HAP

Health Insurance Made Simple

Understanding Cost-Sharing

Cost-sharing is the amount you pay for covered services, medications and medical supplies. These expenses are also known as out-of-pocket costs. They include copays, coinsurance and deductibles. Watch this video to learn more about these terms and how they all work together to add up to your out-of-pocket limit.

Terminology: the words you need to know

Health insurance made simple! Before you choose your health plan, you need to understand coverage terminology. This video explains benefits, deductibles, copays, coinsurance, and out-of-pocket maximums in plain language, with important points to consider based on your specific situation. There are also easy-to-follow examples to help you make the right decisions.

The health insurance alphabet decoded

Health plan acronyms can be confusing but HAP makes it simple in this short, easy-to-follow video explaining the basics of an HMO, PPO, EPO, HSA and HRA.

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