What Is Insurance?
A simple explanation of what insurance is and why people have it.
Watch on YouTube1:16
Start here: how insurance works
Four short videos on the words and ideas behind every plan.
Who Pays for Your Benefits?
Employer-paid versus voluntary benefits, and who pays for each.
Watch on YouTube1:05
Premium, Deductible, and Copay
The three words everyone uses and few people explain, made simple.
Watch on YouTube1:06
Coinsurance and Out-of-Pocket Maximum
Who pays the rest of a big medical bill, and where your costs stop.
Watch on YouTube1:04
The Basics: each type of coverage
What each kind of benefit is, how it works, and a simple example.
Health Insurance: Where Do You Go for Care?
Telemedicine, your doctor, urgent care, or the emergency room: what each costs and how to choose.
Watch on YouTube1:40
Limited-Benefit Health Plans
What "limited benefit" means, and three questions to ask before you choose.
Your Dental Plan: How It Pays
Dental is separate from medical. See the three kinds of dental care and the share the plan pays for each.
Watch on YouTube1:16
Your Dental Plan: Before the Plan Pays
The deductible, the yearly limit, the waiting period, and why the network matters, with a worked example.
Watch on YouTube1:20
Your Vision Plan: Exams, Lenses and Frames
What vision coverage helps pay for, how a frame allowance works, how often you can use it, and where.
Watch on YouTube1:19
Hospital Indemnity: Cash When You're in the Hospital
Your medical plan pays the hospital. Hospital indemnity pays you.
Watch on YouTube1:25
Accident Insurance: Cash After an Injury
Medical insurance pays the doctors. Accident insurance pays you.
Watch on YouTube1:36
Short-Term Disability: Pay When You Can't Work
How part of your paycheck keeps coming when an injury or illness keeps you from working.
Watch on YouTube1:17
Life Insurance: Protection for the People You Love
How life insurance pays a lump sum to the people you choose.
Watch on YouTube1:25
Cancer and Critical Illness Insurance
Cash for the costs around treatment: travel, childcare, rent, and more.
Watch on YouTube1:27
Putting it together
How the pieces fit, and how to build a plan that fits your family.
Build Your Benefits Plan: Putting the Pieces Together
Start with your medical plan, find the gaps, and add only the coverage that fits your family and your budget.
Watch on YouTube2:32