INDIVIDUALSMEDIAMEMBERS
 HEALTH INSURANCE INFORMATION 
The rising cost of medical care and the resulting pressure on health insurance premiums makes health insurance top priority if you want to have your health expenses covered at a reasonable cost. The current health insurance system is quite complex and constantly changing. The information below may help answer your questions:
HEALTH INSURANCE BASICS

What are my health insurance choices? 
Are there any other sources for covering medical expenses? 
Are there any specialty health insurance policies? 
What can I do if I am having trouble settling my claim? 
BUYING HEALTH CARE INSURANCE

Should I participate in my employer’s health insurance program? 
How do I pick a health plan? 
How can I determine the quality of the insurance plan I am looking at? 
If I change jobs or become unemployed, can I take my health insurance coverage with me? 
If my employer does not offer health insurance, can I buy an individual policy? 
How can I lower my health insurance costs? 
OTHER QUESTIONS ABOUT HEALTH INSURANCE

Can I deduct my health insurance premiums on my income tax return? 
Can I deduct the medical expenses that my insurance does not cover on my income tax return? 
Can I buy health insurance if I have a serious illness such as AIDS or diabetes, or if I have a chronic condition such as high blood pressure or asthma? 
Do I need to alert my insurance company if I am expecting a baby? 
Will my health insurance pay my medical expenses outside the United States? 
What if I am disabled and can't work? 
Where can I go for more information? 
HEALTH INSURANCE TERMINOLOGY

Co-payments or Co-insurance 
Community Rating Laws 
Credit Score 
Deductible 
Family Coverage 
HIPAA (Health Insurance Portability and Accountability Act) 
In-Network/Out-of-Network 
Managed Care 
Preexisting Condition 
Primary Care Physician 
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