Health Insurance Archives

Benefits 101: What Is an HDHP? | CA Employee Benefits Team

July 1, 2024

In today’s world of complex health insurance options, High Deductible Health Plans (HDHPs) have become increasingly popular. But with a name like “high deductible,” it’s natural to have questions. Let’s break down the basics of HDHPs: What is an HDHP? An HDHP is a health insurance plan with a higher deductible than traditional plans. This … Continued

Health Insurance Basics | CA Employee Benefits Advisors

April 1, 2024

By Myron Jucha & Sara Howland

Does a Health Plan Typically Pay for Services from Any Doctor? Not always. Some types of plans encourage or require consumers to get care from a specific set of doctors, hospitals, pharmacies, and other medical service providers who have entered into contracts with the plan to provide items and services at a negotiated rate. The … Continued

Health Insurance Basics: Part 3 | San Diego Benefits Consultants

March 27, 2024

By Myron Jucha & Sara Howland

Insurance Costs Consumers typically pay the following types of costs when they have insurance. Premium: The premium is an amount of money a consumer pays for a health insurance plan. The consumer and/or their employer usually make this payment bi-weekly, monthly, quarterly, or yearly. The premium must be paid regardless of how many services, if … Continued

Health Insurance Basics: Part 1 | California Employee Benefits

February 1, 2024

By Myron Jucha & Sara Howland

What is Health Insurance and Why is it Important? Health insurance is a legal entitlement to payment or reimbursement for your health care costs, generally under a contract with a health insurance company. Health insurance provides important financial protection in case you have an accident or sickness. For example, health insurance may help to pay … Continued

Using a Flexible Spending Account (FSA) | San Diego Benefits Consultants

December 1, 2023

By Myron Jucha & Sara Howland

If you have a health plan through a job, you can use a Flexible Spending Account (FSA) to pay for health care costs, like deductibles, copayments, coinsurance, and some drugs. They can lower your taxes. How Flexible Spending Accounts work A Flexible Spending Account (FSA, also called a “flexible spending arrangement”) is a special account … Continued

Benefits 101: Premiums, Deductibles, Copays, and Out-of-Pocket Maximums | California Benefits Group

October 20, 2023

By Myron Jucha & Sara Howland

Not understanding benefits terminology is near the top of the list of ways that open enrollment and benefits selection can stress you out. Open enrollment is coming quickly and soon you will be talking about benefit options. The world of benefits and insurance can be confusing. In-network, out-of-network, deductibles, co-pays and co-insurance? What? Let us … Continued

Healthcare 101: Back to Basics | San Diego Benefits Consultants

February 8, 2023

By Myron Jucha & Sara Howland

Getting sick can be expensive. Even minor illnesses and injuries can be very costly to diagnose and treat. Health care coverage helps you get the care you need and protects you and your family financially if you get sick or injured. We’re breaking down the health insurance basics. Because, when you understand it, you’re more … Continued

How to Make the Most Out of Open Enrollment | CA Benefits Agents

October 3, 2022

By Myron Jucha & Sara Howland

Choosing the right benefits during open-enrollment season is so important and can help save money. It can also give individuals and families broader support with their health. Benefits like medical coverage are particularly important with high inflation having such a big impact on people’s budgets. A survey by UnitedHealthcare found that nearly 40% of employees … Continued

Benefits 101: What Is an HDHP? | CA Employee Benefits Team

Health Insurance Basics | CA Employee Benefits Advisors

Health Insurance Basics: Part 3 | San Diego Benefits Consultants

Health Insurance Basics: Part 1 | California Employee Benefits

Using a Flexible Spending Account (FSA) | San Diego Benefits Consultants

Benefits 101: Premiums, Deductibles, Copays, and Out-of-Pocket Maximums | California Benefits Group

Healthcare 101: Back to Basics | San Diego Benefits Consultants

How to Make the Most Out of Open Enrollment | CA Benefits Agents

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