Insurance Basics: Home
Your plan may have different rules and costs for different healthcare settings. In any setting, you may have to pay a copay, and in some cases, coinsurance. But, these may be waived for preventive services like flu shots and mammograms.
After you get care, your provider sends a bill, or “claim,” to your insurance company. Your insurance company handles the claim and sends you an Explanation of Benefits (EOB).
Since providers are able to decide how much to charge for out-of-network care, sometimes that charge might be higher than you expected.
We often rely on our doctors to tell us what care we need. But to get the best care, you and your doctor should make decisions together. This process is called “shared decision making”.
If you´re a woman, you have different healthcare needs than men. Women may need access to birth control, or prenatal and maternity care.
If you’re planning a trip, the last thing you may want to think of is healthcare. But accidents and
illnesses can happen on the road as well as at home. Here are the basics on using health insurance while