Areas and offices included in your plan.  If you see doctors that aren’t “in-network,” your cost may be higher. For more information call Health Help Mississippi at 1-877-314-3843

A deductible is 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...

A co-pay is the flat fee you have to pay for a service, such as a doctor’s visit or a prescription. If you have a $15 co-pay, you will pay $15 for a doctor’s visit. For more information call Health...

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%. For more...

Many plans only cover care up to a certain amount. Under the new law, insurers can no longer cap how much they pay for care over your lifetime; annual dollar limits on coverage are phased out by 2014. For more...

A healthy young adult should look for a plan that covers preventive/primary care, prescription drugs, hospitalization, ER visits, and reproductive health needs.  Be careful about catastrophic plans that only cover the worst cases: if you have a health condition, you...

Visit www.healthhelpms.org, or call 1-877-314-3843. Email healthhelpms@mhap.org or questions@younginvincibles.org if you need any further help.

Important insurance info if you have a mental illness: Mental health parity: For large employer plans, restrictions cannot be any stricter for mental health coverage than they are for physical health coverage. They also can’t charge more for cost-sharing amounts...

There are more protections for people with pre-existing conditions in employer-sponsored plans than there are in individual plans. If you don’t have your own plan from your job, check with your parent’s employer to see if you can enroll, what...

Check whether the student health insurance plan at your school includes coverage of your pre-existing condition(s). Call your school’s plan administrator to find out and check out the “Student Health Insurance” tab for more info. For more information call Health...