Simply Covered

Beginning March 31, 2014, almost every American must have health insurance or pay a fee through their taxes. You can get coverage through an employer, from the government, or by purchasing an individual or family plan. If you qualify for Medicare, visit our Medicare page. In 2014, you are guaranteed coverage in a health plan,… [Read more…]

When shopping for a health plan, you will be pleased to know that plans must meet certain requirements under the health care reform law: Essential health benefits are offered by most plans, no matter where you purchase the plan. Essential benefits cover doctor’s visits, hospital stays, preventive services, prescription drugs, mental health services, and other… [Read more…]

Comparing health plans can be more involved than looking at co-pay and premium amounts. Here are a few questions that can help you dig a little deeper: What type of plan should I choose? Take time to learn about the different types of health coverage available, like HMOs, PPOs, POS plans, and high deductible health… [Read more…]

Co-insurance. The amount you are required to pay as your share of the cost for services after you have met your deductible. This amount is usually a percentage of the total cost (for example, 20 percent). Co-payment. The amount you are required to pay as your share of the cost of services, due at the… [Read more…]