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.
Skipping health insurance may seem like you’re saving money in the short run—especially if you’re young and healthy. But the cost of getting care without health insurance can be more than you expect. An unforeseen hospital stay, for example, can cost you tens of thousands of dollars.
Your health insurance ID card is your proof of insurance. You use it when you visit the doctor, hospital or other provider.
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”.
Whatever age you are when you retire, you have health insurance options.
If you´re a woman, you have different healthcare needs than men. Women may need access to birth control, or prenatal and maternity care.
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If your bill was larger than expected, you can use your cost estimate to negotiate with your doctor.
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If your plan won't pay for a service, or pays less than expected, you can appeal.