Health insurance articles

Kaiser Permanente and UnitedHealthcare top this year’s ranking, followed by Aetna and Highmark. Other companies on our list of top health insurers are Humana, HCSC, Elevance, Cigna and Molina.

Coinsurance is a percentage of costs you pay after meeting your deductible, while a copay is a fixed fee for specific services.

This guide explains how COBRA insurance works when transitioning to a new job, outlining your options for continuing coverage and the key factors to consider during the change.

People in domestic partnerships enjoy the same rights and benefits as married couples, including health insurance coverage. Read our guide to learn what your health insurance options are if you are in a domestic partnership.

Same-sex married couples now have most of the same rights as opposite-sex couples when it comes to insurance. However, you may still have issues getting health insurance for your spouse depending on where you work and live.

Read our complete guide on how to get individual health insurance.

It's common to find health insurance companies that will not pay for weight-loss surgery. Whether they will approve bariatric surgery depends on multiple factors.

We’re all looking to improve our physical and financial well-being in the new year. A great place to start is evaluating your health, disability, life and long-term care insurance needs.

The open enrollment period is November 1, 2022, through January 15, 2024. Read on to learn everything you need to know about getting health insurance for 2024.

A health insurance deductible is the minimum amount you must pay for health care before your insurance coverage kicks in.

Know the 7 COBRA qualifying events that ensure continued health coverage during life changes. Stay informed and secure your healthcare options.

Know if retirement qualifies for COBRA coverage. Learn about eligibility factors, benefits, and make informed health insurance decisions post-retirement.

Insurance companies may not cover pricey drugs like Ozempic, Wegovy and Mounjaro for weight loss. Know what experts say.

Life insurance policies with long-term care riders are more popular than standalone long-term care (LTC) insurance policies.Read on to know how long-term care benefits offers additional protection.

You can typically add your spouse and children to a health insurance plan, but it’s ultimately up to your employer or health plan.Also, learn how to remove dependents from health insurance.

People losing their eligibility can avoid coverage gaps by enrolling in private insurance or programs offered via state health insurance exchanges.Read on to know more.

Many people don't know how COBRA works or where to turn when they encounter problems with the program. Below are eight common COBRA problems and who you should contact for help.

If you have a medical emergency, you have the right to receive prompt and comprehensive care.Read the guide to know more about emergency room laws.

You can be listed as a dependent on a parent’s health insurance plan until you are 26. Always check with the insurance company because there may be some limitations or exclusions.

COBRA is generally available when your employment ends or you experience a qualifying event.Read on to learn everything you need to know about COBRA in New York.

Cobra insurance is one option in California & everywhere else in the United States. Read on to know more about how does cobra insurance work in California & how does it work.

In Texas, you can keep COBRA insurance for six months longer through the state program.Read on to know more about cobra insurance in Texas & how much does it cost.

Qualifying life events are life-changing events in your household, residence or other health insurance coverage that make you eligible to change your coverage outside of open enrollment.

Here are 10 things you should know about COBRA.Read our full guide to everything you need to know about COBRA. Also check what our readers are asking us about COBRA.

Receiving an inheritance can complicate matters with Medicaid. It could mean you have to drop coverage and even pay back for some of the care received.Read on to know more.

Health insurance rates are going up, the Kaiser Family Foundation found that insurers are proposing a 10% increase on premiums on average. Read to know why the rates are rising & ways to save.

The Inflation Reduction Act of 2022 has significant implications for Medicare beneficiaries and how much they pay for medications.

If you're eligible for Medicare, doctor and hospital visits should be covered -- to a point. Medigap supplemental insurance can help fill in the gaps.

The birthday rule is a way to determine whether someone is covered by your health insurance during the time they were not legally part of your household. Here's how it works!

There are a number of reasons why you might want to buy health insurance outside the marketplace. Let’s discuss the advantages of buying health insurance off exchange in detail.

Affordable health insurance plans can be found if you qualify or if you shop around & compare plans during open enrollment.Read on to know best affordable health insurance rates and companies.

There are multiple health insurance options for college students. Here's what you need to know to make sure your child is properly covered.

Insure.com surveyed Americans to gauge what they think of their health insurance. This is how people rated their employer plans, Medicare, Medicaid and individual insurance.

We asked people about what's most important when choosing a health insurance plan, as well as what their employers offer. We found many people say a company's health insurance is vital to whether they choose to work there.

Surprise billing is a problem for many patients. There are ways to protect yourself against surprise medical bills. Here are some ways to protect against a large medical bill.

UnitedHealthcare, the country’s largest health insurance company, offers marketplace plans in 11 states and hopes to expand into other states in 2022.

Exclusive provider organization (EPO) plans have restricted provider networks but are often more affordable than other types of plans.

TriTerm is a type of short-term health insurance plan offered by UnitedHealthcare

Pharmaceutical companies, the federal government, and multiple programs offer ways to save money on medications. Read on to know more get free prescription drugs.Also, learn about programs.

Self employed health insurance is a plan in which the insured is both the business owner and sole employee.Read on to know about how much it is for and how to get it.

A point of service (POS) health insurance plan combines aspects of preferred provider organization (PPO) & health maintenance organization (HMO) plans. Read on to know more about how does it work.

A health maintenance organization (HMO) is a type of plan that requires members to get care within the plan’s network of providers.

Preferred Provider Organization (PPO) health insurance is the most common health plan offered in employer-sponsored health insurance.Learn more about its cost & how does it work.

Know which health insurance coverage options is right for pregnant women, as well as learn about other special benefits that may be offered.

Guide to handling health insurance claim denials

Here’s how to keep seeing your doctors even if they are no longer part of your plan’s network.

No deductible health insurance plans can cost over $1,000 more in premiums than health coverage with higher deductibles. Read on to know more abut what it is, how does it works.

Form 1095-A, Health Insurance Marketplace Statement, is the IRS tax form that reports the premium tax credit that members received in advance from the health insurance marketplace.

Health insurance helps pay your health care costs.Read on to know all health insurance basics like the types of health insurance,how it works,plans,where & when to buy.Also know about its cost.

The advance premium tax credit (APTC) reduces health insurance payments of the premium for those with ACA marketplace plans. Read on to know more about how these tax credits work & who is eligible.

Answer a few simple questions on your current health insurance coverage and the Health Insurance Advisor will identify what coverage you may need to have a well-rounded health insurance portfolio

Not everyone can or should buy a catastrophic insurance plans. Read the compete guide to understand how the catastrophic medical insurance plan works and when you should buy it.

Divorced? Make sure to take your ex-spouse off your health plan at work.

Most insurers and pharmacy benefit managers say they will cover the RU-486 abortion pill (Mifeprex), but they are leaving it up to employers to decide whether to extend the benefit to their employees.

Wondering who you can add to your health insurance policy and who is ineligible? Here's everything you need to know about adding dependents to your health insurance plan.

Long-term care insurance is important, so think seriously about purchasing an inflation rider.

Here's what to look for in a health insurance plan when you go to the doctor frequently.

You need a Plan B once you can no longer stay on a parent’s health plan.

Your kids could be making secret medical insurance claims.

You can shop around for affordable health insurance premiums just as you would for better car insurance rates.

If your child has been diagnosed with attention deficit/hyperactivity disorder (ADHD), you'll need to find proper health insurance coverage. Here's what you need to know.

If you are anxious about health insurance and health care for your aging parents, you can reduce your stress by educating yourself about your parents' health insurance needs. The key is knowing exactly what information you need and where to look for it.

Getting mental health treatment for your child can be an ordeal. Here's how to understand the game.

The financial consequences of becoming unable to work can be devastating. Here's how long-term disability insurance works.

Short-term disability pays a percentage of your salary if you become temporarily disabled, meaning that you are not able to work for a short period of time due to sickness or injury.

TRICARE Supplemental health insurance covers out-of-pocket healthcare costs that you would otherwise have to pay. Learn more about how much does it cost & how it works.

Private health insurance is a type of medical coverage that covers the cost of your healthcare. Read on to know more about its plans, types, and how to get it.

Nearly 40% of people said they delayed health care during the COVID-19 pandemic. Dentist and primary care were the most commonly postponed care. More than one-third said they expect to use more health care services over the next year.

Most people get their dental insurance through an employer, but you can also get an individual policy. Here's what you need to know about dental insurance.

Most states have also added provisions to the COBRA laws that expand that right for those working in smaller companies.

Here are options for buying health insurance if you retire before age 65 when you become eligible for Medicare.

Not all health insurance offers the same level of coverage. Here's what's considered major medical insurance and what isn't.

Medicaid is a low-cost health insurance option for millions of Americans. Here's more about the public health program, including eligibility, costs, and other alternatives.

Association health plans are a health insurance option for small businesses & self-employed Americans.Read on to learn more about association health plans & how to sign up for that.

Buying your own health insurance can seem daunting, but it can also open up more possibilities. Check out how to get your own health insurance.

Health insurance is a major cost for most Americans. The amount you pay for health insurance a month depends on multiple factors. Here is the detailed information.

Open enrollment for Affordable Care Act plans sold on the federal exchange is Nov. 1-Dec. 15. Get answers to 5 key questions about how to sign up for a 2021 health insurance plan.

Secondary health insurance, also called supplemental insurance, can help you pay for health care. They can also provide dental and vision coverage and provide help if you become disabled.

Insure.com has been tracking public opinion on health reform in the lead up to the 2020 presidential election. In this survey of 1,500 people found that more Americans support Medicare for all than at any time over the past year. Get to know more what are choices and what each entails

Long-term care insurance companies offer a number of riders in order to distinguish their products.

Coronavirus is making more people interested in long-term care insurance, but it's also making it more complicated to buy the coverage and get claims paid. Here's what you need to know about the changes and what you can do to make the process go more smoothly.

When buying long-term care insurance, your age is a primary factor in determining its cost; the younger you are when you buy the policy, the cheaper your premiums will be.

Health insurance, life insurance, auto insurance and disability insurance are all affected by the coronavirus. Here's what you need to know.

Health insurance companies have responded to coronavirus (COVID-19) by lowering potential cost burdens and removing barriers to care like prior authorizations and limitations on telemedicine. Choose your insurer to find out what they’re doing.

Long-term disability insurance provides income for an extended period if unable to work because of disability. It is often the forgotten insurance but it ensures ability to produce an income.

Coronavirus is having multiple affects on health insurance. People who are laid off are losing employer-sponsored health insurance. Americans who need to get tested are worried how a diagnosis will affect their wallet as much as their health. Here's what you need to know.

Know your coverage needs and review your insurance regularly to avoid being underinsured. Consider your current and future health needs when choosing a health insurance plan.

Insurance is a bet, so knowing your genetic destiny changes the odds.

If you bought a health plan through a marketplace and are due a tax refund, here’s how to get your premium tax credit as quickly as possible.

Medication isn't cheap today, but there are several ways patients can trim their costs. Here are four of them.

Research shows millennials know too little about health insurance, and that could cost them down the road.

Get tips on how to buy a disability insurance policy on your own to get protection beyond what's offered from an employer-based policy.

Every health plan has to cover the basics, but some also cover alternative therapies such as acupuncture.

Health insurance, life insurance and disability insurance all use medical records to set your rates or deny coverage. When medical records are accessed, there are questions about personal privacy.

Your 2012 tax return will affect your health insurance in 2014.

Long-term care is expensive everywhere, but not necessarily equally so. Knowing where it's the most expensive can help you plan for your future.

Be aware of these top insurance mistakes mistakes when having a baby.

Health insurance exchanges will be set up in each state to serve as a one-stop shop for comparing health plans and buying health insurance.

The Affordable Care Act allows only four factors to increase your health insurance premium. Tobacco is a big one. A smoker surcharge can be costly.

Long-term care policies may offer some coverage for care should you move abroad. You need to consider that their payouts are likely to be far less generous in length and amount.

You're on the hook for more of the health care bill. Here's how to save.

Now more than ever you can save big bucks by comparison shopping for a long-term care insurance policy.

Here’s one way to beat the hassles of health insurance and get cheaper dental work or bariatric surgery: Go abroad.

Just because your doctor refuses to take insurance doesn’t mean you can’t get reimbursement.

Pregnant? Here are ways to navigate the health insurance system.

What’s old is new again: Asking higher-paid employees to pay a larger share for their health plans.

Investigate drug coverage if you’re buying a marketplace health insurance plan.

Life can change in a second. Disability insurance helps with the months of recovery.

A study by the AMA finds the highs and lows of health insurance claims.

Could you pay more than $200 a day for nursing home care?

Federal law mandates “zero cost” contraception, but don’t put away your checkbook just yet.

An alarming number of people embrace the poor house in order to avoid paying their own long-term care expenses.

Insurance payments have pushed patients off the couch.

Options for securing health insurance coverage after a divorce.

The complex physical and mental needs associated with eating disorders can turn coverage into a battle.

You might be surprised at what employer health plans can make you do.

Understand the tax advantages of long-term care insurance.

A new study reveals average health insurance plan costs and benefits. How does your plan stack up?

We’ve already missed the boat on the best long-term care insurance policies. What’s next to go?

Funding your own future long-term care takes careful planning. Is it an option for you?

Games and prizes help insurers and their customers beat health care costs.

We can't turn back the clock, so we'd better understand long-term care policies.

Cancer insurance can fill in the gaps of health plans. For some people, knowing they have special coverage is important.

A long-term care insurance policy and a little planning could make your golden years truly shine.

Get the reimbursements you deserve! These common-sense actions will help speed your claim money.

Learn how specialists can help you with tricky health insurance claims.

See the health care expenses you won’t have to labor over.

We've answered our top reader questions about health insurance at work. Find out what your employer is allowed to do.

If you want to buy a quality health insurance plan, be sure to take time to read the policy carefully before you make a purchase. Here's what to look for.

When celebrities receive treatment for mental health problems, they likely dont have to worry about the cost. The rest of us worry about our health insurance.

What defines an excessive increase in health insurance premiums, and who's going to do something about it?

With rising health benefit costs and a tough economy, a growing number of employers are asking for documentation to verify dependents on health plans.

Is a condition you never knew you had considered ?pre-existing?? We answer this and other questions.

A growing number of people visit roughly 1,200 retail-based clinics that operate in pharmacies, grocery stores and big-box outlets throughout the country.

Expatriate insurance is a specialized type of health insurance designed specifically for people on extended stays outside the United States.

Hearsay and incorrect information often fuel people?s misunderstandings of health insurance.

Health insurance for autism can be hard to find. Here are strategies for parents of autistic children.

How to select a cancer insurance policy and determine whether it's a good bet.

Health insurance companies that cover mastectomies must also provide breast reconstruction surgery, according to the Women's Health and Cancer Rights Act.

If you?ve been denied health insurance coverage because of a pre-existing condition, you can now get temporary coverage through a program set up by the states and the federal government.

Why and how health insurance companies take your weight into account when selling you a policy.

Some of these plans and found many to be inferior, with very low coverage limits and high costs, which puts families at risk of financial disaster.

Most states have enacted legislation that requires health insurance plans to provide coverage for mental health treatment that's equal to coverage for physical illness.

The Health Insurance Portability and Accountability Act imposes limits on the extent to which some group health plans can exclude coverage for pre-existing conditions.

The medical conditions that qualify under supplemental critical illness policies include serious injuries, disease, and major surgeries.

If you're thinking about starting a family, it's a good idea to plan for the unexpected -- especially when it comes to your health insurance.

As parents grow older, it often falls to their children to provide the care they need. Learn more about options for your parent's health insurance.

How to find low-cost health insurance when you're young

A sample second level of appeal letter for a denied health insurance claim.

There are several ways to work out your situation after having your health insurance claim denied.

When buying long-term care insurance, you first need to decide how much coverage you want and how long you want your benefits to last. Here are four major components used in calculating how much insurance to buy.

Use Insure.com's LTC Checklist to determine which policy is right for you.

WWhile there can be many advantages to purchasing long-term care insurance, there are numerous pitfalls that can wipe them out.

Afteryou have determined your eligibility for pregnancy-related benefits, you also need to be aware of how they may coordinate with the Family Medical Leave Act.

Get disability quotes and information and advice.

Find out how to keep health insurance for your college-bound child.

Access to — or insurance coverage for — alternative health care benefits is provided in various ways.

Tired of long waits at the doctor's office and short appointments? Concierge medicine may be the answer.

In September 2006, Wal-Mart rolled out a plan to sell 291 generic prescription medications at $4 for a 30-day supply at selected pharmacies in Florida, and announced plans to expand the program to 14 additional states.

Insurers are the gatekeepers of health care for most Americans. This arrangement can put investigational and experimental medical treatments out of reach.

There is power in numbers, especially when it comes to finding affordable health insurance. Here's how group health insurance works.

HSAs combine a high-deductible health insurance policy with a savings account. The high-deductible policy protects the insured from the many costs.

Everything in health care is negotiable. Here are tips for negotiating your medical bill down.

Depending on which state you live in and the type of health insurance you have, you do have some rights when your health plan or doctor changes without your consent -- but not a lot.

While you're certainly aware of many common health risks and germ factories, we went looking for less-known hazards that lurk where we sleep, eat and frolic.

For some consumers, individual health insurance is the last rung on the ladder to becoming uninsured.

Health coverage is regulated only by the federal ERISA law, which has no provision for infertility treatment.

For the fourth consecutive year, large employers will experience a double-digit increase in their health care costs.

The number of reported cases of Lyme disease has increased 25-fold since 1982 and there are more than 177,000 people in the United States who have been infected with the disease.

Medical bills can quickly pile up and if you're not prepared, you could find yourself dealing with bankruptcy. Here are six ways to avoid medical bankruptcy.

Individual insurers might deny you coverage based on your medical history if it includes use of prescription drugs or counseling for anxiety, depression, grief, or an eating or sleep disorder.

Before you rush into buying your children their own health plans, there are several factors to consider so you don't end up with a policy that omits needed coverage.

If President George Bush's proposed health tax credits become law, eligible Americans will see the average cost of individually purchased health insurance drop.

Health insurance for pregnant teens and their babies is available. It’s important to start investigating the insurance options immediately

Forget the bell curve. When it comes to women's health, not one state earns a passing grade.

Allstate Insurance Co. is now selling individual disability policies that allow policyholders to maintain a portion of their income while disabled, regardless of whether the disability is work-related or due to sickness or injury.

This coverage pays for all of the deductible overhead expenses of your business on a reimbursement basis, while you are disabled, for up to 24 months.

Insurance to deal with premature death and disability while still running your business.

Insure.com defines various short-term and long-term disability insurance terms.

Employers who intervene soon after employees are first disabled can help them return to work faster and make them happier, while cutting disability-related costs.

Total group disability insurance sales for the first half of 2000 are up more than 10 percent over the first half of 1999, according to a national study.

Should you enroll in a group disability plan or buy disability coverage on your own?

Most workers in the United States have little or no disability insurance coverage, according to a survey by the American Council of Life Insurers.

Spending a year in a nursing home can cost more than $80,000, according to a survey of average daily and annual nursing home costs.