Home Understand Insurance Articles Why Do I Need Insurance? Unfortunately health issues and accidents happen, and getting sick or hurt without coverage is more expensive. For example, the cost of a broken arm is more than $2,500, and if requiring surgery, can be several times that. If a hosptial stay is req... What Are My Covered Benefits? While your coverage depends on the plan you choose, certain things are always covered on plans sold on the Public Marketplace: Doctors visits, including well woman visits, care when you’re sick, and checkups to stay healthy Emergency room t... What Do I Pay for Insurance? What Is a Monthly Premium? Your monthly premium is the set amount you pay each month to have your plan. You pay it even if you don’t receive any medical care that month. Like other bills, this premium can rise when it’s time to renew yo... How Should I Get Care? Save Money in Our Network Our network is a group of doctors, hospitals, pharmacies, and other health care providers who have agreed to provide services to our members. Because of this agreement, we know how much services from them will cost, so you... Glossary Additional Terms and Definitions A Accreditation Shows that a health plan meets standards set by an official review committee or organization. Acute Care Short-term care for an illness or health problem. Adjudication The process of paying ... How Do I Plan for the Future? How Do I Plan for the Future? Getting Compassionate Care Every Step of the Way Whether you or a family member are facing difficult decisions because of a serious illness, or you're just planning for the future, we have the resources to ... What Happens After I Get Care? What Happens After I Get Care? After you go to the doctor, how does the doctor get paid? How do you know if your visit was covered? What if you owe more for the service? We can help make sense of what happens next. After You Go to the Doctor ... Where Do I Get Care? Where Do I Get Care? Your 2-year-old has an earache. You slip and sprain your ankle. You’re feeling chest pain. Do you know where you should be getting care in each of these cases? It’s important to know because if you go to the emergen... How do I enroll in a non-Medicare plan? Click here to find out more about how and when to enroll in Individual and Family plans. Copyright © Health Alliance. All rights reserved. Last Updated: 10/1/2019; CMS Pending