Health Insurance

Be Health Insurance Savvy

Whether you're wondering about types of plans, costs, insurance for seniors or even coverage details for conditions such as diabetes or cancer, you've come to the right place.

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Plans to Pick From

There are four major types of plans: Traditional fee-for-service (FFS) plans, preferred provider organization (PPO) plans, health maintenance organization (HMO) plans and point-of-service (POS) plans. Ready to find out what's out there? Click here for more information.

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What It'll Cost You

Healthcare isn't cheap, even if you're lucky enough to have insurance. The fees, premiums, deductibles, co-pays and out-of-pocket maximums can all add up. Healthcare can be even more expensive without insurance. Those who don't have insurance may be charged more for medical services than people who do.

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Pre-Tax Plans

But there are ways to save money on your healthcare costs. Two basic options exist for using pretax money to help cover healthcare costs: the health savings account (HSA), which is tied to a consumer-driven high deductible insurance plan, and the flexible spending account (FSA), which complements your primary insurance plan.

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Dental and Vision Insurance

Your teeth and eyes fall under completely different insurance umbrellas. When it comes to your pearly whites, insurance companies do their best to supply the largest network for you to choose from, so make sure your dentist is part of the network before scheduling your next checkup. Wondering how much it'll cost to get your eyes checked? Whether you have a deductible depends on your plan.

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If You're a Senior

Once you hit age 65, health insurance is a whole new ball game. There are many options for seniors, including Medicare, Medicaid, supplemental insurance and financial aid.

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If You Have Cancer

Cancer insurance is coverage for treatment specifically related to cancer and is not a substitute for comprehensive coverage. In fact, it won't usually cover the non-medical expenses cancer patients incur, such as home care, transportation and rehabilitation. Review your insurance policy to determine your specific needs before purchasing additional cancer insurance. Are you a cancer survivor? Good insurance can help keep your cancer from recurring.

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If You Have Diabetes

Having diabetes can be expensive, but getting the right care is important. Whether you need diabetes coverage, have diabetes coverage or have questions about pre-existing condition coverage or equipment coverage, Sharecare has the answers.

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If You Have Fibromyalgia

From pain and fatigue to depression and sleep problems, you have enough to deal with. Figuring out health insurance coverage shouldn't add to your problems. Need to find out which therapies are likely to be covered by health insurance? From massage therapy to mind-body therapy to electrical stimulation coverage, we've got the answers.

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If You Have Multiple Sclerosis

You've been diagnosed with multiple sclerosis (MS). Now what? MS can change some of your insurance options. Get the details on disability insurance, long-term insurance and whether your assistive devices are covered.

Need-to-Knows

As out of your control as health insurance may seem at times, there are things you can do to make your whole experience better and easier -- whether you're looking to fight back when a claim's denied, dealing with the loss of a job or wondering how healthcare reform will affect you. Take control by reading the fine print and don't be shy about making changes to your health plan.

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When Insurance Says No

Don't take no for an answer! Don't let insurance companies intimidate you into accepting a NO. Learn your right to appeal and fight coverage denial or cancellation. Your odds of winning depend on your persistence, patience and attention to detail. One study found that patients who appealed denied insurance claims were successful in getting their cash back in more than half the cases. Have you been denied coverage altogether? You have options!

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When You Change Your Job

Leaving a job for good, no matter what the reason, is one of life's major upheavals. You may be able to continue your health coverage under the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and Consolidated Omnibus Budget Reconciliation Act (COBRA). HIPAA protects you if you lose your job and health coverage. When you find a new job that offers health benefits, HIPAA will allow you to enroll in the plan with fewer restrictions.

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Healthcare Reform

The Patient Protection and Affordable Care Act (PPACA) is a law meant to lower healthcare costs, provide greater access to healthcare and enhance the quality of care that Americans receive. The PPACA also gave the Patient's Bill of Rights a makeover, which includes the following highlights: Health insurers can't take away your coverage if you're sick, health insurers can't restrict their annual limit on your coverage and you can choose any primary care doctor or pediatrician you want from your plan's provider network.