A baby's delivery may not be covered for women insured as dependents on their parents' plans, even though office visits and prenatal care would be. Although the health care overhaul mostly improves coverage for young adults, it also leaves some odd holes in coverage.

If they want to, veterans can buy insurance coverage on the new state-based marketplaces to supplement their coverage from the Veterans Health Administration system.

Save yourself some hassles by checking with your doctor before the test to make sure the office will bill the insurer for the procedure as preventive screening rather than a diagnostic test.

Even if the Supreme Court strikes down a law barring the federal government from recognizing same-sex marriages, the tangle over health benefits could remain a problem for couples in some states.

In order to get the tax advantages of a health savings account, the health plan it's linked to has to meet several certain criteria. Consumers with a health savings account may also be on the hook for the entire cost of medical care, except preventive care.

Surveys show that an increasing number of employers are providing employees with financial incentives to stay healthy. Many employers now contribute to employee health savings accounts, but only if employees make sure to take care of their health.

Getting quality time with your doctor might be easier in a group. With primary care doctors in short supply, some are turning to group appointments. Proponents say the approach has advantages, including the chance to learn from fellow patients.

A in the journal Health Affairs found that patients feel little personal responsibility for keeping health costs lower. They were also unlikely to accept a less expensive treatment option, even if it was nearly as effective as a more expensive choice.

Rates for female applicants could be up to 40 percent higher under the new pricing policy from Genworth Financial, the country's largest long-term care insurer. The company says women account for two out of every three dollars spent on claims.

Medical groups, such as the American Medical Association recommend coverage of services for transgender people. Some companies have moved ahead with benefits, but others have held back. One of their big worries is cost.

A survey finds 42 percent of hospitals offer at least one type of complementary or alternative medicine treatment. Those hospitals that offer the options cite patient demand as the top reason. Clinical effectiveness is the No. 2 reason.