Insurance Basics: Home
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.
Doctors and insurers use standard codes for each medical service or supply. That helps them communicate about treatments and payments clearly.
By law, consumers living in New York State have certain protections when shopping for and using their health insurance. Your insurer must provide up-to-date information about who is in your network.
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.
Since providers are able to decide how much to charge for out-of-network care, sometimes that charge might be higher than you expected.
If you’re 65 or older, figuring out how Medicare works and when to sign up can be challenging. It can be hard to know what kind of coverage you’ll need. There are Part A, Part B, Part D, Medicare Advantage plans (Part C) and Medigap. There also are other complex terms to know. This article will cover the basics of what you need to know about Medicare.