Insurance Basics: Home

Choosing a Health Plan

Your employer may offer more than one health plan, or you may be shopping for your own individual plan.

Choosing a Health Plan
What Young Adults Need to Know about Health Insurance

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.

What Young Adults Need to Know about Health Insurance
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.

Emergency Care and Urgent Care

Your plan´s rules and costs may differ for some types of care. Knowing these rules can help you control your costs and get the right care in the right setting.

Paying for Orthodontics (Braces)

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.

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.