America’s Silliest Enrollments

Today, for a change of pace, we’ll talk about some of the funniest things that happen on Customer Service Calls. He’ll Call Back When He’s Older: Amy: Hi, I am having trouble enrolling. Rep. Tom: No problem – oh, wait, I see that you aren’t authorized on the account. Is Billy home? Amy: Sure, he’s…

Two Things to Consider Before Buying Through the Marketplace

First and foremost: Do I Understand This Stuff? Look, no one understands everything. I’ve talked to people with Master’s degrees who just cannot wrap their heads around the difference between ‘copay’ and ‘coinsurance’. It doesn’t mean you aren’t smart – but it may mean you need help making your plan selection. Unless you are certain…

The Ultimate Guide to Maximum Out Of Pocket

It’s on the plan finder and you see it when you enroll – but what does Maximum Out of Pocket mean to your pocket? Short answer, it means exactly what it says. The Maximum Out of Pocket is the maximum amount you will be expected to pay toward your health insurance for the coverage year….

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?  …

The Simple Guide to Deductibles

Okay, today we’re doing math. Stop grumbling – deductibles are math that matters – to your pocketbook! But we will try to keep the math to a minimum. So we’ll start instead with a quick vocabulary lesson: What is a deductible, anyway? Well, let’s see what the Business Dictionary has to say… Deductible: Fixed amount…

Five Things to NEVER Say to Customer Service

We’ve all been there – and we’ve all been tempted to say things we shouldn’t because we are angry or frustrated. But some comments can be a lot more costly than they are worth in time, frustration and even money. Here are five to never make while you’re angry – or at all!

HMO, EPO, PPO – E-I-E-I-O!

What would insurance be without an alphabet soup of jargon? Okay, simpler to understand, sure, but what’s the fun in that? The reality is, the jargon is here to stay. If you want a plan you are actually happy with, you’re gonna have to have a little vocabulary lesson – so sit up straight, stop…