Insurance Basics: Home
Your employer may offer more than one health plan, or you may be shopping for your own individual plan.
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”.
The Affordable Care Act (ACA) of 2010 makes it easier for many Americans to get health insurance. It also expands the services that health plans need to cover.
Health insurance protects you from paying the full cost of your care. But, you will likely still have to pay some money out of your pocket. Almost all plans call for “cost sharing”. That means your insurer pays for part of your care, and you pay for part.
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."
Healthy lifestyle behaviors include regular exercise and nutritious eating. Are you looking to carry out such behaviors but unsure how to start? If so, you may want to explore the wellness programs offered by your employer or health insurance plan.