This toolkit will provide information and tools that a rare disease patient or caregiver will need to make an informed decision about health insurance.
A basic overview of health insurance:
* Health insurance is a way to pay for healthcare
* Protects individuals from paying the full costs of medical services
* You choose a plan with defined benefits
* You pay the insurer a premium on a defined basis (monthly, quarterly, or annually)
* Insurer agrees to pay a portion of your covered medical costs
Health insurance can take many forms and the specifics of what an individual policy covers, the cost of premiums, the level of deductibles, and the requirement for copayments will all vary from policy to policy. If your rare disease requires the care of specialized physicians and long-term therapy, you really want to choose a plan that helps you best.
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