Pillar
How Insurance Works
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How health insurance actually works
Health insurance is a deal between you and an insurance company. You pay them on a regular schedule, and in return they…
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Plan types explained: HMO vs PPO vs EPO vs HDHP
When you shop for coverage, plans come in a few standard “shapes.” The letters describe how the plan handles networks, referrals, and…
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HSAs and FSAs in plain English
Both an HSA and an FSA let you set aside money before taxes to pay for medical costs — which means you…
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What “in-network” really means
A network is the list of doctors, hospitals, labs, and other providers your insurance company has signed a contract with. In-network providers…
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How a claim is processed
A claim is the bill your provider sends to your insurance company asking to be paid for the care you received. Understanding…
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Denials and appeals: an overview
A denial is when your insurer refuses to pay for a service, in whole or in part. A denial is not the…
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How to Read Your EOB (Explanation of Benefits)
That confusing “THIS IS NOT A BILL” form your insurer mails after a visit is actually one of the most useful documents…
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How Your Deductible Actually Works
Deductibles, copays, coinsurance, out-of-pocket maximums — they sound alike but mean different things. Here’s how the money really flows in a typical…
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How your deductible works (in plain English)
If you have health insurance, you have probably seen the word deductible. It is one of the most important numbers on your…
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