Health Insurance
Understand your plan, use preventive benefits, and navigate claims with confidence.
Understand your plan, use preventive benefits, and navigate claims with confidence.
Key terms to help you choose and use your plan.
HMO, PPO, and EPO differ in referrals, flexibility, and costs.
Understand deductibles, copays, coinsurance, and annual maximums.
Know when approvals are required and how to avoid delays.
Use covered services to protect health and reduce costs.
Annual wellness visits, vaccines, and screenings are often fully covered.
Disease management programs, remote monitoring, and telehealth support.
Step‑by‑step guidance to resolve issues quickly.
Check EOBs and plan documents.
Contact member services for clarification.
Submit documentation and provider notes.
Track timelines and escalation paths.
We’ll review your benefits and map the best routes to care.
Know the trade‑offs to pick the right fit.
Lower cost, referrals required; care coordinated through a PCP.
More flexibility, higher costs; out‑of‑network options available.
No referrals, limited network; good balance for many.
Use benefits to reduce out‑of‑pocket spending.
Confirm provider network to avoid higher out‑of‑network bills.
Vaccines and many screenings are fully covered—use them.
Insurance basics in plain language.
A statement explaining what your plan paid and what you owe.
For certain tests, procedures, or meds—check your plan first.
Submit documentation and provider notes; track timelines.