Health Insurance Tips

WE CAN HELP — Our health care experts are working to provide you with the resources you need to make the most of new health care consumer protections and tools.

Get The Best Deal On Health Insurance

Looking for health coverage? The Health Insurance Marketplace could save you time and money.

1. Check out options at the Health Insurance Marketplace. The plans include coverage for doctor visits, hospitalizations, maternity care, emergency room care, prescriptions and more.
Online
: HealthCare.gov
Toll free: (800)318-2596  TTY: (855) 889-4325

2. Find out about financial help that’s available. At the Health Insurance Marketplace, you can find out if you qualify for financial assistance to lower your costs.

3. Use the Health Insurance Marketplace to compare plans side-by-side. The new marketplace lists your options on one website, and shows what each plan covers.

4. Take advantage of expert help in-person, online, or by phone. Specially trained people are available in communities across the country to help you apply and understand your options. Find them at LocalHelp.healthcare.gov.

5. Don’t take no for an answer. For coverage starting January 2014, insurance companies can no longer deny you due to a pre-existing condition.

6. Keep in touch. Check for updates on our website, and tell us about your experience. We want to hear what you think so we can spot trends and advocate for ongoing improvements. Contact us.

HEALTH CARE CONSUMER PROTECTIONS

If you have coverage, you already have protections under the health care law, such as:

  • Children and young adults can stay on their parents’ plan until age 26
  • Free preventive care, including check-ups and vaccinations
  • Insurance companies can’t set a lifetime cap on what they’ll pay if you get sick
  • Rebates if your insurance company spends less than 80% of premiums on care

Plus, new protections for coverage effective January 1, 2014 include:

  • Insurers can’t deny anyone coverage for having a “pre-existing condition”
  • No more annual caps on what your insurer will pay if you get sick
  • Insurance companies can’t charge women more than men for coverage

See more information about the health care law, the Affordable Care Act

 

Issue updates

Blog Post | Health Care

Yes Doctor, But How Much Will It Cost? Potential Benefits of Health Care Price Transparency | Elizabeth Ridlington

Here are two things you probably don’t know about colonoscopies. First, they’re one of the most commonly performed screening exams. Millions of us get colonoscopies each year, but we don’t like to talk about it. Second, you probably don’t know how much a colonoscopy costs, even if you are a patient who has scheduled an exam. That’s because colonoscopies are like most health care services: patients don’t know the cost in advance of receiving care.

> Keep Reading
News Release | U.S. PIRG | Public Health, Consumer Protection, Health Care

Second recall of King Bio’s homeopathic drugs in the past month

King Bio Inc. issued the second significant voluntary recall since late July of their homeopathic drugs on Wednesday. Safety concerns over homeopathic drugs extend beyond King Bio as over the past several years, the FDA has issued recalls to several companies for a variety of health products from zinc-containing intranasal medicine to asthma drugs with toxic ingredients. 

> Keep Reading
Report | U.S. PIRG Education Fund | Health Care

Should I Stay or Should I Go?

Tips for consumers deciding whether to keep their individual health insurance plan or switch to a new plan.

> Keep Reading
News Release | U.S. PIRG | Health Care

Tips for Bypassing Healthcare.gov Glitches and Getting Enrolled

While experts work to fix the problems with the federal health insurance marketplace website, U.S. PIRG urges consumers to take advantage of other ways to enroll.

> Keep Reading
News Release | U.S. PIRG Education Fund | Health Care

Helping Students Navigate the New Health Insurance Landscape

With the health insurance exchanges open, U.S. PIRG Education Fund has launched an education campaign reaching out to students with facts about the changes, and tips to help them find the right coverage.

> Keep Reading

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News Release | U.S. PIRG | Health Care

Tips for Bypassing Healthcare.gov Glitches and Getting Enrolled

While experts work to fix the problems with the federal health insurance marketplace website, U.S. PIRG urges consumers to take advantage of other ways to enroll.

> Keep Reading
News Release | U.S. PIRG Education Fund | Health Care

Helping Students Navigate the New Health Insurance Landscape

With the health insurance exchanges open, U.S. PIRG Education Fund has launched an education campaign reaching out to students with facts about the changes, and tips to help them find the right coverage.

> Keep Reading
News Release | U.S. PIRG Education Fund | Health Care

U.S. PIRG Education Fund Announces “Health Insurance 101” Campus Education Campaign

U.S. PIRG Education Fund celebrated the kick-off of its new health care outreach and education effort focusing on young Americans. The outreach effort comes as the Affordable Care Act’s “health insurance marketplaces” prepare to open in states across the country.

> Keep Reading
Media Hit | Health Care

Los Angeles Times: Target, Rite Aid, Walgreens refill drugs without OK, patients say

Some consumers report Target, Rite Aid and Walgreens have refilled their prescription drugs without their approval, similar to allegations involving CVS.

> Keep Reading
News Release | U.S. PIRG | Health Care

Supreme Court Upholds Health Reform

Today’s decision is good news for consumers. Insurance companies can’t go back to the days of dropping your coverage once you become ill, or denying coverage to sick children. And beginning in 2014, the days of insurers being able to deny anyone coverage for “pre-existing conditions” will be history. 

> Keep Reading

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News Release | U.S. PIRG Education Fund

U.S. PIRG Education Fund is co-sponsoring a free Zoom panel in which panelists will discuss two ways consumers and patients are harmed by drug industry price manipulation and lack of competitive restraints: step therapy and rebate walls.

News Release | U.S.PIRG

Judge Richard J. Leon of the United States District Court for the District of Columbia today approved a massive merger of CVS, the country’s largest retail pharmacy chain, and Aetna, the third-largest health insurer in the United States, despite significant opposition from consumer advocates and health care organizations. Consumer Watchdog Adam Garber put out a statement in response.

News Release | U.S. PIRG Education Fund

While many Americans struggle to afford their prescription drugs, U.S. PIRG Education Fund’s survey of retail prices of commonly prescribed medications found patients can save hundreds, even thousands of dollars in some cases by shopping around at pharmacies within their communities.

Report | U.S.PIRG Education Fund

People living in the United States have access to some of the best medical care in the world, from life-saving drugs to cutting-edge surgical techniques. But our system is deeply flawed, with spiraling costs forcing many Americans to spend more on care and often receiving poor quality care for all the extra money spent.

News Release | U.S. PIRG

Today Reuters broke a story about at least 30 drugmakers that are planning to raise their U.S. prices on medicine in January 2019. The information was gathered thanks to California bill SB 17, authored by state Sen. Ed Hernandez, supported by our California state affiliate CALPIRG, and signed into law last year.

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