Special Enrollment Periods (The QLE Window) What is a Special Enrollment Period (SEP)? An SEP is a time outside the […]

COBRA Insurance Explained (The Expensive Continuation) What is COBRA Insurance? (Consolidated Omnibus Budget Reconciliation Act) COBRA is a federal law

Qualifying Life Events (QLEs – Life Changes & Insurance Changes) What is a Qualifying Life Event (QLE)? A QLE is

Open Enrollment (The Tiny Annual Window) What is Open Enrollment Period for Health Insurance? Open Enrollment is the specific time

Prescription Drug Coverage (Tiers, Formularies, & Demons) Understanding Prescription Drug Tiers Health insurance plans group prescription drugs into “tiers” to

Out-of-Pocket Maximums (The Supposed Safety Net) What is an Out-of-Pocket Maximum (OOPM)? This is the absolute most money you will

Copays & Coinsurance Explained (The Never-Ending Payments?) What is a Copay? (The Fixed Fee You Still Owe) A copay (or

Decoding Deductibles (The First Hurdle) What is a Health Insurance Deductible? (The Real-World Version) The deductible is the amount of

Understanding Premiums (The Monthly “Subscription”) What is a Health Insurance Premium? (Beyond the Definition) Think of the premium as your

Dental & Vision Insurance (The “Not Part of Your Body” Problem) Why Are Teeth and Eyes Separate from Health Insurance?