Frequently Asked Health Insurance Questions

Under the terms of the Families First Coronavirus Response Act (H.R.6201), Medicare, Medicaid, and private health insurance plans – including grandfathered plans – are required to fully cover the cost of COVID-19 testing, without any cost-sharing or prior-authorization requirements, for the duration of the emergency period. That includes the cost of the lab services as well as the provider fee at a doctor’s office, urgent care clinic, or emergency room where the test is administered.

Health insurance can cover a variety of things, from your regular check-ups and family care to your major medical expenses. The types of services that are covered will vary with different healthcare providers and plan types, so it is important to determine your needs before buying a specific health insurance plan.

Health insurance can help you pay for your regular healthcare costs as well as your major medical expenses, depending on the type of plan you choose.

You will pay a premium of some kind, based on your plan and coverage, whether you get your health insurance through your employer or privately. Depending on your type of plan, you may have co-pays, deductibles and coinsurance.

The novel coronavirus – and the COVID-19 disease it causes – have dominated headlines for several weeks, and have triggered a massive public health response in the United States. The short answer? It depends. With the exception of Original Medicare, health insurance differs greatly in the U.S., depending on where you live and how you obtain your coverage.

If you get your health coverage through an employer, contact them about when you can change your plan. You have two opportunities to change a plan. During open enrollment or during special enrollment.

The Affordable Care Act requires all employers who have at least fifty full-time employees to provide them with subsidized health care coverage.

If you are receiving health insurance benefits through your work, be aware that while the costs may seem high when they are deducted from your paycheck, your employer is likely paying about three times as much as you are toward your premiums.

To make shopping for health insurance easier, plans you purchase for you and your family are divided into metal tiers: bronze, silver and gold. We all know gold costs more than silver, and silver costs more than bronze. But when it comes to health plans, metal tiers tell you more than just price.