What are Deductible, Co-Pay, and Co-Insurance

What are Deductible CoPay and CoInsurance

What are Deductible, Co-Pay, and Co-Insurance: What Do These Health Insurance Costs Actually Mean?

If you’re shopping for a health insurance policy or trying to actually use your policy to get medical care, the cost is likely a primary concern. You need to know not just what the premiums for your policy cost, but also what you’ll actually have to pay out-of-pocket if you want to use healthcare services. Reading the policy language is key to understanding what costs you can expect to incur — but you need to understand exactly what all of the different terms mean that are used to describe the payments you could end up owing.

In particular, there are three key costs you need to understand: deductible, co-pay, and co-insurance.  Here’s what each of these terms could mean to you, as far as the out-of-pocket expenditures that you’ll incur.

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Medicare Preventative Care 101

Medicare Preventative Care

Preventive health care is essential for improving the nation’s health, economy, and quality of life. Many of America’s most common health complaints, including diabetes, hypertension, heart disease, and some types of cancers, may be preventable. Through early intervention, other conditions may be kept from progressing.  When Americans receive preventive health care to improve their health, they are usually more productive and take less time off work. As they age, Americans who’ve received preventive health care are more likely to live independently in their homes.

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As Housing Costs Increase, Some Relief is Available

Housing Costs

For Immediate Release  
For More Information
Eileen Doherty, MS
Executive Director
303-333-3482 or 720-789-4638

As Housing Costs Increase, Some Relief is Available

DENVER, CO.   Housing costs in Colorado both for owners, as well as those who rent continue to soar.  Homeowners who may realize that downsizing may be important. However, the cost of a new, but smaller home may not be affordable.  Homes that are paid for or ones that have a low mortgage payment often cost less than a new mortgage or renting a smaller apartment or townhome.

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10 Tips for Choosing a Primary Care Doctor

10 Tips for Choosing a Primary Care Doctor

Who knows you best? Your spouse? Son or daughter? Best friend? If your primary care doctor doesn’t make the list, you could be missing out on one of the most important relationships when it comes to your health and well-being.

Your primary care doctor may be more than just a doctor. Over time, he or she may learn the nuances of your medical history, your response to medications, your personality, your lifestyle and your treatment preferences.

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Medicare Part D Prescription Plans: Avoid costly mistakes

Medicare Part D Prescription Plans costly mistakes

Every year people waste thousands of dollars because they picked the wrong Part D Prescription Plan.  The reason?  They didn’t understand the plan they signed up for.  Most people pick a plan based on the monthly premiums or a friend’s recommendation…which is a big mistake.

When looking a Medicare prescription plans it’s critical to understand the different tiers of the plan and which tier your medications are in.  To learn what is covered in the plan’s formulary.

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