About this site
Fine Print Guide is a free, independent guide to how insurance works in the US. It doesn't sell insurance, take referral fees, or collect your data.
How to use what you read here
Everything here describes typical policies, usually the standard forms most insurers base theirs on. Your own policy can be broader or narrower, and state law changes some rules. So treat an answer here as "what to check", not as a promise of coverage. When it matters, read your policy wording and ask your agent or insurer, ideally in writing.
How the pages are written
- The answer comes first, the details after. You can stop reading once you have what you need.
- What's not covered is always shown next to what is, never hidden in a fold.
- Insurance words are explained where they appear. Tap an underlined word for its meaning.
- "Usually" means: under a common standard policy, before endorsements and state differences.
Sources
Written from standard policy forms and public consumer guides, including the Insurance Information Institute, the NAIC, HealthCare.gov, FloodSmart (NFIP) and state insurance departments. Rules for health coverage change often; check HealthCare.gov for the current year.
Not advice
This site is general information. It isn't legal, tax or insurance advice, and it doesn't replace a licensed agent, broker or attorney.