Insurance should cover most of the cost of your medical bills as long as you remain in network, meaning that you have to choose a doctor from a pre-approved list of medical providers. There’s two types of plans for health care. Health maintenance organizations, or HMOs, are larger plans that will pay for health care costs. Typically, HMOs are cheaper because they only work with a select group of doctors, optometrists or dentists.

In a Preferred provider organizations or PPOs you have the flexibility to see doctors who usually don’t work with your insurance. If you seek medical care from someone who doesn’t work with your insurance company, you can usually take your bill to your health insurance company to see if they’ll pay for part of the price. When you have health insurance, your provider will have a list of pre- approved prices or percentages of how much they’ll pay for your bill and what you have to do is pay the co-pay. If you’re in an emergency, though, health insurance, no matter whether you’re with a PPO or HMO, will pay for your ER costs if they deem it medically necessary.

Some health insurance apps also let you book an appointment without having to ever call and talk to a human being on the phone. Other apps for health insurance also allow you to search for doctors who may be open later than the usual 9 to 5 or settle your claims, They should also all feature some sort of information from your insurer to make sure that you have information you need at the doctor’s office if asked.