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Understanding important health insurance jargon can help you navigate insurance with confidence.
pp王者电子官网 is complicated to begin with, but health insurance can feel 特别是 复杂的. Whether you're in the market for health insurance, 或者发现自己不得不使用它, knowing the basics of how health insurance works can help to understand what you've got to pay, 为什么.
It's no secret that 医疗保健 can be expensive. 最重要的是, your monthly health insurance costs can vary depending on the type of plan you choose. The health insurance simplified infographic can help shed some light on common key words and phrases to understand as you choose the 医疗保健 plan that's best for you, or better understand the coverage you already have.
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Open enrollment for many major medical plans is typically November through December. If you have a qualifying life event happen (like getting married or moving) you can make adjustments outside of the designated enrollment period.
在游戏中走在前面, take a look at your current 医疗保健 plan to make sure you're confident with your coverage and understand your plan. 然后，看看 www.医疗保健.政府 for even more specific 医疗保健 plan information.
Here are common health insurance terms and what they mean:
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Cost of your health insurance, typically paid on a monthly basis.
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Amount you pay before the insurer pays any expenses. The higher the deductible, the lower your premiums will generally be.
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Percentage or amount you are responsible for after you pay the whole deductible amount.
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The health insurance copayment is sometimes due to your provider each time to visit, 其他时间将在访问后计费.
最大自付额
你每年支付的最高金额, 不管账单有多高, before an insurer pays all remaining eligible bills.
These are the most common plans to choose from:
PPO
PPO insurance uses a network of doctors to provide lower costs, 但你也可以使用网络外的医生, 代价可能更高.
健康维护组织
HMO insurance focuses on preventative care and assigns a primary care physician as your "gatekeeper".
Other benefits that may be available in your plan:
弹性开支帐户(FSA)
Account you contribute to tax free to help pay for eligible medical expenses. If you don't use money you contribute for the year, you may lose it.
健康储蓄帐户(HSA)
Account you contribute to tax free to pay for medical expenses, but is only available when you have a high deductible medical plan.
