Have Questions? (800) 820-2981

Fast. Free. Easy.

Save On Your
Health Insurance Today

Welcome to our health insurance learning hub! If you’re feeling overwhelmed by the range of options and unsure of where to start, you’re in the right place. Our team has compiled a range of resources to help you make informed decisions about your coverage. Whether you’re new to health insurance or simply looking to review your current policy, we’ve got something for you. So let’s dive in and demystify the world of health insurance together!


Our Health Insurance Resource Center provides in-depth information and analysis on a wide range of topics related to health insurance. Whether you are looking for information on specific types of coverage, tips for choosing the right plan, or the latest news and trends in the healthcare industry, our articles are a great resource for anyone looking to learn more about health insurance.

A Comprehensive Guide to Your Health Insurance Needs

A Comprehensive Guide to Evaluating Your Health Insurance Needs Your health is your most valuable asset, evaluating your health...


Our Health Insurance Glossary is a comprehensive resource for understanding common terms and phrases used in the world of health insurance. From “co-pay” to “out-of-pocket maximum,” our glossary covers all the terminology you need to know to make informed decisions about your coverage.


The amount of medical costs the patient pays after paying the health insurance plan deductible. Co-insurance is usually a percentage of the cost and is defined in the health plan. It sometimes varies according to the type of service provided.

Open Enrollment

The period of time each year when employees can change insurance plans offered through their employer.

Pre-Existing Condition

A health condition for which a patient received treatment before enrolling in a health insurance plan. Individual insurance policies may exclude certain pre-existing conditions from coverage. Under health care reform, insurers will not be able to exclude coverage for pre-existing conditions starting in 2014.

Frequently Asked Questions

Our health insurance frequently asked questions (FAQ) section is a valuable resource for anyone looking to learn more about health insurance. This section covers a wide range of topics, including how to choose a plan and what is covered by different types of policies. Our FAQ section is designed to provide clear, concise answers to common questions about health insurance, making it a helpful resource for anyone looking to understand this complex topic.

Whether you are new to health insurance or simply looking to review your current policy, our FAQ section is a great place to start.

Medicare is a national health insurance program in the United States that is administered by the federal government. It is designed to provide healthcare coverage for people who are 65 years of age or older, as well as for certain younger people with disabilities and individuals with end-stage renal disease.

Medicare is made up of four parts: Part A, which covers hospital stays and other inpatient care; Part B, which covers outpatient medical care and some preventive services; Part C, which is also known as Medicare Advantage and allows beneficiaries to receive their Medicare benefits through private insurance plans; and Part D, which covers prescription drugs.

A Health Savings Account (HSA) is a type of personal savings account that is used to pay for qualifying medical expenses. HSAs are available to individuals who are enrolled in a high deductible health plan (HDHP).

HSAs offer a number of tax benefits, including the ability to contribute pre-tax dollars to the account and to withdraw funds tax-free to pay for qualifying medical expenses. In addition, any funds left in the HSA at the end of the year roll over to the next year, allowing the account to accumulate over time.

Yes, many health insurance plans use a tiered structure for prescription drugs. This means that drugs are grouped into different tiers based on their cost, with the lower-cost drugs in the lower tiers and the higher-cost drugs in the higher tiers.

The specific drugs that are included in each tier, as well as the out-of-pocket costs for each tier, can vary from one insurance plan to another. Generally, however, drugs in the lower tiers will have a lower out-of-pocket cost for the patient, while drugs in the higher tiers will have a higher out-of-pocket cost.

The purpose of the tiered structure is to encourage the use of lower-cost drugs whenever possible. For example, a patient may be asked to try a lower-tier drug before a higher-tier drug is approved for coverage. Some insurance plans may also require prior authorization for certain drugs, particularly those in the higher tiers.

It is important to note that the tier structure of a prescription drug plan can impact the out-of-pocket costs for medications, and it is a good idea to review the details of a plan's tier structure before enrolling.



Customers Served Per Month


Hometown Quotes delivers real-time leads directly to you to help your business grow. Contact us today to see what the Hometown Quotes difference can mean for your bottom line!

Save On Your Insurance

Lower your monthly expenses and have more money to put towards other important things in your life.

Auto Insurance Quotes

Whether you drive a car or a truck, have a single-driver or multi-driver household, and need full coverage or the bare minimum, we can help find the best policy for you.

Home Insurance Quotes

Mansion or tiny home, century-old farmhouse or modern loft, we’re here to find the best policy to keep your home sweet home covered.

Life Insurance Quotes

Life Insurance might not be top of mind but protecting your loved one’s financial future is important. Find out more about coverage options that best fit you.