The rising cost of medical care and the resulting pressure on health insurance premiums makes health insurance top priority if you want to have your health expenses covered at a reasonable cost. The current health insurance system is quite complex and constantly changing. The information below may help answer your questions:
HEALTH INSURANCE BASICS
What are my health insurance choices? Are there any other sources for covering medical expenses? Are there any specialty health insurance policies? What can I do if I am having trouble settling my claim?
BUYING HEALTH CARE INSURANCE
Should I participate in my employer’s health insurance program? How do I pick a health plan? How can I determine the quality of the insurance plan I am looking at? If I change jobs or become unemployed, can I take my health insurance coverage with me? If my employer does not offer health insurance, can I buy an individual policy? How can I lower my health insurance costs?
OTHER QUESTIONS ABOUT HEALTH INSURANCE
Can I deduct my health insurance premiums on my income tax return? Can I deduct the medical expenses that my insurance does not cover on my income tax return? Can I buy health insurance if I have a serious illness such as AIDS or diabetes, or if I have a chronic condition such as high blood pressure or asthma? Do I need to alert my insurance company if I am expecting a baby? Will my health insurance pay my medical expenses outside the United States? What if I am disabled and can't work? Where can I go for more information?
HEALTH INSURANCE TERMINOLOGY
Co-payments or Co-insurance Community Rating Laws Credit Score Deductible Family Coverage HIPAA (Health Insurance Portability and Accountability Act) In-Network/Out-of-Network Managed Care Preexisting Condition Primary Care Physician
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