Learn everything you need to know about selecting the right plan with our definitive "101" on health insurance.
Why you need it
If you're tempted to put off buying insurance, don't. Insurance helps you pay for
everyday expenses and provides a backup in case of serious illness.
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Protections
If you've had a major life change — such as loss of a job or spouse — you may find
yourself without health insurance. Don't feel overwhelmed. You have options.
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Individual plans
It's important to buy health insurance that will protect you and your family from
financial ruin if you get sick or have an accident. Here’s what you can expect when
shopping for insurance in the individual market.
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Types of plans
While insurance companies offer their own blend of benefits and pricing, most plans
fall into several main types such as fee for service, HMOs, PPOs, and High deductible
health plans.
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Benefits to look for
Evaluating health plans is difficult; here is a list of key benefits to keep in
mind.
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How to apply
Applying for health insurance is easy, understand what the plans do to assess your
risk and verify your information.
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If you can't find insurance
Maybe you don't have the option of a job-based health plan and insurance companies
have denied your application or offered sky-high prices due to your health profile.
Don't despair; you have alternatives such as state high-risk pools and limited-benefit
plans.
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Ways to pay
Reduce your health care costs by selecting a high deductible health plan and setting
up a health reimbursement arrangement or a health savings account. Find out which
expenses are eligible to pay for health services and products not covered by your
plan.
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Changing your insurance
Major life events require corresponding changes to your health insurance. This section
is an overview of how to make sure your insurance keeps pace with your life.
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Handling insurance problems
A guide to your rights as a beneficiary and how to exercise them. Learn about the
appeals process and how to file a complaint.
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