Introduction

Many people with group health plans take insurance for granted. When there is no problem, there is rarely a thought about what could happen without this coverage. For people with chronic diseases who need ongoing care, continued coverage is always a worry.

This chapter is a general guide to insurance terms and practices. Federal and state laws that govern medical insurance, Medicare, Medicaid and disability change often. Medical and disability insurance plans can also change often. Consider your special medical needs and money concerns before you make decisions about insurance. Get current information about the laws and medical and disability plans that apply to you.