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Having health insurance helps to protect us from high health
care costs that most people could not meet in any other way.
It helps us pay for health care, and it ensures that we have
access to care when we need it. Research has shown that having
health insurance is closely tied to the quality and timeliness
This booklet is intended to help you sort through your health
insurance options. However, it presents general information
about health insurance. Before you make a decision, be sure
to consult the brochures and policies of the plans you are
considering for more specific information. The time you invest
in researching your health insurance choices will make a big
difference, not only in how much you pay out-of pocket, but
also in how easy it is for you to get care and how satisfied
you are with the health care services that are available to
If you can enroll in health insurance at work or through
a group or organization to which you belong, you almost certainly
have access to group coverage. Sometimes, there is only one
plan, but in many cases, there are several plans from which
you can choose.
In this guide, you have received general information about
the various types of health insurance. You have also learned
about things you should consider when choosing a health insurance
It is very important to compare plans carefully to find the
one that is best for your situation. Read and compare policies.
You should contact each plan you are considering and ask them
for a summary of their benefits. Be sure to ask questions if
something is unclear. Also, ask whether your doctor or a doctor
you may be considering participates in the plan. To be safe,
you should also contact the doctor's office to confirm that they will accept the plan.
Select for a list of resources
where you can get more detailed information on many of the
topics discussed here.