Start here
Take this one step at a time. Pick the situation closest to yours.
- I have a bill or a letter in my hands.Is this a bill or an Explanation of Benefits?
- My insurance said no.Denial next-step guide
- I have an appointment or procedure coming up.What should I check before an appointment or procedure?
- I am choosing benefits or an HSA or FSA amount.HSA, FSA, and HRA: what is the difference?
- I cannot afford a bill.What can I do when a medical bill is difficult to afford?
- My medicine costs too much.How can I lower what I pay for prescriptions?
- I am turning 65 or have questions about Medicare.How does Medicare work, and when should I sign up?
- I have little or no income and need coverage.Could I qualify for Medicaid or CHIP, and how do I apply?
- I want someone to help me.Who can help me navigate this?
How this site works
- Each answer starts with a short, direct reply. More detail is below if you want it.
- Lessons can be read in order or on their own. Progress is saved only on this device, if you choose.
- Words with a dotted underline link to the glossary.
- Every page lists its sources and shows whether experts have reviewed it.
What this site cannot do
We explain general rules. We cannot tell you what your plan will pay, decide your eligibility, or give tax or legal advice. Your plan documents, notices, and qualified professionals have the final word for your situation.