Deductible
The amount you pay for care before your insurance kicks in. For example, if you have a $1,000 deductible, you will pay $1,000 before your insurance covers health care costs. There can be another deductible for a specific benefit like...
The amount you pay for care before your insurance kicks in. For example, if you have a $1,000 deductible, you will pay $1,000 before your insurance covers health care costs. There can be another deductible for a specific benefit like...
A discount on your out-of-pocket costs, such as your co-pay. Depending on your income level, if you buy a “silver” plan on the state marketplace, you may be eligible for a cost-sharing subsidy. A silver plan is a type of...
The amount of cost sharing between you and your insurance company. If you have a 80% / 20% co-insurance, this means that when you receive care, the insurance company pays 80% of the cost and you pay the other 20%.
A plan with a low monthly premium but high out-of-pocket costs and a very high deductible. You must be under 30 years old or eligible to get a “hardship exemption” because you can’t find other affordable health insurance coverage in...
Before the health care reform law, many plans only covered care up to a certain amount. Under the new law, insurers can no longer cap how much they pay for your care each year or over your lifetime. Annual and...
There are several changes to what insurance companies must cover for new and expectant mothers. Starting in 2014, insurance companies can’t refuse to cover costs associated with your pregnancy or charge you more because you’re pregnant. Certain services are offered...
If you’re looking for a doctor nearby who can provide STI testing, or information about STIs generally, go to: http://www.cdc.gov/std/prevention/default.htm Most plans are required to offer some STI screenings for free, as well as STI prevention counseling for those at...
Yes. With a few exceptions, insurers must now cover FDA-approved contraceptive methods and counseling for all women without co-pays or deductibles. This includes birth control pills and IUDs provided at no additional cost to you. Emergency contraceptives, such as Plan...