Understanding Health Care

If you have family, you need health care. It may seem overwhelming, but we can make understanding healthcare easier. 

Thanks to United Healthcare for helping through my own health care needs for almost 10 years. And now for partnering with mamachallenge to make it not-so-challenging for you. 

I gal that rarely ever got sick growing up, I didn’t quite understand the need for health insurance – until I was an adult WITH kids. I mean it’s there *just in case* you get sick or break an arm. 

…Until of course one of those happen or even worse, you’re pregnant and find out you have all kinds of complications and your child may not make it without a big medical team and a lot of prayers. 

Then you know EXACTLY why you have health care. And so thankful for it too. 

Over the years many of us have been confused with that health care is, how it works, and how to make the best of it without all the complicated explanations. 

Like everything, I prefer the Cliff Notes version and then if I need to know more, I can dig in. But insurance can seem so overwhelming that you don’t always know what you’re doing or why, except pull out your card when they ask for it. 

So UnitedHealthcare is trying to break it down in less words and in a little more fun way to learn by throwing in three chances to win $500 while giving you the 411. 

First, the Lingo. 

Oh the terms and the acronyms. That alone is enough to make you go WTH. However, it’s not as hard as you think it is.

PPO. HSA. CBO.

You’ve probably heard them, but you don’t always know what you’re saying? Me too.

For instance: 

PPO is short for PREFERRED PROVIDER ORGANIZATION. 

HSA is short for HEALTH SAVINGS ACCOUNT (love these.) 

But do you know the difference between prior authorization and coinsurance? 

But UnitedHealthcare takes all the guessing out of it by being just plain clear. Giving you the power to not just pick the right insurance for you but to be smart about spending your dollars where they make sense for your family. 

And once you do your homework, quiz yourself with this quick Perfect Match quiz to make sure you really know what you’re talking about. (Plus there’s $100 weekly and $500 monthly you can win.)

Second, How Does it All Work? 

Want to make sure you don’t just know the lingo, but how it works? When doctors and insurance providers talk about referrals and networks, we know they aren’t talking about Facebook or a book club.  I’m a visual person so I need a picture to put it all together. As a mom, many times we’re scheduling the doctor visits and therefore paying for them. But wouldn’t it be nice to know what all we’re paying for? This quick video gives it to you clean and simple. 

 

Answer one question in the Look & Learn after you watch this video and you could win up to $500. 

Third, Tools and Tips

Want to see if you’ve put it together the right way? Or still need to see what other tools are available to help you figure it all out? Then UHC can help you with tons of calculators, estimators, an app and if you prefer, real life people who can help you figure it out. When I have a question I call them. Or you can click around in your own portal and find most the answers your need already right in front of you. From calculating all the cost for an upcoming procedure or simply just comparing the costs, this is where you go to make it easy for you. 

PLUS when you answer these three questions in the Cost Quiz 123, you can win $500! 

Feel like you’ve already taken a class in health care?  Then you should be rewarded. One lucky reader will win a gift card for $50 from Amazon. At least this way you can be motivated to learn more when you have a new planner or one of these cool new finds. I personally am looking this one.

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