Insurance Basics: Home
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.
A cancer diagnosis can change your life. While cancer care will differ by individual circumstances and the type of cancer, identifying ways to cover the costs associated with cancer can help you plan. This guide will help you to understand your options to pay for cancer care. It will explain the costs of cancer care, describe commercial and government coverage, and give you some tips on other ways to plan for the costs of your cancer care.
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.
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."
Sometimes you know ahead of time that a major event will happen in your life. Examples might include getting married or divorced, changing jobs or having a baby. Other times, such as at a death, you may not have advance warning.
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.