Category: Health Insurance
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PPO vs HDHP: Which is better for pregnancy? (2022)
This post is about having a HDHP or PPO while pregnant, and what to expect!
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MNsure open enrollment in 2021: When can I sign up?
MNsure has specific periods for when you can enroll in health insurance called “open enrollment”. Let’s review some features of MNsure, then look at how and when you can apply during the open enrollment period. What is MNsure? MNsure is a health insurance marketplace for individuals and families that live in Minnesota. It allows for…
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BCBS HDHP in 2021: Everything you need to know
Blue Cross and Blue Shield (BCBS) is a health insurer that serves most of our country. They offer many health insurance plans ranging from BCBS HDHP to BCBS PPO. It is important to understand what is offered by these plans. High-deductible health plans (HDHPs) are a rapidly growing health plan available by almost every insurer.…
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DHMO vs PPO: Which dental plan is better?
DHMO vs PPO is a question I get often during open enrollment. Basically, nobody wants to think about dental insurance ever. People hate the dentist and they hate paying for dental insurance. But every year around open enrollment, I get the same question: should I get a DHMO or a PPO for dental insurance? Do…
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GoodRx Gold in 2022: Is it worth it?
If you have prescription drugs, chances are that you have heard of GoodRx. GoodRx is a card that provides discounts on some prescription drugs at certain pharmacies. GoodRx Gold is a step-up from GoodRx and can provide great benefits. Pharmacies partner with GoodRx similarly to a coupon program. The pharmacies offer discounted prices if you…
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9 Pregnancy and Baby products you can purchase with your HSA or FSA (2022 Update)
If you are a new mom or dad and have a health savings account (HSA) or flexible savings account (FSA), you can save a lot of money. Many products are approved by the IRS for use on newborn products. You can also spend this money on some of mom’s recovery and even reimburse yourself for…
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Does a copay go towards my deductible?
Does a copay go towards my deductible?
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HSA Contribution Limits in 2022: Key changes you should know
Today we are going to cover contribution limits to an HSA for the year 2022. Each year, the amount that one can contribute to an HSA has incrementally increased. 2022 is no different, as the contribution limit has once again changed. What is an HSA? What is a HDHP? Why contribute to an HSA HSA…
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80/20 Coinsurance: What does it mean?
Coinsurance is a great topic for us to discuss here because it truly is confusing. Every insurance plan has some form of coinsurance, meaning this term will impact your wallet whether you like it or now. 80/20 is one of the most common forms of coinsurance and will apply to most people across the country.…
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What is the difference between deductible and out of pocket max?
One question I get all the time from friends and family is: what’s the difference between deductible vs out of pocket max? The two terms represent similar milestones in your health insurance plan, but are completely different. Let’s explore further. Here are the topics we will review: What is a deductible? What is a high-deductible…