Health Insurance 101

Find health insurance confusing? We’re here to help!

FH Health Insurance 101 is a series of guides and videos that use “plain speak” to explain health insurance. Read this series if you have a health plan from an employer, an exchange/marketplace or a union, or one that you bought directly from an insurer. 

Find answers to questions such as:

• What do the terms in my Explanation of Benefits (EOB) mean?
• How are in-network and out-of-network care different? How do they affect my costs?
• What are co-pays, co-insurance and deductibles?
• What should I think about before I choose a medical or dental insurance plan?
• I saw an in-network doctor. Why did I get a bill?
• What do I do if my claim was denied?
• How can I use my Flexible Spending Plan to pay for my healthcare costs?
   

Use this easy-to-follow series with our FH Medical Cost Lookup and
FH Dental Cost Lookup tools to help you:

• Choose a health plan;
• Plan the costs of healthcare—for you and your family;
• Decide whether to stay in-network or go out-of-network for care;
• Discuss fees with your provider;
• Review your Explanation of Benefits (EOB) form;
• Review your bills to make sure they are correct; and
• Decide whether to appeal a reimbursement decision.

Give yourself the power to make smarter choices, so you can protect your health and your wallet