Health Insurance Sitemap - Page 1 2016-09-26

Health Insurance
Health Insurance. Page 2.

Find Affordable Health Coverage When Laid Off
If you have lost your job, you may be worried about the loss of your employer-based health insurance. Learn about your options to remain insured.

How the Cost-Sharing Health Insurance Subsidy Works
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’s It Like to Stay in a Fisher House?
Is your loved one a wounded or seriously ill service member? Need a lodging near the hospital? Learn what it's like to stay in Fisher House lodging.

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.

What Is an Embedded Deductible and How Does It Work?
Learn what an embedded deductible is and how this type of family health insurance deductible works.

I Buy My Own Insurance. What Income Makes Me Subsidy-Eligible?
Health insurance subsidies are available in the exchanges based largely on income. But it's more complicated than that.

Understanding Mandated Health Insurance Benefits
Learn about the number of health care benefits that are mandated by either state law, federal law or in some cases both.

Are Obamacare Premium Tax Credits Ethical for High-Asset Households?
Learn how ACA premium subsidies are a tax credit, with eligibility based on income but not assets.

Does Your Medical Insurance Cover Your Procedure?
If you find out your health insurance does not cover a procedure or test, what can you do? Here are options for dealing with insurance coverage issues.

Is single-payer healthcare coming to Colorado?
Colorado voters will decide in 2016 whether the state will move forward with ColoradoCare, a single payer system to cover all non-elderly residents.

How To Get a Prior Authorization Request Approved
Trouble getting your health insurance to approve your prior authorization request? See helpful hints for getting pre-authorization requests approved.

Why Do We Still Not Have Universal Coverage?
Although most of the ACA's provisions had been fully implemented by 2016, there were still about 29 million U.S. residents without health insurance.

Medical Necessity Definition in Health Insurance
Health insurance companies provide coverage only for health-related serves that they define or determine to be medically necessary.

The Retroactive Cancellation of Health Insurance Plans
Although in some certain situations it is legal for an insurer to retroactively cancel a health coverage plan, such a situation is extremely rare.

Health Insurance: Where Can I Find a Free Clinic?
Being uninsured severely limits one's ability to obtain timely and affordable health care. Free clinics are an option for the uninsured.

What Is a Drug Formulary?
A drug formulary is a list of drugs that are preferred by your health plan. It is important to understand your particular coverage's drug formulary.

Tips to Save Money on Health Insurance
Health insurance can be expensive and is increasing annually.There are steps that you can take to help lower your overall health insurance costs.

What to Do When You Miss 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.

Types and Purposes of Medicaid Waivers
A Medicaid waiver allows states to deliver Medicaid programs that differ from standard federal program requirements. Learn more about these waivers.

Save On Drugs: Government Programs to Save On Drugs
You can save on the cost of your medications by exploring federal and state government programs. Such programs may help you save money on prescriptions.

Spouse's Health Insurance - Money Saving Tips
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.

What is Pay-for-Performance (P4P) System?
Learn more about what pay-for-performance (P4P) is, how it could potentially change our health care system, and how it might affect you.

Universal Health Coverage Versus a Single-Payer System
When deciding upon health care coverage, it's important to understand the difference between universal health care coverage and a single-payer system.

Affordable Care Act - What You Should Know
The key reforms in the Affordable Care Act should significantly decrease barriers to​ obtaining health coverage and accessing needed health care services.

Impact of the Affordable Care Act Tax Provisions
The purpose of the Affordable Care Act tax provisions. is to assure that all Americans have access to affordable health insurance.

Health Insurance Open Enrollment Options
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.

Learn About Open Enrollment and Health Reform
It is very important to understand open enrollment and health reform when dealing with health insurance coverage and the Affordable Care Act.

Short-Term Disability Insurance Definition
Learn about Short-term disability insurance and how it works by paying a percentage of your salary if you become temporarily disabled.

Deductible
Learn the meaning of the term “Deductible” from your Guide to Health Insurance.

What Is Coinsurance?
Coinsurance is the percentage amount you are required to pay towards your medical bill when you file a health insurance claim. Learn how co-pays work.

Should I Buy Supplemental Health Insurance?
Learn about supplemental insurance, additional insurance that you can purchase to help you pay for services and expenses your regular insurance does not cover.

What is Guaranteed Issue in Health Insurance?
Guaranteed issue refers to a circumstance in which a health care policy is offered to all potentially eligible applicants regardless of health status.

Health Reform Includes a 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.

Understanding Medicare Part A Hospital Insurance
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.

Medicare HMO and PPO Coverage and Options
Although most people with Medicare get their health benefits from Original Medicare (Parts A and B), you can get coverage from a Medicare Advantage Plan.

Have You Overpaid Because of Balance Billing?
Balance billing may happen when your health plan pays less than what your doctor or hospital charges want to be paid. This is inappropriate.

What Does it Mean to be Medically Needy?
Medically needy is a distinction used for individuals who fall into a determined specific category, or criteria, of mandatory Medicaid eligibility.

What is Adverse Selection?
Adverse Selection in health care happens when those who present a higher risk to the insurer buy health insurance while healthier people don’t buy it.

What’s the Difference Between an HRA & an HSA?
See the difference between a Health Savings Account and Health Reimbursement Arrangement. Ownership, contributions, and health insurance work differently in HSAs vs HRAs.

Are My Health Insurance Premiums Tax-Deductible?
It's tax time again and you may be wondering if your health insurance premiums are tax-deductible. It depends on who you are and who you work for.

Network Gap Exception—What It Is & How It Works
A health insurance network gap exception allows you to see an out-of-network provider while only paying in-network rates. Learn how to get one.

How Much of My Surgery Will My Health Insurance Cover?
The costs for your surgery and what your health insurance will cover can vary, and there are costs beyond the surgery itself. Find out what to expect.

How to Get Your Health Plan to Pay In-Network Rates for Out-of-Network Care
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.

How To Evaluate a Critical Illness Insurance Policy
Learn how to evaluate a critical illness insurance policy before buying. See questions to ask and what to watch out for when choosing a policy.

What Is a Health Savings Account and How Does It Work?
Learn what an HSA is, how it works, who can have one, how it helps you save on taxes, and how it helps you pay for medical expenses.

4 Tips for Managing Your HSA Wisely
Learn 4 ways to get the most from your Health Savings Account. Manage your HSA wisely with a strategic plan. Don't leave it to chance.

What You Can Spend Your HSA Money On
Learn what you can spend your HSA money on. Avoid the 20% penalty for using your Health Savings Account for non-qualified medical expenses.

Does Health Insurance Pay for Travel Vaccinations?
Need travel shots? Learn when your health insurance will pay for travel immunizations, when it won’t, and the ins and outs of travel vaccine coverage.

What Managed Care is and 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.

Health Insurance Options for Volunteers
Planning on volunteering in the U.S. or abroad? Find out what your health insurance options are, what benefits to look for, and what to beware of.

Understanding Drug Schedules & the Controlled Substances Act
Learn how the Controlled Substances Act in the United States classifies drugs into different schedules. See which drugs fit into which schedules.

Why Health Insurance Won't Pay for Medical Marijuana
Learn about why health insurance won't pay for medical marijuana, and why reclassification of marijuana won't make your health plan pay either.

Rejected for a Long-Term Care Policy? Check Your MIB File
Turned down for long-term care insurance? Think it’s a mistake? Learn how to check your Medical Information Bureau file to make sure it’s accurate.

What Is Custodial Care?
Learn what exactly custodial care is, how it differs from skilled care, and who can provide it. See examples of custodial health care.

What Is Discharge Planning & How Does It Work?
Learn what discharge planning is and who does it. See an example of a discharge plan. Learn why discharge planning is such a big deal.

Covered or Coverage—Definition in Health Insurance
Learn what the terms covered and coverage mean in health insurance. See what it means if something is not a covered benefit, and what coverage is.

What Job Seekers Need to Know About Health Insurance
Looking for a job? See what to look for in health benefits when you get a job offer and how an offer affects your COBRA or health insurance subsidy.

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.

Platinum Plan Health Insurance—What Is It?
What's platinum plan health insurance? Who should buy a platinum health plan, and who shouldn't? How do platinum plans differ from bronze, silver,or gold?

What is a Health Insurance Claim?
Health insurance claims are an important piece of your relationship with your health insurance company. Learn what they are and what to expect.

Why COBRA Health Insurance May Not Be Your Best Option
Considering COBRA? Learn why COBRA isn’t always the best choice and what disadvantages you’ll face if you choose COBRA Health Insurance.

Utilization Review—What Is It and How Does It Work ?
Learn what health care utilization review is, how it works, and who does it. See an example of the utilization review process.

How a Health Insurance Subsidy Could Cost You Big-Time
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.

Job Loss and Your Flexible Spending Account (FSA)
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.

Lying On Your Health Insurance Subsidy Application
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.

The Advantages of Short-Term Health Insurance
Advantages of short-term health insurance include signing up whenever you want, no waiting period for coverage to begin, and low prices. Learn more.

The Shortcomings of Short-Term Health Insurance
Want to buy a short-term health insurance policy? First learn the drawbacks so you’ll really understand the coverage you’re buying.

What Is Creditable Coverage?
Creditable coverage is a type of health insurance you had in the past that can be used to avoid late enrollment or other health plan penalties now.

What is Skilled Care & How Does It Work?
Learn what exactly skilled care is, how it differs from custodial care, and who’s qualified to provide it. See examples of skilled health care.

Lost Your Health Insurance? Not Open Enrollment? What Now?
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.

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.

Florida Medicaid Share of Cost—How Does it Work?
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.

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.

Understanding Medicaid and Who Is Eligible
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.

Medicare and Medicaid—What’s the Difference?
Medicare is for the elderly; Medicaid is for the poor. Learn the other distinctions between the two government programs.

How the Medicaid Estate Recovery Program Works
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.

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.

Bronze Plan Health Insurance—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?

Gold Plan Health Insurance - What Is It?
Learn what a gold plan is and how it differs from bronze, silver, and platinum health insurance. See who should and shouldn't buy a gold-tier plan.

Difference Between a Deductible and Coinsurance
Learn the difference between deductible and coinsurance so you'll know how much you owe when you use your health insurance.

Deductible vs. Copayment: What's the Difference?
Learn the difference between a health insurance deductible and copayment. See how a deductible works differently than a copay. Know what you'll owe.

Can't Pay Your Health Insurance Deductible? What Now?
Need health care but can't afford your health insurance deductible? Get ideas about how to pay your deductible when you don't have money but need care.

Comparing COBRA & Obamacare Health Insurance
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.

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.

What Is Medicaid Expansion
Learn what Medicaid expansion means, how it’s done, and what Obamacare has to do with it. See why some states have expanded Medicaid and some haven’t.

How Health Care Rationing in the U.S. Affects Even You
Learn how and why health care rationing is already happening in the United States. See every-day examples of how even the insured are affected.

Socialized Medicine - What Is It?
Learn what socialized medicine really is, how it's different from universal coverage, and how some healthcare in the U.S. is already socialized.

Why Upcoders Aren’t Always Evil Fraudsters
Upcoding is medical billing fraud perpetrated by dishonest folks bilking the system. But is this always true? Find out why this might not be the case.

Allowed Amount—What Does It Mean With Health Insurance?
See what the health insurance term allowed amount means, how it’s handled differently in-network than out-of-network, and how it impacts what you pay.

The Affordable Care Act Definition
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.

An Explanation of Inpatient vs. Observation Status
Hospitalized in observation status rather than inpatient? Learn what observation status is, how observation guidelines work, and why you'll pay more.

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.

What Is 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.

Why Use Medical Billing Codes Rather Than Words?
Learn why your doctor, health insurance company, and the worldwide health care industry use medical codes instead of plain words you can understand.

What Is a Silver Plan?
What is a silver health plan? Is a silver-tier health insurance right for me? How does a silver plan differ from a bronze, gold, or platinum plan?

Actuarial Value: What It Is and Why It Matters
A health plan’s actuarial value is the percentage of the plan members’ health care expenses the plan is actually expected to pay.

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 Is a Medical Billing Advocate?
A medical billing advocate is a specific type of patient advocate who helps patients deal with medical bills and billing issues they may experience.

When You Should Use a Medical Billing Advocate
A medical billing advocate is a patient advocate that helps patients deal with medical bills and billing issues. Learn when one may be necessary.

Myth: You Can’t Get Obamacare in Republican-Led States
Think you can’t get Obamacare health insurance if you live in a Republican-led state? Wrong! Learn why this is incorrect and clear up the confusion.

Late Paying an Obamacare Insurance Premium? What to Know
Late paying Obamacare health insurance premiums? See if you qualify for a grace period, how long that period is, and when your coverage is canceled.

How To Get Your Medical Records
Learn which medical records you have a right to, and which you don't. Learn how to get copies of your medical records and what to do about errors.

How To Estimate Your Health Insurance Cost-Sharing Expenses
Learn to calculate your health insurance cost-sharing expenses. Estimate how much you’ll spend on copayments, coinsurance, and deductibles each year.

6 Things to Know About Catastrophic Health Insurance
Did you know catastrophic health insurance isn’t always the cheapest? Did you know it pays for some care before you’ve met the deductible? Learn more.

Short-Term Health Insurance—What It Is & How It Works
Learn what short-term health insurance is, how it works, what situations it’s good for, and what to beware of with short-term health insurance.

Health Insurance Coverage for Home Health Care
Learn the ins and outs of health insurance for home health care, what is and isn’t covered, and how to access your health plan’s home care benefits.

Health Insurance Options for Your Small Business
Strategies for finding health insurance for your small business employees.

FAQs About #Obamacare - What's True & What's Not
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.

Pregnant With No Maternity Insurance? What Now?
Pregnant? No health insurance? Health plan doesn't include maternity insurance? Get resources for affordable maternity care or maternity insurance.

Calculating an Individual Health Insurance Tax Penalty
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.

Learn More About Out-of-Pocket Maximum
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.

Free Birth Control with the Affordable Health Care Act
How to maximize your free birth control benefit from the Affordable Care Act. Find out if you're eligible, and which contraceptives are covered.

What You Should Know When Choosing Dental Insurance
When you're choosing your dental insurance plan, there are a few key points to consider. Learn what to look for before you choose your dental plan.

Uninsured? What You Need to Know About Obamacare
Learn how to enroll in Obamacare health insurance, how to get help paying for it, and what will happen if you remain uninsured.

Why Not Wait Until I'm Sick to Buy Health Insurance?
Waiting to buy health insurance until you need it? There are many reasons why that plan won't work and won't save you money in the long run.

A Tool Kit for Going Without Health Insurance
No health insurance? Prepare for being uninsured with this toolkit​. See how to decrease risks. Strategize to deal with problems before they arise.

How Your Family Health Insurance Deductible Works
Learn how the family deductible works for health insurance. Understand clearly what you'll owe when you use your health plan.

How To Decide if You Really Need a Test or Procedure
Medical care can be expensive and sometimes risky. It is not always a simple matter to figure out whether or not you really need a test or procedure.

Why Can’t I Sign Up for Health Insurance Whenever I Want?
Want to sign up for health insurance but can’t because it’s not open enrollment? Learn why health plans make you wait until open enrollment.

How To Get Mental Health Insurance & Use It Wisely
How to get mental health insurance or discover mental health coverage you weren't aware you had.

Reach the Out-Of-Pocket Maximum Each Year? Save Money
Do you reach your out-of-pocket maximum each year? Learn two techniques to save money if you expect to continue reaching your out-of-pocket limit.

Is Health Insurance Tax Deductible?
Some health insurance is tax deductible; some isn't. Learn the ins and outs of health insurance as a tax write-off. Find out if you can save on taxes.

How To Write 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.

6 Free or Low-Cost Health Insurance Options: Option 6
Options for free or low-cost health insurance in the United States. Who’s eligible, how to apply, what to expect. Option 6 of 6: parent’s health plan.

6 Free or Low-Cost Health Insurance Options: Option 5
Options for free or low-cost health insurance in the United States. Who’s eligible, how to apply, what to expect. Option 5 of 6: spouse’s health plan.

6 Free or Low-Cost Health Insurance Options: Option 4
Options for free or low-cost health insurance in the United States. Who’s eligible, how to apply, what to expect. Option 4 of 6: job-based insurance.

6 Free or Low-Cost Health Insurance Options: Option 3
Learn options for free or low-cost health insurance in the United States. Who’s eligible, how to apply, what to expect. Option 3 of 6: Obamacare.

6 Free or Low-Cost Health Insurance Options: Option 2
Options for free or low-cost health insurance in the United States. Who can apply and what to expect. Option 2 of 6: short-term health insurance.

6 Free or Low-Cost Health Insurance Options: Option 1
Options for free or low-cost health insurance in the United States. See who’s eligible, how to apply, what to expect. Option 1 of 6: Medicaid.

6 Free or Low-Cost Health Insurance Options
See six options for free or low-cost health insurance in the United States. Learn who’s eligible, how to apply, and what to expect with each option.

How To Calculate Out-Of-Network Care Costs—the Math
Calculating how much you pay for out-of-network care is harder than for in-network care. Learn how. See examples of the math. Know what you’ll owe.

The Out-Of-Network Gotchas: Allowed Amount & Balance Billing
Calculating how much you pay for out-of-network care is harder than for in-network care. Learn how. See examples of the math. Know what you’ll owe.

How To Calculate Your Out-Of-Network Deductible
Calculating how much you pay for out-of-network care is harder than for in-network care. Learn how. See examples of the math. Know what you’ll owe.

How To Calculate Your Out-Of-Network Coinsurance Charges
Calculating how much you pay for out-of-network care is harder than for in-network care. Learn how. See examples of the math. Know what you’ll owe.

Calculating Your Costs for Out-Of-Network Care—Examples
Calculating how much you pay for out-of-network care is harder than for in-network care. Learn how. See examples of the math. Know what you’ll owe.

Important Things to Know About Health Insurance Subsidies
If you are interested in a government subsidy in order to make your health insurance more affordable, learn what you need to know first.

5 Things Health Insurance Won't Cover
Don't get stuck with bills your health insurance won't pay. Learn 5 common things not covered by health insurance. Know what's covered and what's not.

What Are Obamacare's Essential Health Benefits?
The ACA calls for individual and small group plans to include coverage for ten essential health benefits. Here's how it works.

Ways an HSA is Better Than an FSA
These advantages of an HSA vs an FSA show you why a health savings account trumps a flexible spending arrangement when it comes to perks.

Generic Drugs
Generic drugs are drugs that are comparable, and often identical to name-brand drugs. Learn about the benefits of buying generic drug versions.

What is an Out-of-Network Provider?
Learn about out-of-network providers, which are providers that have not contracted with your insurance company for reimbursement at a negotiated rate.

2017 Health Insurance Rate Increases
Individual market health insurance premium increases for 2017 are making headlines, but subsidies will offset the rate hikes for many enrollees.

Do I Need Travel Health Insurance?
Learn about travel health insurance, a policy designed to cover medical expenses if you get sick or injured on a trip.

What Are Obamacare's Health Exchanges?
Learn about the health reform legislation signed into law in March 2010 by President Obama, which creates state-based health insurance exchanges.

How to Find Student Health Insurance
Going to college is an important thing you can do to secure your financial future. Learn what happens if you get sick or injured while you're there.

Managing Healthcare Costs With a Health Savings Account
If you decide to open an HSA, learn about how you must have a high-deductible health plan (HDHP).

How to Avoid Errors in Your Explanation of Benefits
Your Explanation of Benefits is a window into your medical billing history. Learn how doctors offices, hospitals, and others can make billing errors.

Understanding Your Explanation of Benefits (EOB)
Learn about the Explanation of Benefits (EOB), a form or document that may be sent to you by your insurance company after you had a healthcare service.

Steps to Choosing the Best HMO or PPO
Whether you get health insurance from your employer or have to buy private insurance, learn how to choose between a PPO or HMO plan for your family.

Medicaid Eligibility, Benefits, and Regulations
Learn about Medicaid, a joint program of the federal and state governments to provide health coverage to the poor and people with disabilities.

Overview of Medicare Part B Health Insurance Plan
Learn all about Medicare Part B, also known as the Medical Insurance program, which helps cover the costs of medical services.

Overview of COBRA Health Insurance Information
Learn about COBRA, which provides you with insurance for you and your family, but COBRA can be very expensive.

What Affects Cost of Health Insurance in the U.S.
Learn about what determines how much your health insurance will cost you each month, including your age, the condition of your health, and more.

Massachusetts Health Insurance Information
Our article provides contact information for state offices and resources for obtaining and keeping health insurance coverage in Massachusetts.

What Are Standardized Health Insurance Plans?
Healthcare.gov's Simple Choice plans will be available for 2017. These standardized plans are expected to make plan comparison easier.

Understanding Managed Care (HMOs, PPOs, and POS Plans)
Learn about managed care plans, including health maintenance organizations (HMOs), preferred provider organizations (PPOs), and point of service (POS) plans.

Why Am I Being Forced Into Medicare at Age 65?
Learn why every American 65 or older is eligible for Medicare, even though not everyone wants it.

How to be Sure a Healthcare Prover is In-Network
Learn how to tell the difference between a provider accepting your health insurance and actually being in your network.

What's the Difference Between Medicaid and Obamacare?
Medicaid and Obamacare are not the same thing. Learn the differences between Obamacare and Medicaid, government health insurance for the poor.

Overview of Critical Illness Health Insurance
Learn what critical illness insurance is, what it does and doesn't cover, and how it works. Learn how much a policy pays, who it pays, and when.

Specialty Drugs and Health Plan Coverage
Learn what a specialty drug is, why a drug might be classified as a specialty drug, and how your health insurance treats specialty drugs differently.

What to Know Before Getting Out-Of-Network Care
Getting care out-of-network? Learn how to decrease the costs and risks associated with going outside of your health insurance provider network.

How Is Your DRG Determined?
Learn the basic concept of how a DRG is assigned to your hospital stay so you can better understand how your hospital bill works.

What 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 healthcare.

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.

How To Budget for a Health Insurance Deductible
Wondering how you'll afford your health insurance deductible? Get strategies to manage your deductible so you'll be able to pay it when it's due.

Overview of Health Insurance Deductibles
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.

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.

How the Health Insurance Subsidy Works
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.

Health Insurance Exemption Criteria
Learn how to qualify for a health insurance exemption if you're uninsured and don't want to pay a tax penalty.

Does Health Insurance Cover Transgender Healthcare?
The ACA prohibits discrimination in health care based on gender identity. But health plans are not required to cover gender reassignment procedures.

Movie Review: Sicko by Michael Moore
Sicko is a documentary film from filmmaker Michael Moore. In Sicko, Moore examines the American healthcare system and compares it to other countries.

What You Can Use Your HRA For
Learn what you can and can't use the funds in your health reimbursement arrangement for. Understand qualified medical expenses for your HRA.

Understanding Your Doctor's Prescription Abbreviations
Learning to read a prescription when your doctor uses abbreviations (based on Latin words) that tell your pharmacist which medication to give you.

Health Insurance: How Do I Obtain Charity Care?
Being uninsured severely limits one's ability to obtain timely and affordable health care. Charity care is an option for the uninsured.

What Are ICD-10 Codes and How Do They Work?
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 Choose the Best Supplemental Health Insurance
Learn how to pick the best supplemental health insurance: a policy that meets your needs from a solid insurer with good customer service track record.

What Is Supplemental Health Insurance?
Learn what supplemental health insurance is and what it isn't. Understand different types of supplemental health insurance. Learn what to beware of.

Catastrophic Insurance Vs HDHP—Not the Same
Learn the difference between catastrophic health insurance and a high deductible health plan HDHP. Avoid an expensive mistake; learn before you buy.

How Does a DRG Determine How Much a Hospital Gets Paid?
Medicare and certain private health insurance companies pay for hospitalizations of their beneficiaries using a DRG payment system. Learn about DRG.

What Is an Aggregate Deductible & How Does It Work?
Learn what an aggregate deductible is and how this type of family health insurance deductible works.

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.

Balance Billing—What It Is & How It Works
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.

Balance Billing—How To Handle It
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.

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 Exactly Is a Health Insurance Exchange, Anyway?
Learn what a health insurance exchange is, how it's used to comparison shop, buy health insurance, and get help paying for health insurance.

The Difference Between an HSA and FSA
Learn the difference between a Health Savings Account and a Flexible Spending Account. Find out which one, an FSA vs HSA, is a better fit for you.

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.

How to Lower Your Drug Costs in the Medicare Donut Hole
There are ways to save money on medications when you hit the donut hole and ways to actually prevent getting to the donut hole or delaying when you hit it.

Health Insurance and Pre-Existing Conditions
Applying for a new health insurance policy? Here's what you need to know about insurance exclusions, creditable coverage and pre-existing conditions.

What Are the Differences Between HMOs and PPOs?
The main types of managed care plans are health maintenance organizations (HMOs) and preferred provider organizations (PPOs). Learn the differences.

What is a Pharmacy Benefit Manager (PBM)?
A pharmacy benefit manager is a company that administers, or handles, the drug benefit programs that are part of health insurance coverage.

How to Find a Private Health Insurance Plan
Buying health insurance is the only health coverage option for some consumers. Private insurance may still be an option to save money.

How To Figure the Health Insurance Penalty for a Family
Have to pay a penalty tax because your family doesn't have health insurance? Learn to accurately calculate your penalty so you'll know what you owe.

HMO, PPO, EPO, POS - Which Plan Is Best?
Learn how HMO, PPO, EPO, and POS health plans differ. Understand how each type of health insurance works so you can choose what's best for you.

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.

How to Travel With Medications Guide
If you plan to travel to a foreign country, it is important that you provide for your medication needs before leaving. Find resources here.

Health Insurance Options for Young Adults
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.

Buying Mail Order Drugs Can Save You Money
Mail order drugs are prescription drugs delivered through the mail. There are both benefits and drawbacks of receiving mail order drugs.

What Happens if You Lose Your Health Insurance
Obamacare health insurance canceled because you didn't pay? See your insurance options, what happens to your unpaid bills, and if you owe a penalty.

Frequently Asked Medicare Questions
The Medicare program is made up of several

Frequently Asked Medicare Questions
The Medicare program is made up of several

Understanding Insurance Codes to Avoid Billing Errors
It may be useful for you to learn about medical codes used on EOBs, insurance claim forms and medical bills, especially if you have a chronic health problem.

Fighting a Health Insurance Claim Denial
If you use your health insurance, you might run up against a claim denial. Fortunately, routes are available for disputing claim denials.

An Overview of Medicare Benefits
This overview of Medicare benefits highlights the four different parts of the Medicare program, Part A, B, C and D, as well as MediGap Insurance.

Buy Health Insurance Vs Paying the Penalty
Unsure whether to buy health insurance or pay the penalty for being uninsured? Figure out how each choice affects your budget and medical expenses.

Learn About CHIP - Children's Health Insurance Program
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.

What Is an HMO and How Does It Work?
Learn how an HMO works in order to use it effectively use and avoid costly mistakes. If you're choosing a health plan, make sure it fits your needs.

An Overview of Health Insurance
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.

What You Need to Know about Online Pharmacies
Online pharmacies can provide you with an easy way to buy medications at a more affordable price. But there are a few things you should look out for.

Still Uninsured? Get Health Insurance With a Qualifying Event
Open enrollment for 2016 has ended. But if you experience one of these qualifying events, you'll have a special enrollment period.

How Your Obamacare Subsidies Change with Family Size
When you add or subtract family members from your exchange health insurance plan, the new cost - including your subsidy - might not be what you expect

Do Employers Reimburse Individual Health Insurance Premiums?
Under the ACA, employers cannot reimburse individual market health insurance premiums. If H.R. 5447 becomes law, that would change.

Is Pregnancy a 'Qualifying Event' for Health Coverage?
Having a baby triggers a special health insurance enrollment period, but just getting pregnant doesn't qualify you for coverage in most cases.

Choosing Between Different Health Insurance Options
When you've got multiple options for obtaining your health insurance coverage, there's a lot to consider when you're making your decision.

Health Insurance and Moving to a New Area
The ACA allows you to enroll in a new health plan mid-year if you move to a new location. But you must have already been insured prior to moving.

How to Get a Hardship Exemption from Health Insurance
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 a Sliding Scale Fee Structure?
Learn what a sliding scale fee structure is, how it makes health care services affordable for low-income​ patients, and see an example of how it works.

What Is a Health Insurance Claim Denial?
Learn what a health insurance denial is, why your health plan might deny a claim or pre-authorization request, and what to do if it happens to you.

What Doesn't Count Toward Your Out-Of-Pocket Limit?
Some of the money you pay for health care isn't credited toward your out-of-pocket maximum. Learn what doesn't count toward the out-of-pocket limit.

What Is Considered to Be a Small Group of Employees?
Employers with 50 or more workers are required to offer health insurance. But whether they must offer small or large group coverage varies by state.

The ACA's Tobacco Surcharge
tobacco use is still factored into premiums in most states. In fact, it's one of just three factors that carriers can use now to set rates.

ACA penalty in 2016 will be 5 times what it was in 2014
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.

Using an In-Network Provider Isn't Always the Best Deal
To pay the lowest price for health care, you need to do more than just choose any provider in-network with your health insurance.

What Is a Health Insurance Premium?
A health insurance premium is the payment that is made annually (or monthly) to a health care coverage provider that keeps health coverage fully active

Qualify for a Penalty Exemption for the Uninsured
If you were uninsured last year, you may owe a penalty when you file your taxes. But there's a long list of exemptions; one might apply to you.

Reconciling Your Premium Subsidy On Your Tax Return
If you got a premium subsidy last year, you need to reconcile it with the IRS when you file your tax return. Here's what you need to know.

When Is Open Enrollment on Health Insurance Exchanges?
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.

Multi-State Health Plans Don't Cover Out-Of-State Care
Learn why multi-state health plans don’t necessarily cover you out of state. A multi-state health plan is not the same as a nation-wide network.

Medicare and Medicaid Benefits Working Together
Learn what a dual eligible is, how Medicare and Medicaid work together providing benefits, and how benefits differ for the two types of dual eligibles.

Catastrophic Insurance Vs Critical Illness Insurance
Catastrophic health insurance and critical illness insurance aren't the same thing. Compare and learn the differences between them.

How To Get Low-Cost Vaccines for Uninsured Adults
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.

Can You Get Obamacare if You've Been Offered COBRA?
Learn how COBRA eligibility and electing COBRA affect Obamacare eligibility. Learn the importance of timing in choosing between COBRA and Obamacare.

What to Know When Losing Job-Based Health Insurance
If you're losing access to an employer-sponsored plan, you may be able to elect COBRA or you can choose a plan in the individual market.

Why Your Health Insurance Won't Pay for Your Care
Health insurance won't pay? Understand why your health plan is refusing to pay so you can fight back intelligently. See 5 common reasons.

Late Paying a COBRA Health Insurance Premium? What Now?
Learn what happens if you're late paying your COBRA insurance premium, how the grace period works, and when your COBRA premium is due. See examples.

What to Know About the Health Insurance Penalty
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.

Does Health Insurance Cover Infertility Treatment?
Infertility treatments can be very expensive. But in some states, the treatment is covered by health insurance plans.

Enrolling in a Health Plan for 2016
If you're uninsured or you want to switch to a different health plan for 2016, January 31 is the last day you can enroll or make a plan change for 2016.

Why Do I Still Pay for Health Care Even With Insurance?
Learn why you still have to pay medical bills even though you have health insurance. Find out what you can do about it.

Save Money on Medications With Pill Splitting
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.

How To Get Help When You Have Problems With Medicare
Have a Medicare question problem? Frustrated trying to find answers? Here are six resources to resolve Medicare problems or answer questions.

Health Care Sharing Ministries: Not As Comprehensive As Insurance
Health care sharing ministries are growing in popularity, but they lack many of the consumer protections of health insurance plans.

How To Calculate How Much You'll Owe in 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.

How the Subsidy for Your Out-Of-Pocket Maximum Works
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.

Obamacare and employer-sponsored health insurance
The ACA's impacts are often discussed in terms of individual health insurance, but the law has also made many changes to employer-sponsored insurance.

How Silly Mix-Ups Cause Health Insurance Claim Denials
Health insurance claim denials are frustrating, but they're not all disasters. Some are caused by simple mix-ups and are easy to fix. See examples.

How Drug Maker Pay-Offs Keep Drug Prices High
Learn how pharmaceutical companies use the pay-for-delay technique to keep generic drugs off the market, extend their profits, and make you pay more.

Understanding Your Health Insurance Copayment
How a health insurance copayment works, how tiered copays work, when you don’t have to pay copays and how the out-of-pocket limit caps ongoing copays.

An Overview of Hospice Care
Hospice is for the dying, but it's about living. Learn more about what hospice is, what it isn't, how it works, and how it's paid for.

Health insurance terminated? You can pick a new plan.
Open enrollment ends on January 31, but if your previous coverage was canceled​ as of December 31, you've got until February 29 to pick a new plan

Health Insurance Coverage of Children's Preventive Care
Health insurance pays for children's preventive health care without a deductible or copay. Learn which children's preventive services are included.

Health Insurance and Your Tax Return - What to Know
Starting with 2015 coverage, health insurance reporting to the IRS is mandatory. Insurers, large employers, and exchanges will report coverage.

Do Health Insurance Companies Make Unreasonable Profits
Private health insurance companies must remain profitable in order to stay in business. But their profits are modest compared with other industries.

Health Care You Can Get Without Paying Your Deductible
Your health insurance will pay for some health care before you’ve met your deductible. Learn what care you get without paying your deductible first.

EPO Health Insurance: How It Compares to HMOs and PPOs
Don't know the difference between an EPO and a PPO or HMO health plan? Learn how an EPO differs.

CPT Codes and HCPCS - What They Are and How They Work
Learn what CPT codes and HCPCS codes are and how they’re used in medical billing and health insurance. Learn to identify and look up insurance codes.

What You Should Know About Health Savings Accounts
HSA contributions reduce AGI, which can mean larger premium subsidies. HDHPs are low-cost health plans, and HSA funds will cover future medical bills.

How COBRA Affects Your Obamacare Subsidy
See how COBRA eligibility and COBRA coverage impact your ability to get an Obamacare health insurance subsidy or a subsidized Marketplace health plan.

Copays and Coinsurance. What's the Difference?
Ah, health insurance jargon! What's the difference between a copay and coinsurance? I have been asked this question many times through email, butafter

What to Do if Your Drug Isn’t on Your Health Plan Formulary
Learn your options when a drug you need isn’t on your health plan drug formulary. Ask for an exception to the formulary and other alternatives.

DRG 101: What Is a DRG and 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.

Health Insurance: External Review or Third-Party Review
External review is part of the health insurance claims denial process. It typically occurs when an independent third party reviews your claim.

Concierge Medical Practice
The following letter was recently sent to more than 1500 patients who belong to an internal medicine practice in a northeastern state. The majority of the patients who received this letter are on Medicare and live in a community that has limited access to primary care physicians. The letter provides a good example of the issues surrounding concierge medical practices.

Early Retiree Reinsurance Program
Because of the economic downturn and increasing health care costs many large American companies have stopped providing former employees with retiree health coverage. The Affordable Care Act, signed into law in March 2010, creates a new program called the Early Retiree Reinsurance Program.

What UnitedHealthcare Exiting Obamacare Exchanges Means for You
At the end of 2016, UnitedHealthcare will exit most of the 34 state exchanges where they currently offer plans. But the impact is likely to be small.

Am I Being Pushed Into Picking a Silver Health Plan?
When picking an insurance plan, some people feel that they are pushed into picking a Silver-tier Health Plan by the state's health insurance exchange.

Bronze, Silver, Gold & Platinum Health Plan Values
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.

About Concierge Medical Practice
Faced with the burdens of an aging population and low reimbursement for their services, many PCPs are leaving primary care or switching to concierge practices, a growing trend, also known as retainer, boutique, or direct medical practices.

Factors to Consider When You Get Health Insurance
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.

Health Reform and 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 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.

7 Mistakes to Avoid When Using Health Insurance
These 7 common health insurance mistakes could cost you money or prevent you from getting the care you need. Are you making one? Learn what NOT to do.

What You Need to Know Before Choosing a Health Plan
Choosing a health plan? Educate yourself with these resources before you shop for health insurance. Understand exactly what you're buying.

What Is COBRA Health Insurance?
The COBRA law lets you keep your group health insurance when you're laid off or divorced. Learn what COBRA health insurance is and its pros and cons.

No more lifetime or annual benefit maximums - but caveats apply
Health plans can no longer include annual or lifetime benefit maximums. But there are some caveats that apply.

Read this if you're curious about Colorado's Universal Coverage Plan
Colorado voters will decide in November whether the state should switch to a universal health insurance program. Here are some FAQs

Is the PPO an endangered species?
In an effort to curtail costs, health insurance carriers are increasingly turning to network restrictions, moving away from PPOs and broad networks.

On its own, loss of a job is NOT a qualifying event
The ACA includes a long list of qualifying events that trigger special enrollment periods. But loss of a job is not one of them.

When Is Open Enrollment for 2017?
Open enrollment for 2017 begins on November 1, 2016, and continues until January 31, 2017. Here are the important dates to mark on your calendar.

Supplemental Insurance Has Fewer Consumer Protections
Understand 5 caveats before buying supplemental health insurance. Supplemental insurance has fewer consumer protections than major-medical.

The Profit Margin on Supplemental Health Insurance Is High
Understand 5 caveats before buying supplemental health insurance. Supplemental insurance has a high profit margin and you supply the profits.

Supplemental Insurance Shouldn’t Be Your Only Health Plan
To avoid “gotchas,

Supplemental Insurance Won’t Avoid the Penalty for Being Uninsured
Understand 5 caveats before buying supplemental health insurance. Supplemental insurance alone won't let you avoid the penalty for being uninsured

Hard to Get Help Paying for Supplemental Insurance
Understand 5 caveats before buying supplemental health insurance. Unlike major-medical, help paying for supplemental insurance is hard to come by.

Are Generic Drugs as Safe / Effective as Brand-Name?
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.

5 Things to Know About Student Health Insurance
Student health insurance plans are offered by many colleges and universities. They still exist, but the ACA has changed them in many ways.

Why You Don't Qualify for a Health Insurance Subsidy
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's the Difference Between Copay and Coinsurance?
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 Is Catastrophic Health Insurance?
Catastrophic health insurance is meant as a financial safety net in case you have a health catastrophe. It will pay for extreme health care needs.

What Is a Provider?
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.

What is a Health Insurance Exclusion?
A health insurance exclusion is something that your health insurance plan will not pay for even if you need it in order to get, or stay healthy.

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.

Choose Between Obamacare and Job Based Health Insurance
Which is best, Obamacare or job-based health insurance? Compare exchange-based and job-based health plans & pick the best deal in 4 steps.

Step 1—Picking Obamacare Vs a Job-Based Health Plan
Which is best, Obamacare or job-based health insurance? Compare exchange-based and job-based health plans & pick the best deal. Step 1 of 4.

Picking Obamacare Vs a Job-Based Health Plan—Step 2
Which is best, Obamacare or job-based health insurance? Compare exchange-based and job-based health plans & pick the best deal. Step 2 of 4.

Picking Obamacare Vs a Job-Based Health Plan—Step 3
Which is best, Obamacare or job-based health insurance? Compare exchange-based and job-based health plans & pick the best deal. Step 3 of 4.

Picking Obamacare Vs a Job-Based Health Plan—Step 4
Which is best, Obamacare or job-based health insurance? Compare exchange-based and job-based health plans & pick the best deal. Step 4 of 4.

Using Health Information Technology to Manage Your Info
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).

Pre-Existing Condition—What It Is & Why It’s a Big Deal
See what a health insurance pre-existing condition is, why it’s a big deal, and how the Affordable Care Act and HIPAA improve but don't fix the issue.

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.

Medigap Policies - Medicare Supplemental Insurance
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

Health Insurance: Medical Errors and Health Reform
Preventable medical errors kill or seriously injure thousands of Americans every year. The Affordable Care Act aims to improve overall patient safety.

How to Avoid the 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

The Pros and Cons of Health Insurance Automatic Renewal
With health insurance automatic renewal, you’re automatically re-enrolled with the same health plan you’re currently in. This has both pros and cons.