Insurance Basics: Home

Planning Your Costs Based on Where You Get Care

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.

Planning Your Costs Based on Where You Get Care
Narrow Networks

Health plans negotiate the price of medical services with certain doctors, hospitals, labs and other providers.

Narrow Networks
Provider Networks

Your plan may contract with doctors, dentists and other healthcare practitioners; hospitals; labs; radiology facilities; pharmacies and other types of providers. These are the providers in your “network”.

Health Insurance in Retirement

Whatever age you are when you retire, you have health insurance options.

Experimental Treatments and Clinical Trials

Most health plans don´t cover treatments they regard as “experimental”. Sometimes, they may deny a claim for such a treatment.

When Out-of-Network Care Can be Covered In Network

Receiving care from a provider in your health plan´s network usually costs you much less than going to an out-of-network provider.

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IN AND OUT OF NETWORK

When Out-of-Network Care Can Be Covered in Network
PLAN COSTS

Flexible Spending Plans
YOUR RIGHTS

Appealing a Reimbursement Decision
KNOW BEFORE YOU GO

Choosing Your Healthcare Provider In-Network and Out-of-Network Care