Insurance Basics: Home

Getting Covered

There are three main sources of health coverage. The first is your job. The second is a plan that you buy. The third is a government program for older, disabled or low-income

Getting Covered
Shared Decision Making

We often rely on our doctors to tell us what care we need. But to get the best care, you and your doctor should make decisions together. This process is called “shared decision making”.

Shared Decision Making
Types of Health Plans

Many insurers offer different types of plans. The costs, coverage and rules differ for each

Dental Coverage for Children

Regular dental care is important for all people, but especially for children. The Affordable Care Act (ACA) requires federal and state-run health insurance exchanges to offer children´s dental coverage.

Protections for New York Consumers: Understanding Your Out-of-Pocket Costs

By law, consumers living in New York State have certain protections when shopping for and using their health insurance. Your insurer must provide up-to-date information about who is in your network.

Experimental Treatments and Clinical Trials

Most health plans don´t cover treatments they regard as “experimental”. Sometimes, they may deny a claim for such a treatment.

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