Épisodes

  • Is Mental Health Therapy Covered by Insurance? Understanding Mental Health Benefits

    Is Mental Health Therapy Covered by Insurance? Understanding Mental Health Benefits
    Nov 11 2025
    Your mental health matters - and knowing your benefits is the first step toward getting the right care and support. In this episode of Under the Coverage, we break down common mental health benefits, including therapy coverage, Employee Assistance Programs (EAPs), and what to expect when accessing care through your workplace. We also share resources for immediate support: -Visit 988lifeline.org or call/text 988 to connect with the Suicide and Crisis Lifeline. -Explore tools and links at samhsa.gov or call 1-800-622-HELP (4357). -Learn more at mhanational.org from Mental Health America. -Contact the National Alliance on Mental Illness (NAMI) at 1-800-950-NAMI (6264) or visit nami.org/help
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    8 min
  • I Went in For a Free Screening, Why Did I Get a Bill?

    I Went in For a Free Screening, Why Did I Get a Bill?
    Nov 4 2025
    Isn’t preventive care supposed to be free? Then why did you get a bill after your screening? In this episode, we explain the difference between preventive and diagnostic care, and why asking one extra question at your checkup might change what ends up on your bill. Learn what to ask your provider so you’re not caught off guard.
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    5 min
  • Understanding Medical Bills & EOBs (Explanation of Benefits)

    Understanding Medical Bills & EOBs (Explanation of Benefits)
    Oct 28 2025
    Ever get a bill in the mail and wonder if it’s actually a bill? Enter the Explanation of Benefits (EOB). In this episode, we'll review what an EOB is and what it tells you about your care and costs. You’ll also learn what steps to take if something doesn’t look right.
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    7 min
  • Deductibles, Copays & Coinsurance - Health Insurance Terms You Should Know

    Deductibles, Copays & Coinsurance - Health Insurance Terms You Should Know
    Sep 16 2025
    Still confused by the difference between a deductible, copay, and coinsurance? You’re not alone. In this episode, we break down the health insurance terms that show up on nearly every benefit plan. We’re here to help you figure out what you’re spending where so you can make the best decision for you and your wallet. If you’re looking for even more information, check out our previous episode: https://youtu.be/47bJ6iU97jI?feature=shared
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    13 min
  • What’s the Difference Between an HSA and an FSA?

    What’s the Difference Between an HSA and an FSA?
    Sep 16 2025
    Wondering how to use an HSA or FSA—or decide which one is better? In this episode, we break down the rules, tax savings, and pros and cons of each so you can take advantage of these powerful benefits.
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    11 min
  • It’s Open Enrollment: Which Health Plan Should I Pick?

    It’s Open Enrollment: Which Health Plan Should I Pick?
    Sep 16 2025
    Trying to figure out which health plan is best for you? In this episode, we break down the key differences between copay-based plans and high-deductible health plans (HDHPs), and explain how provider networks can impact your choices. Whether you’re comparing premiums, thinking about out-of-pocket costs, or wondering which plan fits your lifestyle, we’ll give you the tools to make a smarter, more confident decision this enrollment season.
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    15 min
  • How and When to Make Changes to Your Benefits

    How and When to Make Changes to Your Benefits
    Sep 16 2025
    It’s that time of year again, open enrollment season! If you (or your spouse) are the subscriber for your health insurance, chances are you’ll be hearing from your HR team soon with reminders to review your benefits. But did you know there are also certain life events, like getting married, having a baby, or changing jobs, that let you make changes to your coverage outside of the open enrollment window? In this episode, we break down the basics of choosing and updating your benefits, so you feel confident about your options when it matters most. Want more? Check out our earlier conversation with Carey about what happens when you age off your parent’s health plan: https://www.youtube.com/watch?v=T3xP8x5zjBw&list=PL78gefbzNivQBmnlgBkdyo_mL9KP3nz6G&index=38.
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    8 min
  • The Price of Panic: What you need to know about ER Expenses

    The Price of Panic: What you need to know about ER Expenses
    Nov 13 2024
    🚑 Ever wondered why a quick trip to the ER or a ride in an ambulance can lead to a shocking bill in your mailbox? In this episode, we break down everything you need to know about emergency services and the costs that come with them. From understanding when to dial 911, to the hidden fees that could catch you off guard, we’ve got you covered. We’ll also dive into the No Surprises Act—what it protects you from, and where it falls short—especially when it comes to those pricey ambulance rides. Whether you're trying to avoid financial surprises in an emergency or just want to be better prepared, this episode is a must-listen. Tune in and take control of your health care costs before the unexpected happens! 🔑 Episode Highlights: - When to Use Emergency Services: Clear guidance on when to head to the ER vs. seeking care elsewhere. - Breaking Down Costs: A look at the fees you can incur - The No Surprises Act: What it covers, what it doesn’t, and how it impacts your emergency bills. - Avoiding Financial Shocks: Tips on how to protect yourself from unexpected charges in an emergency. - Advocating for Yourself: Practical advice on negotiating bills and ensuring you’re only paying for what you need. - Join us for a crash course in understanding emergency care costs—before you're faced with the bill! 🚑💡 Subscribe now and never miss an episode of health benefits know-how!
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    24 min
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