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.
Anesthesia is used to block pain, relax you or control how awake you are. It is used during surgery or other complex procedures. You may need anesthesia even if you´re not in an operating room.
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.
Whatever age you are when you retire, you have health insurance options.
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.
Being covered under two health plans doesn't mean the two plans will pay the same amount twice for the same doctor visit. Instead, the plans follow rules about which plan pays what, known as "coordination of benefits."