Skip to main content.

Understanding How Health Insurance Works

We know health insurance is confusing. That’s why we want to make your experience with SummaCare seamless and informative. Our goal is to provide you with the resources and tools you need to choose health insurance coverage that is right for you, your family, your business, your needs and your budget.

From learning about what types of insurance are available to you and why provider networks are important to understanding how to limit your out-of-pocket costs and where to go to learn more about your insurance options, we want you to feel empowered and educated in your insurance shopping journey.

Choosing Your Coverage

When shopping for health insurance, it’s important to know what type of coverage you may need. Many insurance companies offer a variety of insurance products, so knowing what you are shopping for can help filter your options and eliminate confusion.

Insurance Costs

Several factors determine health insurance costs, so understanding the basic costs associated with a plan will help you find a plan that meets your needs and budget.

Insurance Provider Networks

Understanding what a provider network is and how it works when shopping for health insurance coverage is one of the first steps to narrow down your plan options.

When you have health insurance, it is important to always carry your member ID card with you. You will need this card whenever you seek medical services, such as visiting your doctor or going to the emergency room.

Your member ID card typically contains important information, such as plan type, plan name and network name, and you need this information when seeking medical services, such as visiting your doctor or going to the emergency room. Your member ID card will usually also include phone numbers to your health insurer’s customer service department, as well as other important phone numbers and information on how to access care.

New to Medicare?

Learn about Medicare and who qualifies.

Buying individual & family insurance for the first time?

Learn more about individual & family plans, including when to shop.

Shopping for coverage for your employees?

Learn more about plans designed for employers to offer as part of an overall benefits package.

Health Insurance is Complex

Health insurance is complex and unique, just like you. Fortunately, we’ve taken some of the guesswork out of understanding how health insurance plans work and things you need to consider when shopping for a plan.

FAQs        Glossary


Helpful Links

Ready to Find a Plan?

        Shop Medicare        Plans

Ready to Enroll?

Shop Individual or Family Plans

Looking for a Quote?

       Shop Employer       Plans

Ready for a Quote?