Insurance Basics: Home
Your employer may offer more than one health plan, or you may be shopping for your own individual plan.
Orthodontics is the field of dentistry that fixes misaligned teeth and jaws using braces and other corrective procedures. Many dental plans cover orthodontics, but the coverage often differs from other dental services.
Health insurance protects you from paying the full cost of your care. But, you will likely still have to pay some money out of your pocket. Almost all plans call for “cost sharing”. That means your insurer pays for part of your care, and you pay for part.
Most health plans don´t cover treatments they regard as “experimental”. Sometimes, they may deny a claim for such a treatment.
Receiving care from a provider in your health plan´s network usually costs you much less than going to an out-of-network provider.
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.