Insurance Basics: Home
Many insurers offer different types of plans. The costs, coverage and rules differ for each
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.
Your plan contracts with a wide range of doctors and other practitioners, as well as hospitals, labs, radiology facilities, pharmacies and other providers. These are the providers in your “network”. Each of these providers has agreed to take your plan´s contracted rate as payment in full for services.
Flexible spending plans let you set aside money from your paycheck. You can use it to pay for care before meeting your deductible, and for copays and coinsurance afterward.
Receiving care from a provider in your health plan´s network usually costs you much less than going to an out-of-network provider.
If you or someone close to you has opioid use disorder, also called opioid addiction, you aren’t
alone. The United States is in the middle of an opioid crisis. Find out about how you can afford treatment—no matter
what your income level is—and about resources for support.