The Normal Person’s Guide to Coinsurance

Okay, we’re going to interrupt Mary and Billy’s journey to the Maximum Out of Pocket for a brief side trip through coinsurance and copays. Don’t worry – we’ll get there! A coinsurance is simply a set percentage of the allowable that you pay. All done – we now rejoin… wait, you didn’t get that?  …

But I Just Have A Quick Question: Calling the Call Center Anonymously

There are times when you just don’t want or need to verify your account – and other times where failing to verify your account will just complicate things. Know which is which before you dial! Basic questions can be safely asked anonymously. Things like ‘what is you website address?’, ‘what does Cost Share Reduction mean?’…

Surviving Your Special Enrollment Period

You just moved to a new state. Your wife just had a baby. Your employer just decided not to offer health insurance. You just got a new job without health insurance and no longer qualify for Medicaid. Your employer sponsored premium just shot through the roof and is on its way to the stratosphere. What…

Nobody Asked You, Arthur!

Today we have a case study in why it’s a very good idea to have health insurance – especially if your bank account isn’t familiar with positive territory. In between jobs, watching the cash flow (mostly out) – holding off on buying new shoes is a sensible decision, right? Well, I thought it was. The…