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

HMO, PPO, POS oh my?!?

Understanding the various terms used in insurance policies is important too. Visit 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.