Insurance Basics: Home

Benefits for People with Disabilities

A disability is a health issue that limits what you can do. There are public and private sources of benefits for children, adults and veterans with disabilities, and their caregivers.

Benefits for People with Disabilities
Dental Coverage for Children

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.

Dental Coverage for Children
Narrow Networks

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

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 Can You Enroll In a Health Plan?

Health insurance is important. It protects you against what can be the very high costs of healthcare. But, to get health insurance, you need to enroll, or sign up. And, in most cases, you can’t enroll in a health plan any time you want. You have to do it during certain times.

Wellness Programs: Coverage for Promoting Healthy Living

Healthy lifestyle behaviors include regular exercise and nutritious eating. Are you looking to carry out such behaviors but unsure how to start? If so, you may want to explore the wellness programs offered by your employer or health insurance plan.

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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 visit a doctor who doesn´t take your plan, your insurer might not pay.

Did You

Know

Before you choose a new health plan, make sure it covers the doctors, hospitals, services and medicines that you use the most.