Insurance Basics: Home
Thanks to a law passed in the spring of 2020, most Americans can be tested for COVID-19 for free. But that law didn’t make treatment for the virus free. Medical services for COVID-19 can be costly and sometimes run into tens of thousands of dollars. Whether or not you’ve been diagnosed with COVID-19, you can take steps now to understand your protections under the law and manage the costs of your treatment.
Most health plans don´t cover treatments they regard as “experimental”. Sometimes, they may deny a claim for such a treatment.
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."
This article will tell you what Medicaid is and how it works. It will also tell you whom and what Medicaid covers, including long-term care, and how to sign up for it. Finally, it will tell you about dual eligibility for adults 65 and older who qualify for both Medicare and Medicaid. This article doesn’t provide legal or financial advice. Consider speaking to a financial advisor or lawyer if you have questions about your specific situation.
Long-term care is medical and nonmedical care that you receive for an extended period of time, at home, in your community or in a residential facility. This article will tell you how to manage the costs of long-term care. This article does not provide medical, financial or legal advice.