Insurance Basics: Home
A new way of getting healthcare is becoming common. Called telehealth or telemedicine, it lets people get healthcare without traveling. Telehealth uses electronic devices such as phones and computers to deliver healthcare services and clinical information across distances.
Regular dental care is important for all people, but especially for children. The Affordable Care Act (ACA) requires federal and state-run health insurance exchanges to offer children´s dental coverage.
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.
Your health insurance ID card is your proof of insurance. You use it when you visit the doctor, hospital or other provider.
Since providers are able to decide how much to charge for out-of-network care, sometimes that charge might be higher than you expected.
New rules have expanded access to two types of limited health insurance plans. They are association health plans (AHPs) and short-term, limited duration (STLD) health plans. Because they don’t have to follow the Affordable Care Act, these plans can cost less than regular health plans. But, they have limitations you should know.
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Most plans have provider "networks", or a group of doctors, hospitals and other healthcare providers who agree to accept the amount your plan pays. If you see providers outside the network, you'll probably pay more.
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If your plan won't pay for a service, or pays less than expected, you can appeal.