Insurance Basics: Home

What Young Adults Need to Know about Health Insurance

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.

What Young Adults Need to Know about Health Insurance
Types of Health Plans

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

Types of Health Plans
Code Modifiers: How they Affect You

Doctors and insurers use standard codes for each medical service or supply. That helps them communicate about treatments and payments clearly.

When Out-of-Network Care Can be Covered In Network

Receiving care from a provider in your health plan´s network usually costs you much less than going to an out-of-network provider.

Help with Insurance Issues

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."

Managing Costs for Day Programs for the Elderly and Disabled Younger Adults

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.