Health Insurance Basics

• Why do you need health insurance?
  
  
• Cost and availability
  
  
  
• How to get health coverage
  
  
• What kinds of health insurance are there?
  
  
• Individual Insurance
  
  
• Group Insurance
  
  
• What determines premium?
  
  
• Limits on health coverage, Exclusions
  
  
• What is a deductible?
  
  
• What is the difference between in-network and out-of-network providers?
  
  
• Pre-Existing Conditions
  
  
• Pregnancy / Maternity
  
  
• Copay
  
  
• Coinsurance  and  What is the difference between co-pay and co-insurance?
  
  
• Prescription drug coverage
  
  
• What happens to my insurance if I lose or change my job?
  
  
• Health Savings Account
  
  
• Medicare
  
  
• Medicaid
  
  
  
• How to choose a health insurance plan
  
  
• Glossary of health insurance terms