Navigating the world of insurance and health saving programs is tricky. The following link helps further explain the options in the chart.

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Navigating Medical Expenses and Tax Deductions

HMO, PPO, POS oh my?!?

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Understanding the various terms used in insurance policies is important too. Visit healthcare.gov to help better understand terms used in your policy. Here are a few terms you may have already come across.

Approval from a health plan that may be required before you get a service or fill a prescription in order for the service or prescription to be covered by your plan.

A request for your health insurance company or the Health Insurance Marketplace® to review a decision that denies a benefit or payment.

  • If you don’t agree with a decision made by the Marketplace, you may be able to file an appeal. Small businesses can also appeal Small Business Health Options Program (SHOP) decisions.
  • If your health plan refuses to pay a claim or ends your coverage, you have the right to appeal the decision and have it reviewed by a third party.

Equipment and supplies ordered by a health care provider for everyday or extended use. Coverage for DME may include: oxygen equipment, wheelchairs, crutches or blood testing strips for diabetics.

Preview plans and prices based on your income. Check out a plan’s Summary of Benefits to get a quick idea of what DME supplies are covered, if any. You can find a link to the Summary of Benefits by clicking “Details” for a plan.