If you're like many Americans, health insurance is not something you give a lot of thought to--until you need it. Understanding what your health insurance policy covers, including the alphabet soup of terms--co-insurance, co-pay, deductibles, etc, can be confusing. Where to start? Take a deep breath. Karen Vogel, Patient Advocators' resident health insurance pro lays out the basics, and offers sage advice on checking your bills, reviewing your benefits, and getting what you paid for.