Insurance Basics: Home

Health Insurance ID Cards

Your health insurance ID card is your proof of insurance. You use it when you visit the doctor, hospital or other provider.

Health Insurance ID Cards
Coverage for Cancer Care

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.

Coverage for Cancer Care
Insured and Self-Insured Plans

Employers offer health coverage to their workers in several ways. Some buy an “off the shelf” plan from a commercial insurance company.

If Your Plan Doesn't Pay (Appealing a Reimbursement Decision)

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.

Out-of-Network Docs at In-Network Facilities

Suppose you receive care in a hospital that is in your health plan´s provider network. You may still get a bill from providers who treated you at the hospital but are not part of your plan´s network.

FH® Total Treatment Cost

If you have an ongoing illness or need a complicated procedure, it’s a good idea to get an FH Total Treatment Cost estimate.

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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

Did You

Know

If you choose a high-deductible health plan (HDHP), you´ll pay less each month than you would in a traditional plan. But, you´ll also have to pay more up front before your plan starts paying for your care.

Did You

Know

After you visit the doctor, your plan may send you an “Explanation of Benefits”, or EOB, explaining how much they paid and why. If you owe any money, you´ll get a bill directly from your provider.