1. Different health insurance policies can offer different benefits, and some can limit which doctors, hospitals, or other providers you can use.
2. You may have to pay a deductible each plan year before your insurance company starts to pay for care you get. For example, let’s say you have a $200 deductible. You go to the emergency room and the total cost is $1,250. You pay the first $200 to cover the deductible, and then your insurance starts to pay its share.
3. You may have to pay coinsurance or a copayment as your share of the cost when you get a medical service, like a doctor visit, hospital outpatient visit, or a prescription. Coinsurance is usually a percentage amount (for example, 20% of the total cost). A copayment is usually a fixed amount (for example, you might pay $10 or $20 for a prescription or doctor visit).
4. Health insurance plans contract with networks of hospitals, doctors, pharmacies, and health care providers to take care of people in the plan. Depending on the type of policy you buy, your plan might only pay for your care when you get it from a provider in the plan’s network, or you may have to pay a bigger share of the bill.
5. You might see products that look and sound like health insurance, but don’t give you the same protection as full health insurance. Some policies only cover certain diseases or if you’ve been hurt in an accident. Some only offer you discounts on health services. Don’t mistake insurance-like products for full comprehensive insurance protection.
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