How Health Insurance Works

Have questions about how health insurance works? You've come to the right place. We've covered the basics of health insurance for you below. We explain the differences between deductibles, coinsurance and copays, in-network and out-of-network benefits, HMO and PPO plans and more.

What you pay

Figuring out your share of the cost for health care can be confusing. Find out what you pay and what your health insurance pays.

How insurance networks work

Knowing about your plan's network is important. It affects which doctors you can see and how much you pay for care. Learn more about our networks below.

How to get the most value from your coverage

Health insurance is a big expense. Learn how to keep your costs manageable, and how to use your coverage to the fullest.