Health Insurance Values » Insurance
Understanding health insurance
When it comes to health insurance, it’s easy to get lost in rumors and jargon. What you really want is for someone to break it down in simple terms. We’d like to help.
Read our Q&A to help clear up the confusion »
Choosing coverage
with confidence
Maintaining continuous health care coverage has been linked to staying on top of needed care, preventative care and prescriptions. But choosing health insurance can be intimidating.
Uncertainty is understandable when there are so many plans – and so many horror stories. Make sure you find coverage you can trust. Research your options thoroughly and discuss them with a licensed insurance agent in order to make an informed decision.
Use our guide to get started »
Grads lack more
than jobs
They need health insurance until the benefits package arrives.
Why keeping coverage matters,
what options exist »
“But I can’t choose my anesthesiologist!”
While that may be true, you may face out-of-network charges for such forced providers. Understand the ins and outs of a health insurance plan before you buy.
Ask these three questions to avoid costly misunderstandings »
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insurance quote
Individual and family major medical »
Short-term health insurance »
Dental coverage »
Limited benefit medical »
Things to consider as you shop around
Premiums
What will you pay just to have coverage?
Coverage/benefits
How long do you need coverage? What do you use coverage for? What services does the plan include? How are benefits paid; do you have to submit a claim?
Access
Will you be able to choose your own to doctors, hospitals and other providers, or is there a network of providers you must choose from? If there is a network, are the providers accessible to you? Will you have access to after hours and emergency care?
Out-of-pocket costs
What will you pay for coinsurance, copays and deductibles? Are prescription drugs covered?
Exclusions and limitations
Are things like preexisting conditions and pregnancy excluded? Are certain professions excluded? Does the coverage last for a limited time?
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Choosing health insurance can be intimidating. A few things to consider as you shop around.
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Health Insurance Values is a service offered by IHC Health Solutions, a member of the IHC Group. All health insurance products offered on this site are endorsed by Communicating for America, Inc., a national non-profit membership organization.
