Insurance Basics: Home
Many insurers offer different types of plans. The costs, coverage and rules differ for each
Your plan may have different rules and costs for different healthcare settings. In any setting, you may have to pay a copay, and in some cases, coinsurance. But, these may be waived for preventive services like flu shots and mammograms.
Your health insurance ID card is your proof of insurance. You use it when you visit the doctor, hospital or other provider.
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.
If you´re a woman, you have different healthcare needs than men. Women may need access to birth control, or prenatal and maternity 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."