Insurance Basics: Home
Orthodontics is the field of dentistry that fixes misaligned teeth and jaws using braces and other corrective procedures. Many dental plans cover orthodontics, but the coverage often differs from other dental services.
A cancer diagnosis can change your life. While cancer care will differ by individual circumstances and the type of cancer, identifying ways to cover the costs associated with cancer can help you plan. This guide will help you to understand your options to pay for cancer care. It will explain the costs of cancer care, describe commercial and government coverage, and give you some tips on other ways to plan for the costs of your cancer care.
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”.
Most health plans don´t cover treatments they regard as “experimental”. Sometimes, they may deny a claim for such a treatment.
If you´re a woman, you have different healthcare needs than men. Women may need access to birth control, or prenatal and maternity care.
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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If your plan won't pay for a service, or pays less than expected, you can appeal.
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If you live in New York State, you are protected from surprise medical bills.