Insurance Basics: Home
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.
Health plans negotiate the price of medical services with certain doctors, hospitals, labs and other providers.
Most health plans cover medically necessary visits to an eye doctor. Sometimes they cover routine eye exams too, but to get complete vision coverage you may have to go to other sources. This article will tell you about those sources.
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.
If you or someone close to you has opioid use disorder, also called opioid addiction, you aren’t
alone. The United States is in the middle of an opioid crisis. Find out about how you can afford treatment—no matter
what your income level is—and about resources for support.
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."