Insurance Basics: Home
Your employer may offer more than one health plan, or you may be shopping for your own individual plan.
Most medical plans do not include coverage for many dental services. Often, dental services are covered under a separate plan. Like medical plans, most dental plans have specific out-of-pocket costs, like coinsurance, copayments and deductibles.
Suppose your insurer won´t pay for a healthcare service, or pays less than you had expected. You have the right to “appeal”, or ask for your case to be formally reconsidered.
Most health plans have a “network”, a group of doctors, hospitals and other healthcare providers who agree to take your insurer´s rate.
If you´re a woman, you have different healthcare needs than men. Women may need access to birth control, or prenatal and maternity care.
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.