5 Things to Know About Health Insurance

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This information is also available in:

中文 – Chinese
한국어 – Korean
Tagalog – Tagalog
tiếng việt – Vietnamese

About the Health Insurance Marketplace

  1. There are many kinds of private health insurance policies. Different kinds of policies can offer very different kinds of benefits, and some can limit which doctors, hospitals, or otherproviders you can use.
  2. You may have to pay coinsurance or a copayment asyour share of the cost when you get a medical service,like a doctor’s visit, hospital outpatient visit, or a prescription. Coinsurance is usually a percentage amount(for example, 20% of the total
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    cost). A copayment is usually a fixed amount (for example, you might pay $10 or $20 for a prescription or doctor’s visit).

  3. You may have to pay a deductible each plan year before your insurance company starts to pay for care you get. For example, let’s say you have a $200 deductible. You go to the emergency room and the total cost is $1,250. You pay the first $200 to cover the deductible, and then your insurance starts to pay its share.
  4. Health insurance plans contract with networks of hospitals,doctors, pharmacies, and health care providers to take care of people in the plan. Depending on the type of policy you buy, your plan may only pay for your care when you get it from a provider
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    in the plan’s network, or you may have to pay a bigger share of the bill.

  5. You may see products that look and sound like health insurance, but don’t give you the same protection asfull health insurance. Some examples are policies thatonly cover certain diseases, policies that only cover youif you’re hurt in an accident, or plans that offer you discounts on health services. Don’t mistake insurance-like products for full comprehensive insurance protection.

* This information is available from the Centers for Medicare & Medicaid Services.


Get more information about how insurance works at HealthCare.gov. You can also call the Health Insurance Marketplace Call Center at 1-800-318-2596. TTY users should call 1-855-889-4325.

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中文 – Chinese

你有權利免費用您的語言獲得幫助和資訊。要用中文與傳譯員探討健康保險市場,請致電 1-800-318-2596.

健康保險 的價值 | 關於 Health Insurance Marketplace | 關於 SHOP Marketplace | 需要支付得起的健康保險? | 需要支付得起的 健康保險? | Health Insurance Marketplace 的重要日期 | 明智的選擇為您帶來健康的生活。Health Insurance Marketplace | 選擇健康計劃時應考慮的事情 | 為公司選擇計劃時應考慮的事情 | 準備好在 Marketplace 中登記

 

한국어 – Korean

한국어로 도움과 필요한 정보를 무료로 받을 수 있는 권리가 있습니다. 한국어로 의료 보험 마켓플레이스 (Health Insurance Marketplace)에 대하여 통역이 필요하시면, 1-800-318-2596 으로 전화하십시오.

건강보험의 가치 | 건강보험거래소에 대해서 | SHOP 거래소에 대해서 | 적절한 가격의 건강보험이 필요하십니까? | 적절한 가격의 건강보험이 필요하십니까? | 건강보험거래소 관련 주요 일정 | 더 나은

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선택. 더 나은 건강 건강보험거래소 | 건강보험을 선택할 때 고려해야 할 사항들 | 사업체를 위한 보험선택 시 알아야 할 사항들 | 건강보험거래소에 등록하기 위해 준비하십시오

Tagalog – Tagalog

Mayroon kang karapatan makakuha ng tulong at impormasyon sa iyong wika na walang gastos. Upang makipag-usap sa isang tagapagsalin sa Tagalog tungkol sa Health Insurance Marketplace, tumawag sa 1-800-318-2596.

Ang Halaga ng Pangkalusugang Kaseguraduhan | Tungkol sa Health Insurance Marketplace |Tungkol sa Health Insurance Marketplace

 

tiếng việt – Vietnamese

Quý vị có quyền nhận sự giúp đỡ và thông tin bằng ngôn ngữ của mình miễn phí. Để nói chuyện với một thông dịch viên bằng tiếng Việt về Thị Trường Bảo Hiểm Sức Khỏe, xin gọi số 1-800-318-2596.

Giá Trị của Bảo Hiểm Sức Khỏe | Thông tin về Health Insurance Marketplace | Thông tin về SHOP

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