Healthcare You Can Actually Afford to Use

Catastrophic plans offer lower premiums with very high deductibles for people under 30 and those who qualify for exceptions.

You can save on your health insurance by staying in-network, using tier 1 providers, understanding when to go to an urgent care over the emergency room, and utilizing telehealth services.

An insurance plan acquired through the Health Insurance Marketplace is an on-exchange plan, while a plan purchased directly through an insurer and broker is an off-exchange plan.

There are three main things you must consider when choosing the right health plan: the type of plan, the plan’s network, and its costs and benefits.

Dental insurance protects you from unexpected emergencies and high medical costs while promoting better oral hygiene by covering preventive care.

Telehealth is a great way to receive convenient, private, comfortable, and accessible mental health services.

A high-deductible health plan or HDHP has a higher deductible and lower monthly premium than typical insurance plans.

There are three key elements to understanding how a health insurance plan works: enrollment, benefits, and costs.

Supplemental insurance is a policy you can purchase in addition to your current major medical health insurance to expand your coverage.

Telehealth is the delivery of medical care, information, treatment, and monitoring via digital communication technology. It is valuable for anyone, especially for those living in rural communities or suffering from disabilities and chronic conditions.

An ICHRA is a newer type of HRA available to employers of any size. It allows employees to receive reimbursements for medical expenses, like premiums.

These three important elements are related to the overall cost of a plan and impact your yearly cost.

Open Enrollment is the yearly window where individuals and families can sign up or change their health insurance. Special Enrollment is if you recently experienced a major life event and have the ability to enroll or change your plan.

Some healthcare providers are “in-network” while others are “out-of-network.” Knowing the difference can help you save money.

Health Saving Account (HSA), Health Reimbursement Arrangement (HRA), and Flexible Spending Account (FSA) are tax-advantaged ways you can pay for healthcare expenses.