How Health Insurance Works

Have questions about how health insurance works? You've come to the right place. We've covered the basics of health insurance for you below. We explain the differences between deductibles, coinsurance and copays, in-network and out-of-network benefits, HMO and PPO plans and more.

Figuring out your share of the cost for health care can be confusing. Find out what you pay and what your health insurance pays.

How do deductibles, coinsurance and copays work?

How do out-of-pocket maximums work?

What's the difference between in-network and out-of-network benefits?

How does my deductible impact my premium?

How do tiered copays work?

Knowing about your plan's network is important. It affects which doctors you can see and how much you pay for care. Learn more about our networks below.

What's the difference between HMO and PPO plans?

What do I need to know about the different Blue Cross networks?

What are local health insurance networks and how do they work?

 

Health insurance is a big expense. Learn how to keep your costs manageable, and how to use your coverage to the fullest.

What are essential health benefits?