Insurance Basics: Home
Your employer may offer more than one health plan, or you may be shopping for your own individual plan.
Your plan contracts with a wide range of doctors and other practitioners, as well as hospitals, labs, radiology facilities, pharmacies and other providers. These are the providers in your “network”. Each of these providers has agreed to take your plan´s contracted rate as payment in full for services.
Suppose your insurer won´t pay for a healthcare service, or pays less than you had expected. You have the right to “appeal”, or ask for your case to be formally reconsidered.
Suppose you receive care in a hospital that is in your health plan´s provider network. You may still get a bill from providers who treated you at the hospital but are not part of your plan´s network.
You might think your health insurance plan will cover just about anything, from eyeglasses to private nursing. But you would probably be wrong. There are some healthcare services that most health plans don't cover. This guide will tell you about them.
If you’re planning a trip, the last thing you may want to think of is healthcare. But accidents and
illnesses can happen on the road as well as at home. Here are the basics on using health insurance while
traveling.
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If you visit a doctor who doesn´t take your plan, your insurer might not pay.
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If your bill was larger than expected, you can use your cost estimate to negotiate with your doctor.