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Understanding Insurance - Frequently Asked Questions


The Frequently Asked Questions page is grouped into top-level sections for convenience.
Click on the category or type of insurance that your question relates to:





Insurance Information and Answers to
Health Questions



Q&A
How do I get a Health Insurance quote from your website?

Q&A
I have a pre-existing condition. How can I get coverage this year?

Q&A
What is a Primary Care Physician (PCP)?

Q&A
Do I need a referral from my Primary Care Physician (PCP) to see a specialist?

Q&A
What factors should I consider when choosing a doctor?

Q&A
Can I keep my current doctor if I change health plans?

Q&A
What's the difference between in-network and out-of-network care?

Q&A
Should I get a second opinion about my medical condition?

Q&A
Does it make a difference which hospital I go to for my surgery?

Q&A
What's the difference between copayment and coinsurance?

Q&A
What is balance billing?

Q&A
What does "out-of-pocket maximum" mean and how can I use it in comparing plans?

Q&A
Are there certain types of coverages (prenatal care, mammograms, chemical dependency rehabilitation programs, etc.) that insurance companies are required to provide?

Q&A
In the past, I've been denied reimbursement for using the emergency room. What is considered a medical emergency?

Q&A
Will my health plan cover me when I need medical care out of town?

Q&A
Will my preexisting condition be covered when I change health plans?

Q&A
My husband and I are getting divorced, and my children and I are covered by his employer's health plan. What are my options after the divorce?

Q&A
Can my insurance ever be cancelled?

Q&A
My husband and I are insured by our own employers’ plans, and I'm also covered as a dependent on his plan. What's the difference between primary and secondary coverage?

Q&A
What types of alternative medicine services do insurance companies cover?

Q&A
I just got laid off. What should I do about health insurance?

Q&A
I am self-employed and have an individual health plan for my family and myself. How do I keep my business going if I'm incapacitated for a long time?

Q&A
I am in between jobs and need short-term medical insurance. How broad is the benefit coverage under short-term medical insurance?

Q&A
My insurer will only cover a generic equivalent of a drug my doctor prescribed. What should I do?

Q&A
Do employers have to offer health insurance to domestic partners?

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