by Mike Keretz | Nov 28, 2025 | Uncategorized
Let's cut through the jargon. You can think of a Pharmacy Benefit Manager (PBM) as a powerful, behind-the-scenes middleman for your prescription drug plan. They're the ones hired by your insurance company or employer to manage everything related to your...
by Mike Keretz | Nov 27, 2025 | Uncategorized
Your health insurance premium is the non-negotiable, fixed amount you pay every month to keep your health plan active. Think of it like your Netflix or gym subscription—you pay it whether you use the service or not. This payment is your key to unlocking healthcare...
by Mike Keretz | Nov 26, 2025 | Uncategorized
Think of your health insurance deductible as the amount you have to pay for your medical care before your insurance company starts chipping in. It’s your share of the deal, the initial hurdle you clear each year. Once you’ve paid that specific amount out-of-pocket for...
by Mike Keretz | Nov 25, 2025 | Uncategorized
So, you have a Health Savings Account (HSA) and you're wondering what you can actually spend that money on. The short answer? A lot more than you probably think. Your HSA is a dedicated, tax-free fund for a huge range of qualified medical expenses. This covers...
by Mike Keretz | Nov 24, 2025 | Uncategorized
When you hear the acronyms HDHP and CDHP thrown around, it's easy to think they're the same thing. Many employers even use the terms interchangeably, which only adds to the confusion. But there's a key difference, and understanding it is the first step to...
by Mike Keretz | Nov 23, 2025 | Uncategorized
A self-funded insurance plan is a bit of a game-changer. Instead of paying a fixed premium to an insurance carrier every month, your company takes on the direct financial risk for your employees' healthcare. You set aside your own funds to pay for medical claims...
