Guides
Health coverage, one topic at a time
General education on how coverage typically works. Rules, dates and plan details vary by state and change from year to year, so confirm specifics with official sources before you decide.
Enrollment
When open enrollment happens, and why the timing matters
How the annual enrollment window works for individual and family health plans, when coverage starts, and what to review before the deadline.
Enrollment
Special enrollment and the life events that qualify
What a Special Enrollment Period is, the kinds of life changes that commonly trigger one, how long you typically have to act, and what proof may be requested.
Understanding plans
How to read a Summary of Benefits and Coverage
A walk through the standard document every health plan provides, what each part tells you, and where to look for the details it leaves out.
Understanding plans
Provider networks and referrals, explained
How HMO, PPO, EPO and POS plans differ, what in-network and out-of-network mean for your costs, how referrals work and how to check a network before you enroll.
Supplemental coverage
What supplemental coverage does, and what it does not do
How hospital indemnity, accident and similar policies work, how they differ from a comprehensive health plan, and questions to ask before buying one.
Protecting yourself
How to recognise a pressure sales call
Warning signs of high-pressure or misleading health coverage calls, what to ask, how to verify a plan independently and where to report a call.
Get reminders and plan change alerts by text
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