May 19, 2020
Correct. Recent estimates hold that more than 40 million Americans lack health insurance. Make sure you’re not one of them. The good news is that most employers offer health insurance to employees, usually at fairly reasonable group rates. Most plans boil down to a choice of two options, known as managed care and fee-for-service.
Partially. Health insurance only helps to pay your medical expenses. To keep income coming in if you can't work for a time, look into getting disability insurance. This is one of the more commonly overlooked types of insurance, and one that most working families really need. It pays you an income if you're incapable of generating your own income for any period of time.
To find out if your doctors and other health care providers are covered by your new plan, or to find a covered provider if you don’t have one yet:
It depends. With the exception of Original Medicare, health insurance differs greatly in the U.S., depending on where you live and how you obtain your coverage.
However, health plans that are not considered minimum essential coverage are not required to cover COVID-19 testing under the federal rules. This includes short-term health plans, fixed indemnity plans, and healthcare sharing ministry plans. But some of these plans are voluntarily covering COVID-19 testing and telehealth, so the specifics depend on the plan.
