Health Insurance Simplified
BROWSE PLANS
A FEW THINGS TO NOTE
Health insurance varies from person to person, family to family. As such, our survey asks a few basic questions so that we can provide you with the most relevant information to you. Rest assured, we will never store or sell your data!
While InsureEZ always aims to provide you with accurate and up-to-date information, it's important to note that the following data is not obtained from any particular insurance provider and, as such, is an estimate. Please follow up with your specific insurance provider during the plan registration process.
INSURANCE PLAN BASICS
Our database is composed of links to the basic health insurance information document -- the Summary of Benefits and Coverage (SBC). Insurance providers and employers are required to distribute this to you when you sign up for a plan. The SBC is a good starting place for plan information, but more details can be found in your Evidence of Coverage or Certificate of Coverage document. An example SBC is displayed and explained below. For definitions of terms, see our Terms and Abbreviations page.
AT THE TOP: Name of plan, who's covered (family or individual), plan type, and coverage period
FIRST PAGE:
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Deductible -- how much you must pay for some services before insurance begins to help, along with services covered before you meet your deductible payment
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Out-of-pocket limit -- how much you have to pay (not including your premium) before insurance will cover all healthcare expenses
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Provider network -- who you can see covered by your insurance, and who you must pay full price for
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Referrals -- do you need a referral from your primary care professional before you can see a specialist
SECOND PAGE:
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Copay rates -- what you can expect to pay for in-network or out-of-network doctor's visits, specialist visits, medications, and emergency care (copayments are fixed amounts)
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Coinsurance rates -- similar to copay rates, but are more often used for high cost healthcare expenses and are a fixed percentage of the list price
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You can find your drug formulary linked here, which will give you more information about which medications fall into which tiers
THIRD PAGE:
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Copay rates -- what you can expect to pay for in-network or out-of-network hospital stays, behavioral health, pregnancy care, rehab and similar services (copayments are fixed amounts)
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Coinsurance rates -- similar to copay rates, but are more often used for high cost healthcare expenses and are a fixed percentage of the list price
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Dental and vision care are sometimes provided under standard health insurance plans, sometimes not.
FOURTH PAGE:
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Excluded services -- healthcare services that your insurance will generally NOT cover, meaning you pay the full ticket prices for these services
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Covered services -- other healthcare services that may be covered by insurance with some limitations
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Notices -- this section details your right to continue your coverage, find new coverage if you plan ends (especially due to an employment change), and access this document in your native language
FIFTH PAGE:
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Example scenarios -- some SBCs will provide common example situations (pregnancy care with hospital delivery, chronic condition management, and emergency room care in this document) to help you get a sense of how costs are applied
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These are NOT guarantees of costs in your situation, since you may have out-of-network physicians involved in your care or other services offered to you
READY TO REVIEW PLAN INFORMATION?
Most Americans obtain health insurance from their employer, a government entity, through the health insurance marketplace, or privately. We've subdivided our health insurance database so that you can browse all plans by provider, by employer, or by government office. Click below to see more!