Frequently Asked Questions
There are many different costs associated with health plans, including deductibles, copayments and coinsurance. Learn more about health care costs.
There are many different types of health insurance plans, including HMO plans, PPOs, EPOs and POS plans. Explore the differences between these types of coverage.
Group health insurance, also known as employer health insurance, is a health plan offered by employers to their employees. With group health plans, the employer chooses the insurance company and picks plan options for their employees and their dependents. In group plans, your employer will typically share the cost of your premium with you.
Individual health insurance plans, or personal health plans, are ones selected and purchased by you for yourself or your family. You can work with an insurance agent to find a plan that works for you, both from a financial and coverage standpoint. With individual plans, you also may be eligible for a subsidy from the government to purchase a plan that is compliant with the Affordable Care Act. This could help you save money on your health insurance. Since individual plans are not tied to your job, you’re able to change jobs without losing coverage.
Everyone can benefit from having a health insurance plan. No one plans to get sick or hurt, but most people end up needing medical care at some point in their lives. With health insurance, you don’t have to pay the full bill on your own for services covered under your health plan.
Health insurance can help keep you healthy. Having a plan means you are covered for checkups, vaccines, yearly bloodwork and cancer screenings at no extra cost. The earlier you catch any health issues, the more likely the issues will be easier to treat and cost less.