Company Wellness Plans Benefit Health, But They Can’t Be Mandatory 

Workplace programs to reduce health risks must be voluntary.

Making Sense of the Healthcare Insurance Marketplace 

Alaska and rural Southern states will see fewer choices.

HEALTH INSURANCE

What Is a PPO Health Insurance Plan? 

The most popular type of health insurance.

HEALTH INSURANCE

What Is an HMO Insurance Plan? 

Keeping your costs down … with caveats.

HEALTH INSURANCE

What Is a POS Health Insurance Plan? 

A form of managed care with flexibility.

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What Is an EPO Health Insurance Plan? 

A health plan that keeps your costs down … with caveats.

HEALTH INSURANCE

What Is In-Network Care? 

When your doctor has a contract with your health plan.

HEALTH INSURANCE

What Is Out-of-Network Care? 

Your costs can add up quickly if your doctor doesn’t have a contract with health plan.

HEALTH INSURANCE

Is High-Deductible Health Insurance Right for You? 

High out-of-pocket costs may force some people to put off care.

HEALTH INSURANCE

What Is an Accountable Care Organization? 

These groups of healthcare providers form networks, hoping to provide better care at a lower price.

HEALTH INSURANCE

What Is a Health Savings Account? 

Save money for your healthcare expenses.

HEALTH INSURANCE

What Is a Flexible Spending Account? 

Save money for your medical expenses.

HEALTH INSURANCE

What Is a Copayment? 

Your share of the cost of seeing your doctor.

HEALTH INSURANCE

What Is Coinsurance? 

Your share of a health service covered by your insurance.

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What Is a Deductible? 

How much you pay before your insurance kicks in.

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What Is a Family Deductible? 

How much your family pays before your insurance kicks in.

HEALTH INSURANCE

Stealthy Health Plan Changes Could Cost You More  

Preferred provided plans aren’t what they used to be, especially if you go out-of-network.

HEALTH INSURANCE

What Is an Explanation of Benefits? 

This statement explains what your health insurance will cover.

HEALTH INSURANCE

What Is an Out-of-Pocket Maximum? 

These limits help you control your healthcare spending.

HEALTH INSURANCE

What Are Non-Essential Benefits? 

Many plans just don’t cover the cost of chiropractic, acupuncture, and hearing aids.

HEALTH INSURANCE

What Is Balance Billing? 

You need to be on the lookout for these surprise healthcare expenses.

HEALTH INSURANCE

What Is COBRA? 

This program helps you keep your health insurance if you lose your job.

HEALTH INSURANCE

When Your Doctor Leaves Your Health Plan  

Understand the network if you need to switch and ask for a referral.

HEALTH INSURANCE

What Is Employee Assistance?  

This service is designed to help you through tough times that may be affecting your job performance.