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  • Your guide to understanding health insurance policies
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  • Understanding health insurance - UnitedHealthcare
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    Understanding these terms can help when shopping for a health plan and navigating health insurance Copays A copayment , or copay, is a fixed fee you pay when you receive a specific medical service
  • Health Insurance 101: A Primer on Navigating Your Healthcare
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    What doctors you can see This varies depending on the type of plan -- HMO, POS, EPO, or PPO What you pay: Premium: An HDHP generally has a lower premium compared to other plans Deductible: The
  • Understanding Health Insurance | Cigna
    It provides a health insurance marketplace that allows people to compare health plans, look for a plan that fits their needs, and find out if they may qualify for lower costs It also sets guidelines for insurance companies, including rules about cost increases, coverage for preexisting conditions, and requirements for certain kinds of coverage
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    Covered Benefits: The health care items or services covered under a health insurance plan Covered benefits and excluded services are defined in the health insurance plan's coverage documents Deductible: The amount you pay for covered health care services before your insurance plan starts to pay With a $300 deductible, for example, you pay
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    In many health insurance plans, care by specialists is only paid for if you are referred by your primary care physician An HMO or PPO plan will provide you with a list of doctors from which you will choose your primary care physician (usually a family physician, internist, obstetrician-gynecologist or pediatrician), though PPOs allow members
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    Understanding important terminology pertaining to health insurance is the first step to obtaining a cost-effective coverage plan that serves all of your individual or family needs Premium: The amount you pay your insurance company for health coverage each month or year





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