For better or worse, health insurance has been in the news a lot lately, so we are continuing our series to help you understand different terms that may come up. Today's topic is Essential Health Benefits. When it comes to Health Insurance, it is nice to know what you are getting. It’s important to compare options and plans and networks, and by regulating essential benefits we can ensure that the plans that are offered will have some points of similarity. When you buy a new c

For better or worse, health insurance has been in the news a lot lately, so we are continuing our series to help you understand different terms that may come up. Today we are discussing Deductibles. Your deductible is the amount you pay out of your pocket before the insurance plan begins to pay for care. Have you ever had one of those years where you met your deductible before you could even blink? A number of years ago our family planned to go to a movie on January 1. Inst

For better or worse, health insurance has been in the news a lot lately, so we are continuing our series to help you understand different terms that may come up. Today we are discussing copays. Copays relate to the amount you will pay for care, such as when you see a doctor, fill a prescription, or have a medical procedure. Copays are similar to coinsurance, but we’ll save that for another day. Copays are generally a flat dollar amount that you pay for care. You may have d

We continue our series, the A B C's of Health Insurance, with B. B is for Brand Name Drugs Drugs are one of the most costly expenses when it comes to health care. If you are like my household, you may have one or more family members who have multiple brand name drug prescriptions that must be filled every month. That can add up quickly! Here are some things to think about when you are shopping for health insurance and considering how your prescriptions will be impacted. Doe