Health 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.

By Melissa Jeffries

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?

By Melissa Jeffries

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.

By Melissa Jeffries

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.

By Melissa Jeffries

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.

By Melissa Jeffries

Deductibles, premiums, co-pays, COBRA … Health insurance can be complicated. In this article, we explain these key terms and many others, so you can sort through your coverage options and understand your benefits.

By Lee Ann Obringer & Melissa Jeffries