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Understanding Health Insurance

True Knowledge

Choosing a health insurance plan involves more than just the monthly premium. There are many factors to understanding your coverage. Click on the buttons below to learn more and make the best healthcare coverage choices.

Copays, Coinsurance, Deductibles, & More

Learn what you’re responsible for.

HMOs, PPOs, & Provider Networks

Avoid unexpected bills by staying in-network.

Choosing the Right Doctor

Primary care providers vs. specialists.

Urgent Care vs. Emergency Care

Seeking the most appropriate care will save you money.

Individual and Family Enrollment Periods

When can individuals and families purchase health coverage? Learn the difference between open enrollment and special enrollment periods.

Glossary of Health Insurance Terms

View and download this six-page glossary. You’ll also find some examples of how out-of-pocket costs are applied.