How Health 保险 Works

Health insurance offers a number of benefits. It covers crucial services, it's less expensive than paying on your own for care and it provides financial protection. But it often requires help to successfully understand and navigate.

了解哪些 health insurance we accept 皇冠hga025大学洛杉矶分校健康中心.

跳转到: Types of health insurance | Out-of-pocket expenses

Types of Health 保险

Health insurance pays for many (if not all) of the medical needs you may have. Each month, you make a payment to a health insurer, such as 医疗保险 or your insurance company. Some employers chip in for this payment.

作为回报, your insurer covers all or some of your medical costs, as long as you follow the insurer's rules. For example, your insurer may only sign contracts with certain doctors and hospitals. You must stay in this "network" or risk having your insurer decline coverage.

Health insurers offer many different types of plans. 我们接受:

Government health insurance programs

皇冠hga025医保:

描述: Medi-Cal is California's Medicaid program. The state and the federal 政府ernment jointly fund it. It provides free or low-cost care to children and adults with limited incomes.
联系:叫 800-541-5555 或访问皇冠hga025医保.ca.政府.

医疗保险:

描述: This insurance program from the federal 政府ernment covers people 65 and older, as well as some people with certain diseases or disabilities. 医疗保险 includes Parts A and B (coverage for hospitals and doctors). Part D (prescription drug coverage) is optional and costs extra. You may only join during certain enrollment periods.
联系:叫 800 -医疗保险 (800-633-4227)或参观医疗保险.政府. You may find it easier to contact an outside group for advice. For questions about your options and rights, reach the nonprofit HICAP (Health 保险 Counseling and Advocacy Program) at cahealthadvocates.org/hicap or 800-434-0222. Learn about prescription drug options through our partner, the consultant eHealth, at 医疗保险.com or 877-345-6677.

Health insurance through private plans

医疗保险的优势:

描述: These plans are similar to traditional 医疗保险, but approved, private companies offer them. They cover services from doctors and hospitals. They frequently cover prescription drugs as well.
联系: Reach out to the individual health insurer. An overview of your options is available through our partner, the consultant eHealth, at 医疗保险.com or 877-345-6677.

HMOs (health maintenance organizations):

描述: For these plans, you can only see doctors and use hospitals within a set network. You must also choose a PCP, or primary care physician. To see a specialist, you first need a referral from your PCP.
联系: Reach out to the individual health insurance company.

PPOs (preferred provider organizations):

描述: With these plans, you can see specialists without a referral from a PCP. You can see any doctor or use any hospital as long as you stay within your insurer's approved network of providers and hospitals. Your plan may allow you to receive care out-of-network but may not cover as much of it.
联系: Reach out to the individual health insurance company.

POS (point of service) plans:

描述: These plans combine aspects of HMOs and PPOs, with a network of approved doctors and hospitals. Like an HMO, you must choose a primary care physician and secure referrals to see specialists. Like a PPO, there is often some flexibility with going out of network.
联系: Reach out to the individual health insurance company.

Health 保险 and Out-of-Pocket Expenses

For many people, health insurance pays a portion of their health care costs but not all of it. These costs are known as "out-of-pocket" expenses. Learn more about how health insurance deductibles work, as well as about copays and co-insurance. (Watch video below).

How Health 保险 Works