Is My Insurance Cheaper if I’m Healthy?

This video clarifies misconceptions about health insurance pricing under the Affordable Care Act (ACA).

The ACA prevents health insurance rates from being based on personal health or healthcare usage.
Insurance costs can vary by:
1. Coverage Tier: Rates differ based on the level of coverage and the number of dependents included.
2. Age: Some companies use “age-banded” pricing, leading to different rates for individuals of different ages.
3. Plan Design: Choosing between plans with varying degrees of risk and coverage can affect the cost.
Understanding these factors can help individuals make informed decisions about their health insurance options.

Is My Doctor In-Network?

This video explains how to determine if your doctor is in-network for your health insurance plan. It provides three methods to find out:

Watch Now

The Difference Between Inpatient and Outpatient Care?

In this video, Luke explains the fundamental difference between inpatient and outpatient care, primarily based on whether a hospital stay is required:

Watch Now