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Health Insurance: Most Popular Articles

These articles are the most popular over the last month.
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.
HMO, PPO, EPO & POS—What’s the...
Learn 6 basic ways HMO, PPO, EPO and POS health plans differ. Understand how each plan works so you can choose the best one for your situation. Know what you're buying and how to use it.
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.
How Much Is the Health Insurance Penalty for an...
How much is your penalty for not having health insurance? Learn to calculate your individual mandate penalty accurately so you'll know exactly what you owe. Don't rely on simple charts and estimates that can be off by hundreds or even thousands of dollars.
Out-of-Pocket Maximum—How It Works and...
Learn how your out-of-pocket maximum works, what counts towards the out-of-pocket limit, and what your health insurance company may still require you to pay after you’ve met your out-of-pocket maximum.
Understand What Your Doctor Means by Learning...
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.
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.
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 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.
Florida Medicaid Share of Cost—How Does...
Have Florida Medicaid Share of Cost? Learn to maximize benefits without going broke. If you use Medicaid Share of Cost incorrectly, you’ll pay more and miss out on Medicaid coverage you could have received.
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.
What's the Difference Between Copay and...
Don't understand the difference between a copay and coinsurance? Not sure when you have to pay coinsurance vs copay? Not sure which one will costs more? Find the answers here. Understand how copay and coinsurance work and how they differ.
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.
Explanation of Benefits - Understanding Your EOB
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.
Insurance Codes - Learn About Insurance Codes...
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.
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.
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.
Managed Care – Understanding Managed Care
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.
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.
Short Term Disability Insurance
Short term disability insurance pays a percentage of your salary if you become temporarily disabled, which means that you are not able to work for a short period of time due to sickness or injury not related to your job.
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.
Supplemental Insurance - Should I Buy...
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.
Cost of Health Insurance
There are many things that determine how much your health insurance will cost you each month. How much health insurance will cost you depends on your age, the condition of your health (how healthy or unhealthy you are), where in the country you live, your income, and your job status.
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.
Medicare Disability Coverage - Under 65, How to...
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 to Choose 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.
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.
Medication and Travel - How to Travel With...
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.
What’s the Difference Between Medicare...
It’s easy to be confused about the difference between Medicare and Medicaid, but the differences are important. If you tell the doctor’s office you have Medicaid when you really have Medicare, you might be turned away. Learn how Medicare and Medicaid are different.
Can I Get Help Paying for Health Insurance?
If you can’t afford health insurance, you might be able to get help paying for health insurance premiums. Find out if you’re eligible for a health insurance subsidy. Learn about programs to make health insurance more affordable like the premium tax credit and decreased cost sharing subsidies.
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.
I’m 26 & Getting Kicked Off My...
Losing dependent coverage under a parent’s health plan because you’re turning 26 years old? See your young-adult health insurance options.
Understanding the Medicare Part D 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 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.
Medicare Part B - Understanding 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.
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.
Health Savings Account – Managing...
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).
Premiums
Learn the meaning of the term “premiums” from your About.com Guide to Health Insurance.
Health Insurance Deductible—What It Is...
Learn the different types of health insurance deductibles. Find out how your deductible works, what counts toward it, and when you don't have to pay.
Student Health Insurance - Options for 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.
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.
Medicare Advantage Plan - Understanding...
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 Much Is the Health Insurance Penalty for...
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,
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.
Are Health Insurance Premiums Tax-Deductible?
While few health insurance premiums are tax deductible, a few are, and there are other strategies to make sure you can maximize your yearly deductions.
5 Surprising Things Not Covered by Health...
Sometimes knowing what's not covered by health insurance is just as important as knowing what is covered. Avoid getting stuck with medical bills your health insurance won't pay. Learn these five common things not covered by health insurance.
Affordable Care Act – What You Should...
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.
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.
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.
Can’t Pay Your Health Insurance...
Need health care but can't afford your health insurance deductible? Get ideas for how to pay your deductible when you can't afford it but you need care.
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.
Mandated Benefits - Understanding Mandated...
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.
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.
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 A - Understanding Medicare Part A
Medicare Part A, also known as the Hospital Insurance program, helps cover the costs of inpatient care in hospitals, inpatient care in a skilled nursing facility, hospice care services, and some home health care services. If you are 65 or older, you are automatically eligible for Medicare Part A.
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?
Deductible
Learn the meaning of the term “Deductible” from your About.com Guide to Health Insurance.
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.
Medical Necessity
Learn the meaning of the term “Medical Necessity” 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.
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.
How the Family Deductible Works in a High...
Have a high deductible health plan? Learn how your HDHP family deductible works and how it differs from family deductibles in other health insurance.
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.
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 Open Enrollment?
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 Is a Special Enrollment Period?
Learn what a health insurance special enrollment period is, how to qualify for it, and how it works.
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.
Coinsurance
Learn the meaning of the term “Coinsurance” from your About.com Guide to Health Insurance.
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.
Out-of-Network
Learn about out-of-network providers.
Why Not Wait Until I'm Sick to Buy Health...
Want to wait 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.
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 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.
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.
COBRA Vs Obamacare—Which Is Better?
Choosing between COBRA health insurance and an Obamacare health plan on your state’s health insurance exchange? See how they compare.
The Affordable Care Act
What is the Affordable Care Act? What reforms does it create? Get a basic understanding of the Act as well as resources for more in-depth information about the Affordable Care Act.
Over My Dead Body—How Medicaid Takes Its...
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 might be at risk.
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.
What Is Obamacare?
Not sure what Obamacare is? Is it private health insurance, a social welfare program, a law? Can people actually “enroll in Obamacare”? Get answers here.
What Is a PPO & How Does It Work?
PPOs are more expensive than HMOs, so make sure you know how a PPO works and how it differs from other health plans when you buy health insurance.
Before You Choose a Health Plan
Choosing a health plan that's a good fit for you and your family can be tough. Educate yourself with these resources before you shop for health insurance.
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.
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?
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 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.
How Your Family Deductible Works
Learn how your health insurance family deductible works. See examples of the family deductible. Know what you’ll owe when you use your health plan.
Copayment
Learn the meaning of the term “Copayment” from your About.com Guide to Health Insurance.
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 the Cost-Sharing Health Insurance Subsidy...
Health insurance deductible, copays and coinsurance too high? Learn how an Affordable Care Act subsidy lowers them. Find out who's eligible and how it works.
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.
Free Birth Control—Maximize Your...
You won't get the most from the Affordable Care Act's free birth control benefit if you don't understand how it works. Find out if you're eligible to get free birth control, which contraceptives are covered, and how to maximize your benefit.
How To Save on Health Insurance if You Reach...
If you reach your health insurance out-of-pocket maximum, your healthcare expenses are high enough it can be hard to save. But, your high healthcare expenses provide two opportunities to save that won't work for people who don't meet their out-of-pocket limit each year. Learn how to save money on out-of-pocket costs and on health insurance premiums when you have costly or chronic medical conditions.
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.
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.
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.
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.
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.
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.
What Is an Embedded Deductible & How Does...
Learn what an embedded deductible is and how this type of family health insurance deductible works.
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.
How Do I Obtain Charity Care?
Learn about how to obtain charity care for free or a reduced cost.
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.
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.
Uninsured? What You Need to Know About Obamacare
Find out if you’re required to have health insurance and what will happen if you don’t get it. Learn how to enroll in Obamacare and how to get a subsidy to help pay for health insurance. Uninsured? Learn
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 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.
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.
Sicko Movie Review
Find out what the Michael Moore film Sicko is all about, and whether you should see Sicko.
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.
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
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.
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.
Why am I being forced into Medicare at age 65?
Learn more about what happens when a retiree turns 65.
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.
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.
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.
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.
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.
Medically Needy
Learn the meaning of the term “Medically Needy” from your About.com Guide to 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.
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.
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.
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.
Pill Splitting - Splitting Pills Saves Money on...
Splitting pills has become a popular way for people to save money on some prescription medications. Learn how to split pills safely and what types of pills cannot be split.
What Is an Aggregate Deductible and How Does It...
Learn what an aggregate deductible is and how this type of family health insurance deductible works.
Laid Off? More Ways to Find Affordable Coverage
If you have lost your job, you may be worried about the loss of your employer-based health insurance. To protect you and your family, it is important to try and find some type of health insurance plan during your period of unemployment. Fortunately, if you are handed a pink slip, you do have options to remain insured. Page 2.
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 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.
Creditable Coverage
Learn the meaning of the term “creditable coverage” from your About.com Guide to Health Insurance.
How Will Health Reform Affect Me?
Almost every American will be affected in some way by health reform. How you are personally impacted depends on how the fine details of the legislation are implemented.
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?
Referral
Learn more about referrals and when your health insurance may require them.
POS - Point-of-Service Plan
Learn the meaning of the term “POS - Point-of-Service Plan” from your About.com Guide to Health Insurance.
Am I 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.
Beyond Medical Coverage: Vision Care Insurance
Most regular health insurance policies do not pay for the costs of routine vision care such as eye exams, corrective lenses, eyeglass frames, or contact lenses. Coverage (offered to less than 30% of employees) for such services is known as vision care insurance.
Reasonable and Customary Fee
Learn the meaning of the term “Reasonable and Customary Fee” from your About.com Guide to Health Insurance.
Major Medical
Major medical defined. Health Insurance.
Out-of-Pocket Expenses
Learn the meaning of the term “Out-of-Pocket Expenses” from your About.com Guide to Health Insurance
Prior Authorization
Learn the meaning of the term “Prior Authorization” from your About.com Guide to Health Insurance.
What is Pay-for-Performance?
Learn more about pay-for-performance, how it could change our health care system, and how it might affect you.
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.
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.
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?
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.
What is a self-funded health plan?
Learn about self-funded health plans and how they differ from fully insured plans
What is the difference between "universal...
Learn more about universal coverage and single-payer systems, important health care reform concepts
What Is a Drug Formulary?
A drug formulary is a list of generic and brand name drugs that are preferred by your health plan. Since your health plan may limit the medications it will pay for, it is important for you to understand your health plan's drug benefit and formulary.
What Is a Health Insurance Provider Network?
What is a health insurance provider network? Why is understanding your health plan's network essential to using your health insurance wisely? Find out here.
Massachusetts Health Insurance Information
Contact information for state offices and resources for obtaining and keeping health insurance in Massachusetts.
Medicare Improvements in the Affordable Care Act
The federal government, has made it clear that your guaranteed Medicare benefits will not change because of the Affordable Care Act — whether you get them through Original Medicare or a Medicare Advantage plan. And, there are no changes in eligibility requirements.

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