term “Medical Necessity” from your About.com Guide to Health Insurance.
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.
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 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’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.
Health Insurance: Is Travel Health Insurance...
Travel health insurance is a policy designed to cover medical expenses if you get sick or injured on a trip. It's usually purchased for foreign trips.
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.
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.
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.
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.
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.
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.
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.
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.
What's 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.
Health Insurance: Pregnant with No Maternity...
Pregnant? No health insurance? Health plan doesn't include maternity insurance? Get resources for affordable maternity care or maternity insurance.
Mail Order Drugs: Buy Your Drugs Through the Mail
Mail order drugs are prescription drugs delivered through the mail. There are both benefits and drawbacks of receiving mail order drugs.
Health Insurance: What Is a Health Insurance...
A health insurance provider network is a group of health care providers that have contracted with an HMO or PPO to provide care at a discount.
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.
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.
What Is the Individual Mandate?
Learn what the individual mandate is, it's background in the Affordable Care Act, and how ignoring it can lead to a tax penalty unless you're exempt.
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.
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?
Why Not Lie On Your Health Insurance Subsidy...
You'll get busted if you lie on your health insurance subsidy application to get a more money or qualify for a subsidy. See how big brother will know.
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.
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.
Long Term Care Options - Paying for Long Term...
If you have enough income and 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 type of assistance you need and if you have had the foresight to purchase long-term care insurance. The time to plan for long-term care insurance is now—before you need it! It is important to understand your options.
Do Premiums Count Toward Your Deductible?
See why, even when you’ve paid enough in health insurance premiums to meet your deductible, your health insurance won’t pay your medical bills yet.
8 Important Things to Know About Health...
If you are interested in a government subsidy in order to make your health insurance more affordable, there are several things you need to know first.
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.
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.
How to Find a Doctor You Like
Finding the right doctor to help you with your healthcare needs is very important. The relationship you develop with your physician greatly influences the health decisions you make and, in due course, your wellbeing.
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.
Average ACA penalty in 2016 will be nearly 5...
The average tax filer who owed a penalty for being uninsured in 2014 had to pay about $200. In 2016, that will rise to nearly $1000.
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.
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.
Learn the meaning of the term “Deductible” from your About.com Guide to Health Insurance.
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.
Health Insurance: What is a Referral?
A referral is a special kind of pre-approval that individual health plan members, primarily those with HMOs, must obtain before seeing a specialist.
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.
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.
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.
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.
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.
Why Is Health Care So Darned Expensive?
Why is health care so expensive? Why does the cost of health care go up faster than inflation? Learn the one reason overshadowing all other factors.
Generic Drugs - Are They as Safe and Effective...
Whether you have prescription drug coverage or not, if you use generic medications when appropriate for your health condition you can save money – often more than 50% less than the brand name drug. But, are generic drugs safe? According to the U.S. Food and Drug Administration (FDA), generic medications are as safe and effective as the brand name equivalent.
PPO - Preferred Provider Organization
Learn the meaning of the term “PPO - Preferred Provider Organization” from your About.com Guide to Health Insurance.
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.
Prior Authorization is a Way to Make Sure That...
Prior authorization is a requirement that a physician obtain approval from a care provider before prescribing a medication or performing a operation.
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.
What If Your Health Insurance Doesn't Cover a...
Learn more about your options when a medical procedure recommended by your doctor isn't covered by insurance. Sometimes, it is possible to negotiate with your doctor and insurance company for the best deal.
Dependent Coverage for Young Adults
One of the significant provisions in the health reform law that is being implemented in 2010 is an extension of dependent coverage to assure that all young adults have affordable health insurance. Many parents and their young adult children who worried about losing health insurance after their children moved away from home or graduated from college no longer need to worry.
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.
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.

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