Preventive Care: What’s Actually Free Under Your Health Plan
Checkups, screenings, and vaccines are free under most plans when billed as preventive. Learn the list, the rules, and the coding trap that creates bills.
Know what care costs before you get the bill
Plain-English guides to what medical and dental care costs in the US without insurance, and the cheapest ways to pay for it.
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Alternatives to COBRA After a Job Loss: Every Option Ranked by Cost
COBRA is the default after a job loss and usually the priciest. Medicaid, marketplace plans, and a spouse's plan are cheaper. Compare every option.
Health Insurance for Early Retirees: Bridging the Gap to Medicare
The years between retirement and Medicare at 65 bring the highest individual premiums you will ever pay. Here are five ways to cover the gap.
Telehealth Coverage in 2026: What Your Plan Pays For
Medicare telehealth from home is extended through 2027. Commercial plans cover video visits widely but set their own rules. Here is what to check.
Prescription Drug Tiers: How Your Formulary Decides What You Pay
Tier 1 generics cost a few dollars; specialty tiers can cost thousands. Learn how formularies work and how to get your drug onto a cheaper tier.
Mental Health Coverage: What the Parity Law Actually Requires
The 2008 parity law bars plans from restricting mental health benefits more than medical benefits. Here is what it requires and how to appeal denials.
Pregnancy and Childbirth: What Health Insurance Covers
Prenatal visits, delivery, and newborn care are required coverage, but deductibles and network rules decide your bill. Here is what to expect.
How we write our guides
Our guides give price ranges, since what you pay depends on where you go and the treatment you need. Each one explains what pushes the price up or down and how to check it before you book.
We update a guide when prices or rules change, and every guide shows the date of its last update. We don't earn commissions from providers or insurers. If you spot a mistake, email hello@insightsoninsurance.com and we will correct it.
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