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Health Insurance

Health Insurance can be confusing. Let’s take it one step at a time and get started with the basics to help you make informed decisions.

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Medical Bills

It can be challenging to understand and manage medical bills. Let’s walk through medical bills and the steps you can take to reduce costs before and after receiving care.

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Employment & Disability

If you are diagnosed with a medical condition that does not allow you to work in the same way as before, there are steps you can take. Let’s explore patient and caregiver protections, options when losing employment, and disability insurance.

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Did you know?
26% of Americans have
avoided care or treatment because
they were unsure of what their
insurance covers. 

Click to learn how insurance works, how to pick a plan that works for you,
and how to use your insurance. 

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 Americans who appeal a denial of
 coverage from their insurance company, win the
appeal and get coverage for the care
prescribed by their health care team up to
60% of the time.

Click to learn tips on using your insurance and how to appeal denials of coverage.

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Only 40% of Americans say they're
"very confident" with choosing
the right health insurance
for them.

Click to learn tips on picking a plan that works for you.

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About half of the people in the U.S.
receive health insurance through
an employer.

Click to learn about employer and individual insurance.

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Receiving medical care and prescription
drugs from in-network health care
providers may save you money.

Click to learn about finding in-network health care providers and pharmacies.

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Some health insurance companies may require
you to get their approval before you
get certain medical care or prescription drugs,
which is often called a
Prior Authorization.

Click to learn tips for getting prior authorizations.

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You can file an exception request
with your health insurance company to
cover a drug that is medically
necessary for you and is not on the list
of drugs covered by your plan.

Click to learn about exception requests for prescription drugs and when they might be helful. 

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Get Answers Have you ever thought...

I have insurance, but I want to understand how to use it better to lower my out-of-pocket costs.

Lowering your out-of-pocket costs starts with knowing how to use your insurance. There are steps that may lower your out-of-pocket costs.  
Click on a topic to learn more: 

How do I pick a Health Insurance plan that works best for me? 

There are 3 questions to ask when picking a health insurance plan: 

  • What will the plan actually cost me? 

  • Are my doctors and other health care providers included in the plan’s network? 

  • Does the plan cover my prescription drugs? 

To learn more about picking a plan that works for you, visit the “Decide Which Plan Works for You” section within " Health Insurance "

My insurance company has denied coverage for my care, and I don’t know what to do. 

  • At some point, your health insurance company may refuse to pay for your medical care or prescription drugs, which is called a denial of coverage. If you disagree with your insurance company’s decision, you can appeal it, and those who do may win their appeal up to 60% of the time and get coverage for their care. 
  • To learn more, review “Appealing Denials of Coverage.”

Are there ways to lower my costs before I get care? 

Yes, there may be ways to lower your costs before you get care, including: 

  • Review your health insurance at least each year to make sure you have coverage that is best for you; and ensure your health care providers have your up-to-date contact and insurance information.  
  • Discuss costs with your health care team before receiving care. 
  • Go to in-network providers when possible 
  • Think of your health care like other goods and services you buy. You can shop around, compare, and even negotiate prices with health care providers.  
  • Keep track of and use your out-of-pocket maximums to your advantage. 

To learn more, review “Ways to Avoid Higher Medical Bills Before Care.” 

I've received a medical bill and can’t afford to pay it. 

If you get a medical bill that you are unable to pay, consider contacting your health care provider to talk about your options. You can often negotiate: 

  • More time to pay the bill

  • A payment plan

  • A lower lump-sum payment 

You may also qualify for financial assistance programs at your health care facility.  

To learn more, review “Negotiating and Paying Medical Bills.”  


On MyHealthcareFinances, you can View, Print, and Share…
  • Interactive Content
  • Launch an interactive learning experience with voice-over and interactivity for you to learn at your own pace.
  • Be Informed Guide
  • Keep important information related to healthcare finances right at your fingertips.
  • Steps to Take Guide
  • Walk through steps to keep in mind for healthcare finance processes to be ready to take action that’s right for you.
  • Conversation Guide
  • Get questions to ask your healthcare providers, pharmacists, and family to spark conversation.
About Us

Our Goal

We believe access to healthcare improves lives. We understand paying for healthcare can be complicated and feel confusing and stressful for anyone.
MyHealthcareFinances is a tool to help you better understand finances related to healthcare and steps you may take to lower your costs. Our goal is to provide an overview of key topics that may be helpful to you and point you in the right direction on where to find more information.  

We hope that you will use what you learn here to work with your health care team, your family, and others who play a role in your healthcare finances. By using this tool, you are taking an important step to empower your path forward.  

We hope that you will use what you learn here to work with your health care team, your family, and others who play a role in your healthcare finances. By using this tool, you are taking an important step to empower your path forward.  

Our Team

MyHealthcareFinances is a collaboration between Pfizer and Triage Cancer, joining people with a shared passion for improving healthcare-related financial literacy. The development team has decades of experience helping people understand and navigate healthcare and healthcare finance questions. Content shared in this tool was adapted, with permission, from copyrighted content of Triage Cancer.

We’re in relentless pursuit of breakthroughs that change patients’ lives. We innovate every day to make the world a healthier place. It was Charles Pfizer’s vision at the beginning, and it holds true today.

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Triage Cancer is a national, nonprofit organization that provides free education on the legal and practical issues that may impact individuals diagnosed with cancer and their caregivers, through events, materials, and resources. For more information about Triage Cancer and on the topics discussed in this tool, visit TriageCancer.org.

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EQUITAS Life Sciences was founded on the values of kindness, empowerment, and fearlessness, with the mission of positively impacting global healthcare to improve patient outcomes by engaging with a diversity of people across the world with curiosity, empathy, and genuineness.

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Disclaimer: The information on this site is intended for U.S. residents only and is provided purely for educational purposes. Health, legal, regulatory, insurance, or financial related-information provided here is not comprehensive and is not intended to provide individual guidance or replace discussions with a healthcare provider, attorney, or other experts. All decisions must be made with your advisers considering your unique situation. © Triage Cancer & Pfizer Inc. 2023  

Copyright © 2023 Pfizer Inc.
All rights reserved.
Copyright © 2023 Triage Cancer.
All rights reserved.
remove.svgremove.svg-mobileThe Inflation Reduction Act is a law that aims to lower prescription drug costs.

This law has already impacted Medicare in multiple ways, and more changes are coming in the next few years:

Changes in 2023
  • $35 copay cap on covered insulins (this applies whether the insulin is covered through Medicare Part B, C, or D)
  • $0 patient copay on covered vaccines
Changes in 2024
  • Elimination of 5% patient coinsurance after reaching the catastrophic coverage threshold. This effectively caps out-of-pocket costs at approximately $3,300 (for Part D enrollees who take only brand name drugs)​
  • Expansion of the Low-Income Subsidy program (LIS) under Medicare Part D, which could help reduce out-of-pocket costs for an estimated 400,000 individuals
Changes in 2025
  • $2,000 yearly cap on out-of-pocket prescription drug costs​
  • Medicare Prescription Payment Plan. This allows Medicare Part D out-of-pocket prescription costs to be paid in monthly payments over the course of the year, instead of all at once
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