Health Insurance Basics

Learn the basics about health insurance including open enrollment period, rate factors, the different kinds of health insurance, and how to shop for it and get your best deal

When is Open Enrollment for Health Insurance 2024?

Here are all the dates, deadlines and details you need to know to get health insurance coverage for 2024.

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Does My Health Insurance Cover Weight-Loss Treatments?

Millions of Americans are overweight and even obese. That means millions of people in the U.S. need to lose weight. Here's all you need to know about whether or not your health plan covers various weight-loss treatments and services.

couple looking at medical bills

Which Medical Treatments Are Covered By Health Insurance?

From mental health care to physical therapy, not all plans are created equal. Find out which treatments are covered by your health insurance plan and which are not.

mothers pregnancy bottles money

Unexpected Pregnancy Costs and How Health Insurance Covers (or Doesn't Cover) Them

Having a baby is stressful and expensive enough without throwing unexpected costs and issues into the mix. Thankfully, U.S. health plans cover quite a few of them.

health insurance policy papers and money

What is the Average Cost of Health Insurance Coverage?

While the average cost of health insurance is $438 a month, many factors can change that. How do your rates compare?

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Short-Term Health Insurance

Which medical services do these temporary health plans cover? What don't they cover? How much do they cost? Who should and shouldn't buy them? Here are answers to those questions and more.

occupational therapy health insurance coverage

Does Health Insurance Cover Occupational Therapy?

Occupational therapy helps people regain life skills lost through injury or illness. So, health insurance should cover it, right? Yes, most health plans do cover it – but how they do so can vary widely.

Does Health Insurance Cover Chiropractors and Chiropractic Care?

Most health insurance plans cover at least some of the costs of chiropractic care. Here's when, how and why they do so.

stethoscope on money pile

Health Insurance Rate Factors

The ACA limits what health insurance companies can use to set your premium. Here's how this affects your rates.

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COBRA Insurance: What You Need to Know to Keep Health Insurance Coverage

Important facts and information about COBRA health insurance: How much it costs, who can get it, what's covered, and how long you can keep it.

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Health Insurance and Senior Citizens

Seniors have more options when it comes to obtaining health insurance than any other segment of the population. Here’s some information about, and expert advice for, each of them.

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How can I get health insurance if I'm a part-time employee?

Here are your options if your job doesn't provide health insurance coverage.

Does My Health Insurance Cover Dental Care?

Most health insurance plans don't cover dental care. There are exceptions, as well as dental-specific insurance plans.

woman deciding

11 Questions That Will Help You Pick the Right Health Insurance Plan

Not sure how to choose a health insurance plan that’s right for you? We can help.

optomologist helping patient

Health Insurance and Eye Care Coverage

Much like dental and hearing care, standard health plans in the U.S. rarely cover vision care. Why is that the case? And what other insurance options are available to Americans who want to cut their eye-care costs? Keep reading for answers to both questions and many more.

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Cadillac vs. Catastrophic Health Insurance Plans

Although both of these types of health policies begin with a "c," that's nearly all they have in common. Keep reading to learn more about them how they differ from each other.

couple looking at eob statement

Understanding Explanation of Benefits (EOB) Statements

You know that Explanation of Benefits (EOB) statement your health insurance company sends out after you visit a doctor, clinic, or hospital? Here's how you can make sense of all the information included on it.

senior woman with medical alert necklace

Does Health Insurance Cover Medical Alert Systems?

What are medical alert systems? How do they work? Who needs them? Who sells them? How much do they cost? And, perhaps most importantly, does health insurance cover them? You’ll answers to those questions and others here.

stethoscope on top of money

Understanding Health Insurance Deductibles and Out-of-Pocket Maximums

Along with copayments and coinsurance, these are two of the most basic components of a health insurance plan. What are the differences between deductibles and out-of-pocket limits?

woman shocked by birth control cost

Health Insurance and Birth Control or Contraceptives

Women (and men) who want or need to use birth control have a ton of options these days. But do U.S. health plans usually cover those contraceptives? You’ll find answers to that question and many others in this article.

prescription drugs

Will My Health Insurance Pay for My Prescription Drugs and Medications?

Although most U.S. health plans cover medications, they don't always do so in the same ways or to the same extent. Here's everything you need to know about how different health insurance plan types deal with prescription drugs.

doctor checking baby with mother

Maternity Health Insurance Coverage During Pregnancy

For many people, giving birth is the single most important yet expensive healthcare event in their lives. Having proper health insurance and maternity coverage is vital for expectant mothers.

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Does Health Insurance Cover Your Medical Care When You Travel Abroad?

Getting ready to go on an international vacation or trip? Make sure you know what your health plan will or won't cover if you visit a doctor or hospital abroad before you leave.

tax forms for health insurance deduction

Health Insurance and Tax Deduction Claims

Health insurance is expensive. You can make it less so, though, if you deduct some of what you spend on it from your taxes. Here’s all you need to know about when you can and can’t write off health insurance expenses as well as how you can do so.

prescription drugs and glass of whiskey

Will my Health Insurance Cover Substance Abuse Treatment?

Substance abuse is a serious issue that affects many Americans. Fortunately, getting insurance to cover the costs of substance abuse treatment is becoming easier than ever.

Health Insurance for People with Pre-existing Conditions

Health Insurance for People with Pre-existing Conditions

By law, most health insurance plans have to cover people with pre-existing conditions. But which plans are the best? Which ones are the worst? And which ones don’t have to cover those conditions? You’ll find answers to all these questions and more here.

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How to Dispute Medical Bills and Health Insurance Claim Denials

Here’s how to file an appeal if your health insurance denies your medical bill or insurance claim.

european ambulance

Everything You Need to Know about Travel Medical and Emergency Medical Evacuation Insurance

Consider buying either Travel Medical, Emergency Medical Evacuation Insurance, or both of these products if you want to be covered while traveling outside the U.S.

senior woman getting hearing aid

Does Health Insurance Cover Hearing Aids and Hearing Tests?

Hearing loss is a fact of life for millions of Americans, yet U.S. health insurance plans provide spotty coverage for hearing tests, hearing aids, and the like. Here's all you need to know about why that is and what you can do about it.

Piggy bank on Health savings account paperwork

What’s a Health Savings Account (HSA)? Do I need one?

People with high deductible health insurance plans can enroll in a health savings account (HSA) to help pay for their medical expenses.

kid getting flu shot

Will My Health Insurance Cover Flu Shots and Vaccinations?

Most health plans cover flu shots and other vaccines, including employer, marketplace, Medicare and Medicaid plans.

acupuncture needles in skin

Your Guide to Alternative Medicine and Health Insurance

Many patients want alternative health care, but getting insurance coverage can be tough. Here's what you need to know to get the most out of your health insurance.

doctor and mother with baby

Health Insurance and Infertility Treatment Coverage

You're mostly out of luck if you get health coverage through the federal marketplace, Medicare, or Medicaid. If you get it through an employer, though, it may just help you pay for this often-pricey medical care.

patient with dementia

Does Health Insurance Cover Alzheimer's and Dementia Care?

Experts expect the number of people living with some type of dementia to skyrocket in the coming years. Will health insurance or Medicare cover all the related costs if you're one of them? It depends on the plan, your financial situation, and more.

essential oils for aromatherapy

Health Insurance and Essential Oil Aromatherapy

The history of essential oils dates back thousands of years. But does health insurance cover those treatments? You’ll learn about that and more here.

smiling college student

The Best Affordable Health Insurance for College Students

If you are, or are going to be a college student, you have many options when it comes to getting health insurance coverage while keeping costs low.

pregnant woman and doctor

What Does Health Insurance Cover After Pregnancy?

You probably already know that most U.S. health plans cover a lot of prenatal care. But did you know they cover a lot of postnatal care, too? Here's all you need to know about the many services and treatments insurance usually covers after you have a baby.

11 Things to Consider Before You Buy Cancer Insurance

What is cancer insurance? Which companies sell cancer insurance? You'll find answers to these and other questions here.

doctor examining baby

How to Choose the Best Health Insurance Plan for Your Pregnancy

If you want to have a baby, you need health insurance. Here's how to get the best health plan for your pregnancy.

patient receiving physical therapy

Does My Health Insurance Cover Physical Therapy?

Here's everything you need to know about how different health insurance plans cover — or don't cover — physical therapy.

couple looking at health insurance policy

Picking the Right Plan When Both Spouses Have Employer-Sponsored Health Insurance

Do you and your spouse get health insurance from an employer? Here's how to decide which plan to use.

foot in orthotics device

Health Insurance and Orthotics Coverage

Here is everything you need to know about how, when and why health insurance does and doesn’t cover orthotics.

runner with prosthetic leg

Will My Health Insurance Pay For Prosthetics?

Millions of Americans need artificial body parts to lead active lives. Most health plans pay at least some of the related costs, but that's not the whole story. Here's all you need to know about how insurance covers prosthetic devices.

High Deductible Health Insurance Plans

High-Deductible Health Insurance

What is high-deductible health insurance? How is it different from other kinds of health insurance? And can you save money with a high-deductible health plan? You’ll find answers to each of those questions and many more in this article.

nurse giving patient chemotherapy

Health Insurance and Chemotherapy

Does insurance cover chemotherapy? It does, but that’s just part of the story. Here’s everything you need to know about how different health plans cover this cancer treatment, how much it costs with and without insurance, and how cancer insurance fits into the picture.

What is the Average Cost of Health Insurance?

While the average cost of health insurance is $452 a month, many factors can change that. How do your rates compare?

plastic and cosmetic surgery

Does Health Insurance Cover Cosmetic Surgery?

Millions of Americans go under the knife every year to enhance their appearance in one way or another. Does health insurance cover those procedures?

midwife touching pregnant woman stomach

Alternative Birth Options and Health Insurance Coverage

Although most women in the U.S. deliver babies in a hospital, that's far from their only option these days. Here's how health plans treat alternative birth options.

5 Ways You Can Prepare for a Doctor Visit

Follow these five steps so you can get the best possible care during your doctor visits. 

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Long-Term Care Insurance Basics

Long-term care is expensive, and this type of insurance can help you pay for some or all of the services provided by long–term care.

doctor holding marijuana and prescription medication

Does Health Insurance Cover Medical Marijuana?

Health insurance doesn’t cover medical marijuana, but it does cover some FDA-approved drugs containing synthetic weed.

female doctor

Health Insurance and Abortion Coverage: Do Health Plans Pay for an Abortion?

Where you live has a lot to do with whether or not you have access to health plans that cover abortion. Also important: whether you get insurance through a job, the federal and state marketplaces, or programs like Medicaid and Medicare.

Does Health Insurance Cover Therapy or Counseling?

Most health insurance plans cover at least some mental health care. That includes Obamacare, Medicare and Medicaid plans.

couple getting married - a qualifying life event

Health Insurance Special Enrollment Periods and Qualifying Life Events

Did you miss buying health insurance during the yearly open enrollment period? You can still get coverage during a special enrollment period. To qualify for one, you need a “change in situation.” Here’s what that means and what you can do about it.

girl using asthma inhaler

Health Insurance for People with Asthma

Asthma can be a complicated condition to treat and manage. And those complications often make living with the chronic disease expensive. Health insurance provides some relief, but only if you have the right plan. Here’s all you need to know about how various US health plans do and don’t cover asthma care.

How to Choose a Health Insurance Plan

What health insurance should you get? Our guide will help you answer this question and pick the right health plan for you.

HMO vs. PPO

HMO vs. PPO: What do those letters mean?

Learn the difference between HMO and PPO health plans and which one could be the right choice for you and your family

psychiatrist with patient

What Kinds of Mental Health Care Does Health Insurance Cover?

Today's health insurance plans do a better job than ever of covering mental health services and treatments. Here's why and how they provide that coverage.

dollar bill that says obamacare subsidy

What is the Health Insurance Subsidy and How Do I Qualify for It?

As long as Obamacare continues to exist, you can save money on health insurance coverage via premium tax credits if you meet certain criteria. Here's everything you need to know about these important subsidies.

nurse helping disabled senior woman

Health Insurance for People with Disabilities

If you have a disability, having good health insurance is a must. Find out what insurance covers disabilities, and how you can get covered.

woman thinking about choices

Health Insurance Plans for Individuals

Individuals have more options than ever when it comes to getting health insurance away from a job. But which individual health insurance plans are the best in this kind of situation? And where can you buy them?

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Low-Cost Health Insurance

Health insurance isn't known for being overly cheap, but that doesn't mean it's impossible to find affordable plans that will properly cover you and your loved ones. Here are a number of options to consider.

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Which Type of Health Insurance Plan is Right for You?

Looking for health insurance but don’t know an indemnity plan from a Preferred Provider Organization? We’ve got you covered.

couple filling out health insurance application form

How to Find out What Your Health Insurance Plan Covers

Before you go to the doctor for any reason or face the possible need for a medical procedure or treatment, one of your first questions is probably “Will my health insurance cover this?” Answering that question isn’t always easy. Health insurance is complicated and the jargon used can seem like gobbledygook.

doctor specializing in sports medicine

Health Insurance and Sports Medicine

If you’re injured doing something athletic, you may have to see a sports medicine specialist for treatment. But will health insurance cover the initial visit and any resulting care? It depends on your policy and even on your injury, as you’ll learn in this article.

awake man with sleep disorder

Does Health Insurance Cover Sleep Disorders?

Many people have trouble one of several well-known sleep disorders. Here’s what you need to know about how health insurance covers sleep disorders

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Health Insurance for People with Diabetes

Most health plans now cover this common disease to some degree. But what should you consider while buying health insurance if you have diabetes? You’ll learn about that and more.

Couple looks at documents

Domestic Partnership Health Insurance

It’s easier than you might think to get health insurance for unmarried couples. Here’s everything you need to know about how to get it and how it differs from other health coverage.

emergency room hospital entrance

Health Insurance: When to Use the ER and When to Use Urgent Care

Going to the ER for medical care is expensive. Yet millions of Americans do it every year. Here's why that is--and why you should go to an urgent care center or a doctor if your illness or injury isn't an emergency.

doctor taking blood pressure

Health Insurance and Preventive Care

Here's everything you need to know about how different health plans cover--or don't cover--various forms of preventative health care.

doctor handing glass to patient

Long-Term Care Insurance FAQ

Don't buy long-term care insurance until you read these answers to the most frequently asked questions about long-term care insurance.

pregnant woman holding piggy bank

Expected Pregnancy Costs and How Health Insurance Covers (and Sometimes Doesn't Cover) Them

Having a baby can be expensive--even if everything goes as planned. Here's how much various components of a "typical" pregnancy tend to cost and how your health plan is likely to cover (or not cover) them.

doula helping patient with childbirth

Doulas and Health Insurance

Doulas are becoming a more common part of American childbirth. Read on to learn more about doulas, what they do, and whether your health insurance covers them.

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10 Common Health Insurance Mistakes

Learn how to avoid 10 common but costly mistakes people often make while shopping for health insurance coverage.

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Everything You Need to Know to Apply for Health Insurance

Looking to enroll in a new individual or family health insurance plan? Don’t submit an application for health insurance until you read this!

doctor check up with child

Health Insurance for Children

Here are the main options available to you if you’re a parent looking to obtain health insurance for one or more of your children.

Why is My Health Insurance So Expensive?

Why do you pay so much for health insurance? And how can you pay less for it? We'll help you answer those questions.

toddler getting medical care

Everything You Need to Know About Child-Only Health Insurance

Looking for health insurance for children? We can help you learn more about child-only health plans.