Insurance Basics: Home
Your employer may offer more than one health plan, or you may be shopping for your own individual plan.
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.
Receiving care from a provider in your health plan´s network usually costs you much less than going to an out-of-network provider.
Most health plans have a “network”, a group of doctors, hospitals and other healthcare providers who agree to take your insurer´s rate.
An adult day program is a type of long-term care program you go to during the day. Program costs vary, but most aren’t covered by health insurance.