Insurance Basics: Dental Coverage

Getting Covered

There are three main sources of health coverage. The first is your job. The second is a plan that you buy. The third is a government program for older, disabled or low-income

Getting Covered
The Affordable Care Act

The Affordable Care Act (ACA) of 2010 makes it easier for many Americans to get health insurance. It also expands the services that health plans need to cover.

The Affordable Care Act
High-Deductible Health Plans

High-deductible health plans (HDHPs) have lower premiums than traditional health coverage

Narrow Networks

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

Negotiating Your Costs

Since providers are able to decide how much to charge for out-of-network care, sometimes that charge might be higher than you expected.

Having More Than One Health Plan

Being covered under two health plans doesn't mean the two plans will pay the same amount twice for the same doctor visit. Instead, the plans follow rules about which plan pays what, known as "coordination of benefits."