Modern medicine can perform miracles. However, in health care at least, miracles don't come cheap. Fortunately, there's health insurance. 

If you have health insurance:

• It is helpful to understand the basic concepts behind the policy to help maximize use of the policy, lower out-of-pocket costs, and minimize hassles. (The same is true for tax advantaged health related savings accounts).
• There are techniques for maximizing use of a policy. For instance, when dealing with an insurer, you are more likely to get what you need if you follow some time tested guides for talking with your insurer.
• If you have a problem getting what you want from your plan, don't just roll over and accept it. If your claim is denied, appeal. Statistics show that an appeal is worth the effort. If your story could help other people while getting an insurer to say "yes," consider talking with the media.
• If you have a choice of health insurance policies, our unique Health Plan Evaluator will help you compare different plans to determine which one is best for you based on your needs and preferences. Despite commonly held misconceptions, a managed care policy such as an HMO can work well for you if you know how to use it.
• When you renew a policy, don't assume the coverage and costs will be the same. Check the fine print as well as the easy to spot features such as premiums.
• If you have your policy through work and want to leave your job, unlock the mystery behind all those initials, ERISA, HIPAA and COBRA - federal laws that protect the insurance you received through your employer.
• If you have not been working because of your health and you are thinking of returning to work, check what could happen to your health insurance and other benefits.

If  you do not have health insurance, there are ways to get it in spite of your health condition. 

Each of these subjects and more are discussed in the documents in "To Learn More."

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