Healthcare and 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.

Insurance Exclusions

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.

Non-network Services

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.

Utliziation Review

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)

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.

How to Choose a Health Insurance Plan

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.

Inpatient and Outpatient Benefits

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?

Co-insurance Overview

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.

Provider Networks

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.

Insurance Claims

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?

Catastrophic Insurance

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.