Understanding Health Insurance
What is health insurance?
Health insurance helps you pay for your health care costs. Having insurance can help protect you from high medical costs, and it may help cover expenses if you need unexpected care. It also can make it easier to have routine doctor visits and preventive care. Insurance sometimes helps pay for prescription medicine costs.
Health insurance pays some, but not all, of your medical costs. Some plans pay more of your costs than others.
How can you get health insurance?
Many people get a health insurance plan through their work. The employer often helps pay for the plan. Some people buy health insurance on their own, directly from an insurance company, rather than getting a plan through an employer.
The United States government provides health insurance for people who qualify, such as seniors, people with certain disabilities and health problems, and some people with low incomes. Medicare and Medicaid are government insurance programs that help pay certain medical expenses for people who are eligible.
There are different kinds of health insurance plans to choose from. To get the best care, it's important to read your insurance plan closely. Be sure you understand the plan's rules and costs, how it works, and which medical services are covered.
|By:||Reference Healthwise Staff||Last Revised: Reference August 13, 2012|
|Medical Review:||Reference Anne C. Poinier, MD - Internal Medicine
Reference E. Gregory Thompson, MD - Internal Medicine