Insurance Basics: Home
Skipping health insurance may seem like you’re saving money in the short run—especially if you’re young and healthy. But the cost of getting care without health insurance can be more than you expect. An unforeseen hospital stay, for example, can cost you tens of thousands of dollars.
Your plan´s rules and costs may differ for some types of care. Knowing these rules can help you control your costs and get the right care in the right setting.
Healthcare proxies and advance healthcare directives can help you plan your care if you ever lose the ability to communicate clearly.
Your plan may contract with doctors, dentists and other healthcare practitioners; hospitals; labs; radiology facilities; pharmacies and other types of providers. These are the providers in your “network”.
If you or someone close to you has opioid use disorder, also called opioid addiction, you aren’t
alone. The United States is in the middle of an opioid crisis. Find out about how you can afford treatment—no matter
what your income level is—and about resources for support.
Acupuncture, chiropractic care and massage therapy have one thing in common: They may not be covered by insurance. That’s because they may be looked at as alternative treatments, not part of conventional medical care.