Insurance Basics: Home
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.
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.
Employers offer health coverage to their workers in several ways. Some buy an “off the shelf” plan from a commercial insurance company.
An Accountable Care Organization (ACO) is a group of doctors or hospitals who have agreed to work together to coordinate and improve their patients´ care
Being covered under two health plans doesn't mean the two plans will pay the same amount twice for the same doctor visit. Instead, the plans follow rules about which plan pays what, known as "coordination of benefits."
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.