Insurance Basics: Home
Many insurers offer different types of plans. The costs, coverage and rules differ for each
A disability is a health issue that limits what you can do. There are public and private sources of benefits for children, adults and veterans with disabilities, and their caregivers.
After you get care, your provider sends a bill, or “claim,” to your insurance company. Your insurance company handles the claim and sends you an Explanation of Benefits (EOB).
Your plan may have different rules and costs for different healthcare settings. In any setting, you may have to pay a copay, and in some cases, coinsurance. But, these may be waived for preventive services like flu shots and mammograms.
Since providers are able to decide how much to charge for out-of-network care, sometimes that charge might be higher than you expected.
Sometimes you know ahead of time that a major event will happen in your life. Examples might include getting married or divorced, changing jobs or having a baby. Other times, such as at a death, you may not have advance warning.