Support for Your Health, at Every Step
This Health & Resources hub brings together trusted articles, podcasts, and tools created to support our members’ healthcare decisions at every stage. Designed with our members in mind, a dedicated healthcare taskbar below the main header menu makes it easy to explore key topics throughout this page. Browse featured articles by category, discover healthcare-related podcast episodes, and explore the latest post section featuring webinars, videos, Medicare resources, and more. For quick access, use the healthcare menu above, and please visit the FAQ at the bottom of the page for answers to common questions—including a helpful glossary of healthcare terms.
Should I appeal a Medicare Advantage prior authorization denial?
The answer is often YES, because only 12% of prior authorization denials were appealed, but over 81% of those denials were overturned or partially overturned on appeal!
Medical Deductible – What is it, what amount is it?
A medical deductible is the amount of money a person has to pay out-of-pocket for covered healthcare services before their insurance company starts paying. Once the deductible is met, the insurance typically begins covering a portion of the remaining costs, often in the form of coinsurance or copays.
Prescription Drug Deductible – what it is, what amount is it?
A prescription drug deductible is the amount of money you’re required to pay out-of-pocket for your covered prescription drugs before your health insurance plan starts to cover any portion of the cost. Until you reach your deductible, you’re responsible for the full cost of your prescriptions.
Co-pay and Co-Insurance – what is the difference?
The main difference between a copay and coinsurance is how the cost is shared with your health insurance plan. A co-pay is a fixed amount you pay for a specific service, while co-insurance is a percentage of the total cost for a service, paid after you’ve met your deductible.
What are some decisions I should consider during Open Enrollment?
Even if you are happy with your plan, it is very important to check every year during your open enrollment period to see if your doctors, your pharmacy, and your prescribed drugs are covered for the following year. Insurance companies add and drop providers, pharmacies and drugs on a regular basis!
What do all of these health terms mean?
Check our Glossary of terms – a list of commonly used healthcare-related terms composed and maintained by the Healthcare Workgroup.