Category

Health insurance

Health insurance is confusing because the plan name tells you almost nothing. The real costs show up in the fine print, deductibles, networks, and out of pocket limits.
This section explains copays, coinsurance, out of pocket maximums, referrals, prior authorizations, and how to compare plans using your actual needs like prescriptions and specialist visits.
We also cover HSAs and FSAs, how to read an EOB, what to do when a claim is denied, and how to reduce costs without skipping care. The goal is fewer surprise bills and coverage that fits your real life.