Understanding Health Insurance
Why Health Insurance
Navigating the world of health insurance can be confusing, especially for those who are new to it. Health insurance is there to help keep the cost of routine and emergency medical care low and improve the health of everyone.Insurance Helps You
- Protect your finances from unexpected expenses
- Improve your access to healthcare
- Maintain health through preventative care
Need help choosing a plan?
Understanding Health Insurance Basics
Understanding Your Health Insurance Benefits
Preventative, Annual Check-ups
Prescription Medication Costs
Emergency Room Visits
Chronic Disease Management
Maternity and Newborn Care
In- and Out-patient Surgeries
Lab and Imaging Services
Therapy and Counseling
Health Insurance How-To's
Get to Know Your PlanUnderstand your plan’s coverage, including your deductibles, copays and doctor network.
Use an In-Network DoctorChoosing doctors from your health plan's network ensures you are not overpaying for healthcare.
Use Preventative Care BenefitsMost plans cover your yearly wellness exam at 100%, meaning that visit will cost you nothing.
Manage MedicationsAsk your doctor about generic versions of your medications to help you reduce costs while getting the same benefits.
Get Referrals Set UpIf you need a primary care provider (PCP) referral for specialists, ensure you get those before your specialist visit.
Organize Your Medical RecordsKeep track of your EOBs and medical bills to ensure you have all documentation for claims and taxes.