Q.  What is a reasonable and customary charge and how does that charge affect me as a consumer?

Q.  I'm young and healthy. Why do I need health insurance?

Q.  What is a deductible?

Q.  What does "co-payment" and "coinsurance" mean?

Q.  What are "exclusions" and "pre-existing conditions," and will my insurance policy cover them?

Q.  What if i disagree with how my claim was paid and would like to appeal?