Client Resources
Knowledge is your best coverage.
Free guides, plain-language definitions, and answers to the questions we hear most — so you can navigate the healthcare system with confidence.
Free Guides
Straight talk on complex topics.
Our guides cut through the jargon and give you clear, actionable information — no insurance background required.
Understanding Your Health Insurance Options
A plain-language breakdown of HMO, PPO, EPO, and HDHP plans — what they mean, how they work, and how to choose the right one for your situation.
Request this guideOpen Enrollment Checklist
Everything you need to review and confirm before your open enrollment window closes — from coverage levels to dependent updates and prescription coverage.
Request this guideSmall Business Benefits Guide
A step-by-step overview of group health plan options for small businesses, including cost-sharing strategies and what employees actually value most.
Request this guideACA Compliance Checklist for Employers
Key Affordable Care Act requirements for employers, including reporting deadlines, coverage mandates, and common compliance pitfalls to avoid.
Request this guidePublic Sector Benefits Administration Overview
An introduction to managing healthcare benefits for government employees, including regulatory requirements, vendor selection, and performance reporting.
Request this guideHow to Appeal a Denied Insurance Claim
A practical, step-by-step guide to filing an appeal when your insurance company denies a claim — including what to say, what to submit, and what to expect.
Request this guideHealthcare Glossary
Words you should know.
Healthcare is full of terms that sound technical but are actually straightforward once explained. Here are the ones that matter most.
Deductible
The amount you pay out of pocket for covered health services before your insurance plan starts to pay. For example, if your deductible is $1,000, you pay the first $1,000 of covered services yourself.
Premium
The monthly amount you pay for your health insurance plan, regardless of whether you use medical services. This is separate from your deductible, copays, and coinsurance.
Copay
A fixed amount you pay for a covered health service, usually at the time of service. For example, $25 for a primary care visit or $10 for a generic prescription.
Coinsurance
Your share of the cost of a covered health service, calculated as a percentage. For example, if your coinsurance is 20%, you pay 20% and your insurance pays 80% after your deductible is met.
Out-of-Pocket Maximum
The most you have to pay for covered services in a plan year. After you reach this amount, your insurance pays 100% of covered services for the rest of the year.
Network
The group of doctors, hospitals, and other healthcare providers that have agreed to provide services to members of a specific health plan at negotiated rates.
Prior Authorization
Approval from your health insurance plan that may be required before you receive certain services, procedures, or medications in order for them to be covered.
EOB (Explanation of Benefits)
A statement from your insurance company explaining what was covered for a medical service, what the provider was paid, and what you may owe. It is not a bill.
Frequently Asked Questions
Questions we hear every day.
If you do not see your question here, we are always just a phone call away.
Trusted Sources
Helpful links.
Official government and regulatory resources we recommend to our clients.
HealthCare.gov — ACA Marketplace
Find and compare ACA marketplace plans in your state.
Medicare.gov
Official information on Medicare coverage, plans, and enrollment.
Medicaid.gov
Learn about Medicaid eligibility and how to apply in your state.
IRS HSA Guidelines
Official IRS guidance on Health Savings Accounts and eligible expenses.
Still have questions?
Our team is available Monday through Friday, 8:30am to 4:30pm ET. We are happy to walk you through anything — no question is too small.