Insurance Basics: Home

How to Deal with COVID-19 Medical Costs

Thanks to a law passed in the spring of 2020, most Americans can be tested for COVID-19 for free. But that law didn’t make treatment for the virus free. Medical services for COVID-19 can be costly and sometimes run into tens of thousands of dollars. Whether or not you’ve been diagnosed with COVID-19, you can take steps now to understand your protections under the law and manage the costs of your treatment.

How to Deal with COVID-19 Medical Costs
Coverage for Family Planning, Fertility and Pregnancy Services

Planning when to start a family is a big decision, and getting the care you need is important every step of the way. This guide will tell you about types of benefits, types of providers and places to give birth.

Coverage for Family Planning, Fertility and Pregnancy Services
How to Review Your Medical Bill

After you visit a provider, you may get a bill telling you how much you have to pay.

If Your Plan Doesn't Pay (Appealing a Reimbursement Decision)

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.

Negotiating Your Costs

Since providers are able to decide how much to charge for out-of-network care, sometimes that charge might be higher than you expected.

Experimental Treatments and Clinical Trials

Most health plans don´t cover treatments they regard as “experimental”. Sometimes, they may deny a claim for such a treatment.