Articles
Plain-English guides for people who buy their own health insurance or are trying to figure out their options. Browse by topic, or scroll down for our newest articles.
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Medicare Advantage vs. Medigap: How to Choose
Medicare Advantage costs less each month but uses networks and approvals. Medigap costs more but lets you see any Medicare doctor. How to decide.
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Does Insurance Cover Wegovy, Zepbound or Ozempic?
Plans usually cover Ozempic for diabetes, but coverage for Wegovy and Zepbound for weight loss is shrinking. Medicare’s $50 option and cash prices explained.
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Does Insurance Cover Drug and Alcohol Rehab?
Most health plans cover addiction treatment, from detox to outpatient care. What’s covered, the rules plans must follow, and how Medicare and Medicaid help.
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Does Insurance Cover Chiropractors?
Many plans cover chiropractic visits with limits, Medicare covers only spinal manipulation, and Medicaid varies by state. What to check before you go.
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Does Insurance Cover Urgent Care? Urgent Care vs. the ER
Yes, most plans cover urgent care for far less than an ER visit. What it costs, when to go to the ER instead, and the out-of-network…
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What Is Prior Authorization, and How Do You Get It Approved Faster?
Prior authorization means your plan must approve care before it pays. How long it takes, why requests get denied, and how to get approved faster.
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What Is an EPO Health Plan?
An EPO covers care only from in-network doctors and hospitals, except emergencies, and usually skips referrals. How EPOs compare with HMOs and PPOs.
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Medicare Open Enrollment: What to Check Before December 7
Medicare open enrollment runs October 15 to December 7, 2026. What’s changing for 2027 and what to check before your plan renews.
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Medicaid Work Requirements: What Changes in 2027
Starting by January 2027, many adults on Medicaid must show 80 hours a month of work, school or volunteering. Who’s affected, who’s exempt, and what to…
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How to Lower Your Marketplace Premium for 2027
Marketplace premiums are going up again for 2027. Practical ways to pay less, from updating your income to comparing bronze, silver and gold plans.
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