Frequently Asked Questions

What is health insurance?

Health insurance is a type of insurance coverage that pays for medical and surgical expenses incurred by the insured. It helps to protect you and your family from the high cost of medical care.

How does health insurance work?

Health insurance works by having the policyholder pay a monthly premium to the insurance company. In exchange, the insurance company agrees to pay a portion of the policyholder's medical expenses when they receive medical care.

What is covered under a health insurance policy?

The coverage of a health insurance policy varies depending on the specific policy. However, common types of coverage include hospitalization, doctor visits, prescription drugs, preventive care, and diagnostic tests.

How do I choose the right health insurance plan?

When choosing a health insurance plan, consider factors such as your health needs, budget, and doctor preferences. Research different plans and compare their benefits, costs, and coverage to find the best plan for you.

What is the difference between in-network and out-of-network providers?

In-network providers are medical professionals and facilities that have agreed to contract with the insurance company to provide services to policyholders at a lower cost. Out-of-network providers are those who do not have a contract with the insurance company and may charge higher fees for services.

Can I change my health insurance plan?

Yes, you can change your health insurance plan during the open enrollment period or if you experience a qualifying life event such as getting married or having a baby.

What if I cannot afford health insurance?

If you cannot afford health insurance, you may be eligible for government-sponsored programs such as Medicaid or subsidies through the marketplace. You can also consider alternative insurance options such as short-term health insurance or health sharing ministry programs.