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What You Should Know About Provider Networks What’s a provider network? A provider network is a list of the doctors, other health care providers, and hospitals that a plan has contracted with to provide medical care to the plan’s members. These providers are called “network providers” or “in-network providers.” A provider that hasn’t contracted with the […]

Getting Emergency Care In an emergency, you should get care from the closest hospital that can help you. That hospital will treat you regardless of whether you have insurance. Your insurance company can’t charge you more for getting emergency room services at an “out-of-network” hospital. I’m having an emergency. Should I go straight to the […]

I signed up, but don’t have health coverage. What should I do? If you think you signed up for a health plan through the Marketplace, but haven’t received your insurance card Even though you haven’t received your insurance card, your coverage may be effective. If  you need to see a doctor or get a prescription […]

Appealing Your Insurer’s Decision Not To Pay If your health insurance company does not cover your specific health care provider or service, you have the right to ask for an appeal. For prescription drugs, an “exceptions” process is also available. To learn more about the exceptions process, read “Know Your Rights.” Directions are listed on […]

Health plans will help pay the cost of certain prescription medications. You may be able to buy other medications, but medications on your plan’s “formulary” (approved list) usually will be less expensive for you. Does my new insurance plan cover my prescription?  To find out which prescriptions are covered through your new Marketplace plan: • […]