FAQ

Find answers to all the common questions about health insurance plans and coverage here.

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What is health insurance?

Health insurance is a type of insurance that covers the cost of medical and surgical expenses incurred by an individual.

Why do I need health insurance?

Health insurance helps you pay for medical expenses and provides financial protection in case of unexpected illnesses or injuries.

What types of health insurance plans are available?

There are several types of health insurance plans available, including HMOs, PPOs, EPOs, and POS plans. These plans vary in terms of cost, coverage, and provider network.

What is a deductible?

A deductible is the amount of money you must pay out of pocket before your insurance coverage begins to pay for medical expenses.

What is a copayment?

A copayment is a fixed amount of money that you pay out of pocket for a specific medical service, such as a doctor’s visit or prescription drug.

What is a premium?

A premium is the amount of money you pay each month for your health insurance coverage.

What is an out-of-pocket maximum?

An out-of-pocket maximum is the most you will be required to pay out of pocket for covered medical expenses in a given year.

Can I keep my current doctor if I enroll in a new health insurance plan?

It depends on the specific health insurance plan you choose. Some plans have a specific network of healthcare providers, while others may allow you to choose any healthcare provider.

How do I enroll in a health insurance plan?

You can enroll in a health insurance plan through your employer, through the Health Insurance Marketplace, or through a private insurance company like Acme Insurance.

What happens if I miss an insurance payment?

If you miss an insurance payment, your coverage may be canceled or suspended. It is important to make timely payments to ensure that your coverage remains active.

What is an annual open enrollment period?

An annual open enrollment period is a specific time period during which individuals can enroll in a health insurance plan or make changes to their existing plan.

What is a network?

A network is a group of healthcare providers, such as doctors and hospitals, that are contracted with a specific health insurance plan.

What is a formulary?

A formulary is a list of prescription drugs that are covered by a specific health insurance plan.

What is a health savings account (HSA)?

A health savings account (HSA) is a tax-advantaged savings account that can be used to pay for eligible medical expenses.

What is a flexible spending account (FSA)?

A flexible spending account (FSA) is a tax-advantaged savings account that can be used to pay for eligible medical expenses.

What is a catastrophic health insurance plan?

A catastrophic health insurance plan is a type of insurance plan that provides coverage for major medical expenses but typically has higher deductibles and lower premiums.

Can I change my health insurance plan outside of the annual open enrollment period?

You may be able to change your health insurance plan outside of the annual open enrollment period if you experience a qualifying life event, such as marriage, divorce, or the birth of a child.

What is telemedicine?

Telemedicine is the use of technology, such as video conferencing, to provide medical services remotely.

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I was very pleased with the service I received from ACME. The agent went over all the plans at my disposal, explained everything patiently, and helped me pick the best solutions. I would recommend them to anyone.

Alicia Montgomery