Health Insurance

Whether you're choosing a doctor or trying to navigate health insurance jargon, these articles will help you understand the health insurance system.


Health care spending in America goes up enormously every year. Yet just a small number of people account for most of the money. Why is this and how can we rein that in?

Researchers are proposing some creative strategies to allow consumers to pay for new and costly treatments. But will they work?

It is not uncommon to have multiple healthcare providers when treating an illness. Find out what you need to know about dealing with healthcare providers.

The health of Americans has continued to decline for decades causing a rise in insurance premiums. To combat this problem, businesses and insurance companies are implementing wellness programs offering incentives for employees to get healthy.

Most people with pre-existing conditions have a hard time finding health insurance. That's where high-risk health insurance pools come in. After all, if you're sick, you still need your medication.

The Health Insurance Portability and Accountability Act, or HIPAA, was enacted by Congress to help ensure both health coverage and privacy for patients.

Most Americans are covered by their employer's group health insurance. But what happens if you lose your job? COBRA health insurance allows people to continue their coverage -- on their own dime.

In the olden days, if you had surgery or had an accident, you could have spend several days -- or even weeks -- in the hospital. Today, you could be out in a matter of hours.

Ever wondered how your doctor decides what to charge for a particular service he performs? Is there anyone regulating how much money they can make?

How does a pre-existing condition affect your health coverage? There is no easy answer to this question -- it all depends on the specific condition, the health plan and your health insurance history.

A health insurance exclusion refers to anything an insurance plan doesn't cover, from drugs to surgeries. Exclusions can vary, so it's essential that you get to know the details of your plan.

Navigating a health care plan can be complicated, especially when you're dealing with managed-care plans and provider networks. Learn about how managed health care companies treat non-network services.

Utilization review is a health insurance company's opportunity to review a request for medical treatment. The purpose of the review is to confirm that the plan provides coverage for your medical services.

Preferred provider organizations (PPOs) are the fastest-growing kind of health care plan. With more than 158 million Americans enrolled in a PPO this year, this plan has become the choice of more than half of all Americans with health insurance coverage.

Choosing the proper insurance plan is a huge decision. To find out what kind of coverage you need, and to avoid paying for what you don't, there are several questions you should carefully consider before you sign on the dotted line.

Thanks to advances in technology, more and more medical treatments are being made on an outpatient basis. But what qualifies as an outpatient service? How do they differ from inpatient benefits, and what does that mean for your insurance coverage?

Coinsurance is used in several different types of insurance, from property to health. The basic concept is that you and your insurance company share the risks.

A provider network is a list of physicians, hospitals and other providers that offer health care services to patients in a managed-care insurance plan. Managed-care plans are usually more affordable than other kinds of plans -- but they limit your freedom to choose your own doctors.

You've probably wondered what happens to all those forms you fill out at the doctor's office. Where do they go next -- and what happens if your insurance claim is denied?

The whole point of having insurance is to protect yourself in case of an emergency, but you don't want to pay for coverage you don't need. If this sounds familiar, a catastrophic insurance policy might be right for you.

Many insurance plans have excluded high-cost drugs from coverage, cut down on refills and increased co-pays. How can you get the medications you need without breaking the bank?

Simply put, an out-of-pocket expense is a nonreimbursable expense paid by a patient. Learn about out-of-pocket maximums, what expenses count toward them, and how they vary with different plans.

Flexible spending accounts are accounts in which you can deposit a portion of your pre-tax paycheck. If you use it wisely, an FSA can help offset your out-of-pocket medical expenses and pay for your monthly health insurance premiums.

If you have a medical or health savings account, you pay for your own health care expenses. But you do have a safety net -- a high-deductible health insurance policy that protects you from catastrophic medical expenses.

As health care costs continue to rise, subscribers are finding that their benefits are being trimmed while their co-pays and deductibles are increasing. So it’s more important than ever to learn how to get the most out of your health care coverage.