Health Insurance

Understand coverage types, compare providers, and get answers to common questions about benefits and costs.

Coverage Options

HMO

Primary‑care‑centered plans with in‑network providers and coordinated care pathways.

PPO

Flexible access with out‑of‑network options and broader provider choice.

High‑Deductible

Lower premiums paired with HSAs for tax‑advantaged savings on medical costs.

Provider Comparisons

What to Evaluate
  • Network size and specialist access
  • Telehealth availability and convenience
  • Prescription coverage and formularies
  • Copays, deductibles, and out‑of‑pocket maximums
Cost & Value

Weigh monthly premiums against expected medical use to choose the most cost‑effective plan for your needs.

FAQs

Copays are fixed fees for services; deductibles are amounts you pay before insurance coverage begins.

Changes are typically limited to open enrollment or qualifying life events. Check your plan’s rules.

Approval from your insurer required before certain services or medications are covered.

Plan Glossary

Deductible

Amount you pay before your plan begins covering costs.

Copay

Fixed fee due at the time of service (e.g., office visit).

Coinsurance

Percentage of costs you pay after meeting your deductible.

Enrollment Steps

Step‑by‑Step
  1. Assess medical needs and budget
  2. Check provider networks and coverage
  3. Compare plans and total annual costs
  4. Gather documents and apply during open enrollment
Tips
  • Verify prescription coverage and formularies
  • Review out‑of‑pocket maximums
  • Consider telehealth and chronic care programs
  • Confirm preauthorization rules

More FAQs

The most you’ll pay in a year for covered services. After reaching it, your plan pays 100% of covered costs.

HSAs let you save pre‑tax money for qualified medical expenses when paired with eligible high‑deductible plans.