---
title: "Your Health Insurance Information Guide at Sutter Health"
description: "Sutter Health's health insurance information guide."
url: "https://www.sutterhealth.org/billing-insurance/health-insurance-information-guide"
---

1.  [Home](https://www.sutterhealth.org/) /
2.  [Billing and insurance](https://www.sutterhealth.org/billing-insurance) /
3.  Health Insurance Information Guide

# Your Health Insurance Information Guide 

**Section menu**

-   [Billing and insurance](https://www.sutterhealth.org/billing-insurance "Billing and insurance")
    -   [Help Paying Your Bill](https://www.sutterhealth.org/billing-insurance/financial-assistance "Help Paying Your Bill")
        
    -   [Healthcare Costs and Charges](https://www.sutterhealth.org/billing-insurance/costs-and-charges "Healthcare Costs and Charges")
        -   [Billing for Hospital Anesthesia](https://www.sutterhealth.org/billing-insurance/costs-and-charges/billing-hospital-anesthesia "Billing for Hospital Anesthesia")
            
        -   [Healthcare Cost Transparency](https://www.sutterhealth.org/billing-insurance/costs-and-charges/cost-transparency "Healthcare Cost Transparency")
            
        -   [No Surprises Act](https://www.sutterhealth.org/billing-insurance/costs-and-charges/no-surprises-act "No Surprises Act")
            
        -   [Non-Contracted Provider Payment Appeal Process](https://www.sutterhealth.org/billing-insurance/costs-and-charges/non-contracted-provider-payment-appeal-process "Non-Contracted Provider Payment Appeal Process")
            
    -   [Medicare](https://www.sutterhealth.org/billing-insurance/medicare "Medicare")
        -   [Annual Enrollment Period](https://www.sutterhealth.org/billing-insurance/medicare/aep "Annual Enrollment Period")
            
        -   [Medicare basics](https://www.sutterhealth.org/billing-insurance/medicare/medicare-basics "Medicare basics")
            
        -   [Medicare wellness visits](https://www.sutterhealth.org/billing-insurance/medicare/medicare-wellness-visits "Medicare wellness visits")
            
        -   [Special Enrollment Period](https://www.sutterhealth.org/billing-insurance/medicare/sep "Special Enrollment Period")
            
        -   [Initial Enrollment Period](https://www.sutterhealth.org/billing-insurance/medicare/iep "Initial Enrollment Period")
            
        -   [Late enrollment penalties](https://www.sutterhealth.org/billing-insurance/medicare/late-enrollment-penalties "Late enrollment penalties")
            
    -   [Medicare Related Events](https://www.sutterhealth.org/billing-insurance/medicare-related-events "Medicare Related Events")
        
    -   [Sutter Medicare Direct](https://www.sutterhealth.org/billing-insurance/sutter-medicare-direct "Sutter Medicare Direct")
        
    -   [Health Insurance Information Guide](https://www.sutterhealth.org/billing-insurance/health-insurance-information-guide "Health Insurance Information Guide")
        

-   [Billing and insurance](https://www.sutterhealth.org/billing-insurance "Billing and insurance")
    -   [Help Paying Your Bill](https://www.sutterhealth.org/billing-insurance/financial-assistance "Help Paying Your Bill")
        
    -   [Healthcare Costs and Charges](https://www.sutterhealth.org/billing-insurance/costs-and-charges "Healthcare Costs and Charges")
        -   [Billing for Hospital Anesthesia](https://www.sutterhealth.org/billing-insurance/costs-and-charges/billing-hospital-anesthesia "Billing for Hospital Anesthesia")
            
        -   [Healthcare Cost Transparency](https://www.sutterhealth.org/billing-insurance/costs-and-charges/cost-transparency "Healthcare Cost Transparency")
            
        -   [No Surprises Act](https://www.sutterhealth.org/billing-insurance/costs-and-charges/no-surprises-act "No Surprises Act")
            
        -   [Non-Contracted Provider Payment Appeal Process](https://www.sutterhealth.org/billing-insurance/costs-and-charges/non-contracted-provider-payment-appeal-process "Non-Contracted Provider Payment Appeal Process")
            
    -   [Medicare](https://www.sutterhealth.org/billing-insurance/medicare "Medicare")
        -   [Annual Enrollment Period](https://www.sutterhealth.org/billing-insurance/medicare/aep "Annual Enrollment Period")
            
        -   [Medicare basics](https://www.sutterhealth.org/billing-insurance/medicare/medicare-basics "Medicare basics")
            
        -   [Medicare wellness visits](https://www.sutterhealth.org/billing-insurance/medicare/medicare-wellness-visits "Medicare wellness visits")
            
        -   [Special Enrollment Period](https://www.sutterhealth.org/billing-insurance/medicare/sep "Special Enrollment Period")
            
        -   [Initial Enrollment Period](https://www.sutterhealth.org/billing-insurance/medicare/iep "Initial Enrollment Period")
            
        -   [Late enrollment penalties](https://www.sutterhealth.org/billing-insurance/medicare/late-enrollment-penalties "Late enrollment penalties")
            
    -   [Medicare Related Events](https://www.sutterhealth.org/billing-insurance/medicare-related-events "Medicare Related Events")
        
    -   [Sutter Medicare Direct](https://www.sutterhealth.org/billing-insurance/sutter-medicare-direct "Sutter Medicare Direct")
        
    -   [Health Insurance Information Guide](https://www.sutterhealth.org/billing-insurance/health-insurance-information-guide "Health Insurance Information Guide")
        

## Simplifying Health Insurance

We know that it can be challenging to understand how health insurance plans work, particularly as plans have become more complex. To help you sort this out, we have prepared a general health insurance guide. We hope it will help you avoid billing surprises or misunderstandings.

## Health Insurance Information Guide

The guide will help you learn about:

-   The type of bills you may receive after doctor visits or other medical services.
-   How you can determine the amount you may be asked to pay “out-of-pocket.”
-   What health plan “authorization” and “referral” mean — and how they’re different.
-   Forms of financial assistance available for those who may need help paying their bills

[Download Your Health Insurance Information Guide](https://www.sutterhealth.org/-/media/Project/SutterHealth/SutterHealth/files/billing-insurance/what-to-know-about-your-health-plan.pdf)

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