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HMO, PPO, EPO & POS—Which Is Best?
Learn 6 ways HMO, PPO, EPO & POS health plans differ. Understand how each plan works so you can choose what's best for you. Know what you're buying.
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.
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.
Out-of-Pocket Maximum: How It Works and Why to...
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.
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 for Not Having 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.
How Does the Health Insurance Subsidy Work?
Need help paying for health insurance? The premium tax credit health insurance subsidy can help. Learn how it works, how to apply, and how much you'll get.
Is Health Insurance Tax Deductible?
Some health insurance is tax deductible. Learn the ins and outs of using your 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.
Bronze, Silver, Gold & Platinum–Under...
Learn how the bronze, silver, gold & platinum system works and what it really tells 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.
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.
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.
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 Does 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.
Deductible vs Copayment—What's the...
Learn the difference between a health insurance deductible and copayment. See examples of how deductible vs copayment works. Know what you'll owe.
Can You Get a Health Insurance Exemption?
Learn how to qualify for a health insurance exemption if you're uninsured and don’t want to pay a tax penalty.
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.
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.
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.
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.
Premiums
Learn the meaning of the term “premiums” from your About.com Guide to Health 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.
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.
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.
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.
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.
What Is a Health Insurance Exchange?
Learn what a health insurance exchange is. Find resources to help you understand how you can use a health insurance exchange, and how these health insurance marketplaces will affect you.
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.
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.
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.
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?
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.
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.
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.
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.
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.
Coinsurance
Learn the meaning of the term “Coinsurance” from your About.com Guide to Health Insurance.
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.
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.
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.
What Is an Aggregate Deductible & How Does...
Learn what an aggregate deductible is and how this type of family health insurance deductible works.
Pregnant? No Maternity Insurance? What Now?
Pregnant? Don't have health insurance? Health plan doesn't include maternity insurance? Get resources for affordable maternity care or maternity insurance.
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 Is Cost-Sharing?
Learn what cost-sharing is and how it impacts your budget. Find out what’s included in cost-sharing and why health insurers require it. Learn how your cost-sharing can be limited or lowered.
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.
COBRA Vs Obamacare—Which Should You Choose?
Choosing between COBRA health insurance and an Obamacare health plan on your state’s health insurance exchange? See how they compare.
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.
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.
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.
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.
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.
Bronze Plan–What Is It?
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?
Pre-Approval
: Some health insurers require pre-approval, also known as pre-certification, for certain types of healthcare
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.
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.
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?
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.
What Is a Shared Responsibility Payment?
Learn what a shared responsibility payment is, how it might affect you, and how it came about. If you or your business is at risk for a shared responsibility payment tax penalty, get resources to help you learn what to do.
How an #HMO Works
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—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.
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.
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.
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.
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 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.
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.
What’s the Difference Between Medicare...
What's the difference between Medicare and Medicaid? It goes beyond one being for the elderly and the other for the poor. Learn the other differences.
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.
Explanation of Benefits - How to Avoid Errors...
Your Explanation of Benefits is a window into your medical billing history. Many doctors’ offices, hospitals, and medical billing companies make billing errors. Such mistakes can have annoying and potentially serious, long-term financial consequences.
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.
Understand Your Health Insurance—7 Key...
Don’t be a babe in the woods. Learn 7 key health insurance concepts crucial to understanding your health plan and using it wisely.
Out-of-Network
Learn about out-of-network providers.
Before You Choose a Health Plan: What You Need...
Choosing a health plan? Educate yourself with these resources before you shop for health insurance. Understand exactly what you're buying.
Copayment
Learn the meaning of the term “Copayment” from your About.com Guide to Health Insurance.
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).
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.
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.
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.
Prepare to Be Uninsured—a Tool Kit for...
No health insurance? Prepare for being uninsured with this tool kit. Get strategies to deal with problems before they arise. Learn to decrease risks.
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 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.
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.
Reach the Out-Of-Pocket Maximum Each Year?...
Do you reach your out-of-pocket maximum each year? Learn two techniques to save money if you reach your health plan's out-of-pocket limit each year.
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.
Medical Necessity
Learn the meaning of the term “Medical Necessity” from your About.com Guide to Health Insurance.
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.
Lost Your Health Insurance? Not Obamacare Open...
Losing your health insurance? Think you can’t get a health plan on your health insurance exchange because it’s not open enrollment? Think again.
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.
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.
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.
Deductible
Learn the meaning of the term “Deductible” from your About.com Guide to Health Insurance.
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.
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. Since your health may limit the medications it will pay for, it is important for you understand your health plan's drug benefit and formulary.
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.
How To Get the Most From Your PPO Health...
Learn to use your PPO wisely to get the most from your health insurance. Maximize the value you get for what you spend on PPO health plan premiums.
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.
Frequently Asked Medicare Questions
Medicare is a federal government program that provides health insurance for people age 65 and older,
How a Health Insurance Subsidy Could Cost You...
Getting a health insurance subsidy through the Affordable Care Act? You might have to pay it back later. Understand why; don't let this happen to you.
Health Insurance Mandate
One of the more controversial parts of the health reform legislation is the issue of a health insurance mandate – the requirement that, starting in 2014, all Americans must have healthcare coverage. The vast majority of people in this country have health insurance through work or a public plan such as Medicare and Medicaid.
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.
Avoid Having to Pay Back Your Health Insurance...
Getting a subsidy to help pay for your health insurance? You might have to pay the subsidy back. Learn how to avoid this financial disaster.
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.
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.
Major Medical
Major medical defined. 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.
Gold Plan–What Is It?
What is a gold plan? Who should buy a gold-tier health plan, and who shouldn't? How does a gold health plan differ from bronze, silver, and platinum health insurance plans?
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.
FAQs About Obamacare—What's True &...
Are Obamacare rumors true, or are they just fear mongering and urban legends? Learn what's true and what's not regarding the Affordable Care Act.
Referral
Learn more about referrals and when your health insurance may require them.
Are You Making These 7 Health Insurance Mistakes?
These 7 common health insurance mistakes could cost you money or prevent you from getting the care you need. Are you making one?
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.
Platinum Plan–What Is It?
What's platinum health insurance? Who should buy a platinum-tier health plan; who shouldn't? How does a platinum health plan differ from bronze, silver,or gold?
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.
Medically Needy
Learn the meaning of the term “Medically Needy” from your About.com Guide to Health Insurance.
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.
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.
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.
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.
Prior Authorization
Learn the meaning of the term “Prior Authorization” from your About.com Guide to Health Insurance.
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.
Why am I being forced into Medicare at age 65?
Learn more about what happens when a retiree turns 65.
What Is the Individual Mandate?
Learn what the individual mandate is and it's background in the Affordable Care Act. Get resources to find out how it will affect you, and how much the individual mandate penalty might cost you.
Get Your Health Plan to Pay In-Network Rates...
Convince your health insurance to pay for out-of-network care as though it was in-network care, saving you money. Learn when and how to do it.
Medicaid—What Is It?
What is Medicaid? A huge social welfare program, Medicaid is government health insurance for low income people. Learn who can get it and how it's paid for.
What to Do About Medicare When You Move
Don’t let your Medicare coverage get lost in the shuffle when you move. Learn what you need to do about your Medicare coverage when moving, how to submit a change of address to Medicare, and whether or not you need to choose a new plan if you have Medicare Advantage,Medicare Select, or a Medicare Part D plan.
Am I Being Pushed Into Picking a Silver Health...
Do you feel like you're being pushed into picking a silver-tier health insurance plan? Find out how the government may be influencing you to pick a silver health plan over a cheaper bronze plan or higher value gold or platinum 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
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.
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.
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
POS - Point-of-Service Plan
Learn the meaning of the term “POS - Point-of-Service Plan” from your About.com Guide to Health Insurance.
How to Travel With Your Medication
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.
The Cost of Health Care—Why Is Health...
Why is the cost of health care so expensive? Why does the cost of health care increase faster than inflation? There is one single reason that overshadows all the other factors contributing to the rising cost of health care. Read more to learn what's responsible.
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.
Medicare Questions and Problems–Where to...
Have a question about Medicare or a Medicare problem? Frustrated trying to find answers? Here are the top six resources to help you resolve your problems with Medicare and answer your Medicare questions.
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.
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.
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.
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.
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.
Catastrophic Coverage
: Catastrophic coverage is insurance coverage that is designed to protect the consumer from financial
Mail Order Drugs - Buy Your Drugs Through the...
Mail order drugs may be available through your health plan or Medicare Part D. Mail order drug programs are convenient and can save you money.
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.
Where Can I Find a Free Clinic?
Learn about how to find a free health care clinic.
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.
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.
How To Get the Most From Your HMO
Learn how to get the most from your HMO. Maximize your HMO’s benefits by choosing and using your HMO wisely. Get the most bang for your buck.
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