Health Insurance FAQ, Information & Guides

Put helpful health insurance information right at your fingertips with some help from us. Get the answers you need fast with our health insurance FAQs and more now.

Birthday Rule
Q: I heard that if both my wife and I have health insurance that covers our kids, something called "the birthday rule" applies. What does that mean? Read Answer

Child With Health Problems
Q: I'm adopting a child with health problems. Will I have trouble adding him to my health insurance policy? Read Answer

Chiropractic Insurance
Q: Is there such a thing as chiropractic insurance? Read Answer

COBRA Eligibility
Q: If a company goes out of business, are the employees eligible for COBRA even though there is no longer a health insurance policy for the company? Read Answer

Disability Insurance if Self Employed
Q: Can I get disability insurance if I'm self-employed? Read Answer

Health Insurance & Living Abroad
Q: I'm planning on living abroad for several months. Do I need special health insurance? Read Answer

HMO vs. PPO
Q: What is the difference between an HMO and a PPO? Which one is better? Read Answer

Independent Contractor
Q: I do consulting as an independent contractor. What are my options regarding health and disability insurance? Read Answer

Insurance Needs for College
Q: My child is heading off to college this fall. What insurance issues does this raise? Read Answer

Long-term Care Coverage
Q: What are the differences in the levels of care and coverage with long-term care insurance? Read Answer

Medicare Coverage & Retiring
Q: I'm retiring soon and I'm concerned about the cost of medical care, especially prescription drugs. Will my Medicare coverage be enough? Read Answer

Medicare HMO Out of Business
Q: My Medicare HMO is getting out of the business, what should I do? Read Answer

Medigap Policy & Dental Care
Q: Will my Medigap policy cover dental care? Read Answer

Nursing Home Insurance
Q: Do companies offer nursing home insurance? Is that offered in a long-term care policy? What is usually covered in long-term care policies? Read Answer

Paying for Infertility Diagnosis
Q: Are health insurance companies required to pay for infertility diagnosis and treatment? Read Answer

Pet Health Insurance
Q: I own a pet and my vet bills are sky-high. Is there such a thing as health insurance for animals? Read Answer

Pregnant & Changing Jobs
Q: I'm planning to change jobs, but I'm also pregnant. Should I be concerned about qualifying for health insurance coverage? Read Answer

Prescription & Medical Coverage
Q: Do I need prescription drug coverage if I already have major medical coverage? Read Answer

Prescription Insurance
Q: How much does prescription insurance usually cost, and does it include prescription delivery? Read Answer

Short-term Medical Insurance
Q: I am in between jobs and need short-term medical insurance. How broad is the benefit coverage under short-term medical insurance? Read Answer

Single Parent & Child's Insurance
Q: As a single parent, what can I do to make sure my child's health insurance needs are covered? Read Answer

Specialist Out of Network
Q: I belong to an HMO, but I would like to see a specialist who is outside of my provider network. What are my options? Read Answer

Unmarried Partners
Q: If an employer offers health insurance coverage to the spouses of employees, must this coverage be extended to unmarried partners as well? Read Answer