When selecting health insurance, two common options are HMO and HDHP plans. But what exactly is the difference between a Kaiser HMO and HDHP? Below we’ll explore how these plans compare on costs, provider choice, and other factors. HMO Overview HMO stands for “Health Maintenance Organization”. Kaiser Permanente is well-known for its HMO plans. Here … Read more
When choosing a health insurance plan, two common options to consider are HMO (Health Maintenance Organization) and OAP (Open Access Plan). But what is the difference between an HMO and OAP, and which offers better coverage? Below we will compare HMO vs OAP plans on network size, flexibility, costs, and other key factors to help … Read more
Health insurance can be confusing, especially when you start looking at all the different plan types like HMOs and PPOs. Florida Blue offers both HMO and PPO plans to meet the diverse needs of Floridians. But what exactly is the difference between an HMO and a PPO plan from Florida Blue? In this comprehensive guide, … Read more
The short answer is no, Optum is not part of Humana. However, the two companies do have an important strategic partnership. In this article, we’ll take a deep dive into the relationship between Humana and Optum and how they are working together to shape the future of healthcare. Understanding Humana and Optum First, let’s provide … Read more
Understanding health insurance terminology can be confusing, especially when it comes to concepts like deductibles, copayments, and coinsurance. One term you may come across is “30% coinsurance after deductible.” What exactly does this mean and how does it impact your healthcare costs? In this comprehensive guide, we’ll explain what 30% coinsurance after deductible means, walk … Read more
If you’re shopping for car insurance, you may come across Safeco’s enhanced protection level. But what exactly does Safeco’s enhanced auto insurance cover and what makes it different from other options? In this comprehensive guide, we’ll explain what Safeco enhanced protection includes, key benefits and coverage add-ons, who it’s best suited for, and how it … Read more
If you work in healthcare, you’ve probably come across the names PHCS and MultiPlan when researching provider networks. But what exactly is the relationship between PHCS and MultiPlan? Are they the same thing or completely separate networks? In this comprehensive guide, we’ll explain what PHCS and MultiPlan are, their key differences, and how they fit … Read more
If you’ve shopped for insurance or managed insurance policies, you may have come across the terms “insurance company” and “insurance carrier” used in various contexts. Sometimes they are used interchangeably, while in other cases people distinguish between them. So what exactly is the difference between an insurance company and an insurance carrier? Below is an … Read more
UnitedHealthcare and Medica are two major health insurance providers in the United States, but they have some key differences in their business models and operations. While there is some overlap and partnership between the companies, they remain distinctly separate entities. An Overview of UnitedHealthcare UnitedHealthcare is one of the largest health insurers in the U.S. … Read more
Health Savings Accounts (HSAs) are a popular way to save money for healthcare expenses tax-free. HSAs are typically paired with high-deductible health plans (HDHPs) that have lower premiums but higher deductibles. A key question that often comes up is whether you can keep contributing to an HSA if you lose your HDHP coverage. The short … Read more