What is open enrollment?

Open enrollment is a time period when you can sign up for health insurance or change your health plan. Open enrollment is every November 1st through December 15th. (Usually this is extended each year)

What is a qualifying life event?

When your life situation changes, for example, you get married or divorced, find out your pregnant, there is a death in the family, or you are no longer employed. You will be able to make changes to your health plan if your situation is listed under the qualifying life events.

What is a copayment?

A copayment is a flat fee you pay for health care services or prescription drugs- they can apply before and after you meet your deductible

What is coinsurance?

Coinsurance is part of the medical cost you pay after meeting your deductible.

What is a deductible?

A deductible is the amount of money a policy holder must pay before the insurance company pays its part.

What is managed care?

A type of healthcare that focuses on reducing costs through provider networks, prescription drug tiers, preventive care incentives, primary care providers, and prior authorization.   

What is preventive care?

Preventive care can include physician visits, wellness exams, different types of screenings for cancer, cholesterol, and high blood pressure among others. 

What is a Primary Care Physician (PCP)?

Your main doctor or PCP has the responsibility to deal with all your health issues and preventive care concerns such as screenings and lab work.  They are your go to expert for complex health situations advice and explanations. It is beneficial to have a PCP even if you don’t need to. You will have all your medical history in one place, and it will be easier to access and discuss. It can also be shared with other physicians. Having a PCP is like having your own health control center.

What is telemedicine?

Telemedicine is the practice of medicine using technology to deliver care at a distance. A physician in one location uses a telecommunications infrastructure (via the phone or online) to deliver care to a patient at a different location.