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.
Many insurers offer different types of plans. The costs, coverage and rules differ for each
Your health insurance ID card is your proof of insurance. You use it when you visit the doctor, hospital or other provider.
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.
Your plan may contract with doctors, dentists and other healthcare practitioners; hospitals; labs; radiology facilities; pharmacies and other types of providers. These are the providers in your “network”.
Since providers are able to decide how much to charge for out-of-network care, sometimes that charge might be higher than you expected.