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When it comes to purchasing a health insurance plan, you’ve probably heard of the two plan types, HMO and PPO, but what exactly do these terms mean, and what is an EPO? Let’s learn more about these plan types and how you can choose the plan that meets your needs. What is an HMO Plan? HMO stands for “Health Maintenance Organization.” HMO plans contract with doctors and hospitals creating a network to provide health services for members in a specific area at lower rates, while also meeting quality standards. HMO plans typically require you to select a primary care physician (PCP) and obtain a referral from your PCP to see a specialist or to have certain tests done. If you choose to see a provider outside of the HMO’s network, the plan will not cover those services and you will be responsible for all charges. What is an EPO Plan? An EPO stands for “Exclusive Provider Organization.” This plan provides members with the opportunity to choose in-network providers within a broader network and to visit specialists without a referral from their primary care doctor. EPO plans offer a larger network than an HMO plan but typically do not have the out-of-network benefits of PPO plans. EPO plans do not require you to select a primary care physician (PCP) giving you a broader network of providers. EPO options are a great cost-saving option with more flexibility than a standard HMO plan. What is a PPO Plan? PPO stands for “Preferred Provider Organization.” PPO plans are often more flexible when it comes to choosing a doctor or a hospital. These plans still include a network of providers, but there are fewer restrictions on the providers you choose. PPO plans do not require you to select a primary care physician (PCP), giving you a broader network of providers. So, which plan should you choose? Each plan type has different benefits, so it depends on your health needs when choosing the right plan type. If you are looking for flexibility when choosing providers and locations, a PPO plan may better fit your needs. An EPO plan may be a better option if you want the flexibility of a larger network, but don’t necessarily need out-of-network benefits. If you regularly seek care in a certain geographic area and are looking for a health insurance plan at a lower price point, consider an HMO plan. To keep costs low, insurance carriers contract with providers and partner in plan members’ health to ensure quality care at the lowest cost. Whether you choose an HMO, EPO or PPO option, partnering with your health insurance carrier and your healthcare provider will help you receive the best care while controlling your out-of-pocket costs. Keep in mind that most insurance carriers offer emergency care coverage for all three plan options (HMO, PPO, EPO). Get the most out of your health insurance benefits! Established in 1988, Hometown Health is the insurance division of Renown Health and is northern Nevada’s largest and only locally-owned, not-for-profit insurance company providing wide-ranging medical coverage and great customer service to members.

Read More About Health Insurance Terms Explained: HMO, EPO and PPO Plans

Health insurance might be one of the most complicated purchases you will make throughout your life, so it is important to understand the terms and definitions insurance companies use. Keep these in mind as you are comparing health insurance plan options to choose the right plan for you and make the most of your health insurance benefits. One area of health insurance that can cause confusion is the difference between a plan's deductible and out-of-pocket maximum. They both represent points at which the insurance company starts paying for covered services, but what are they and how do they work? What is a deductible? A deductible is the dollar amount you pay to healthcare providers for covered services each year before insurance pays for services, other than preventive care. After you pay your deductible, you usually pay only a copayment (copay) or coinsurance for covered services. Your insurance company pays the rest. Generally, plans with lower monthly premiums have higher deductibles. Plans with higher monthly premiums usually have lower deductibles. What is the out-of-pocket maximum? An out-of-pocket maximum is the most you or your family will pay for covered services in a calendar year. It combines deductibles and cost-sharing costs (coinsurance and copays). The out-of-pocket maximum does not include costs you paid for insurance premiums, costs for not-covered services or services received out-of-network.  Here's an example: You get into an accident and go to the emergency room. Your insurance policy has a $1,000 deductible and an out-of-pocket maximum of $4,500. You pay the $1,000 deductible to the hospital before your insurance company will pay for any of the covered services you need. If you received services at the hospital that exceed $1,000, the insurance company will pay the covered charges because you have met your deductible for the year. The $1,000 you paid goes toward your out-of-pocket maximum, leaving you with $3,500 left to pay on copays and coinsurance for the rest of the calendar year. If you need services at the emergency room or any other covered services in the future, you will still have to pay the copay or coinsurance amount included in your policy, which goes toward your out-of-pocket maximum. If you reach your out-of-pocket maximum, you will no longer pay copays or coinsurance and your insurance will pay for all of the covered services you require for the rest of the calendar year.

Read More About Health Insurance Terms Explained: Deductible and Out-of-Pocket Maximum

Health insurance is complicated, but you don't have to figure it out alone. Understanding terms and definitions is important when comparing health insurance plans. When you know more about health insurance, it can be much easier to make the right choice for you and your family. A common question when it comes to health insurance is, "Who pays for what?" Health insurance plans are very diverse and depending on your plan, you can have different types of cost-sharing: the cost of a medical visit or procedure an insured person shares with their insurance company. Two common examples of cost-sharing are copayments and coinsurance. You've likely heard both terms, but what are they and how are they different? Copayments Copayments (or copays) are typically a fixed dollar amount the insured person pays for their visit or procedure. They are a standard part of many health insurance plans and are usually collected for services like doctor visits or prescription drugs. For example: You go to the doctor because you are feeling sick. Your insurance policy states that you have a $20 copay for doctor office visits. You pay your $20 copay at the time of service and see the doctor. Coinsurance This is typically a percentage of the total cost of a visit or procedure. Like copays, coinsurance is a standard form of cost-sharing found in many insurance plans. For example: After a fall, you require crutches while you heal. Your coinsurance for durable medical equipment, like crutches, is 20% of the total cost. The crutches cost $50, so your insurance company will pay $40, or 80%, of the total cost. You will be billed $10 for your 20% coinsurance.

Read More About Copays vs. Coinsurance: Know the Difference

Fishing can be great for relaxation, and it’s a great family activity. Here are five suggestions for great local fishing spots, plus a recipe for trout if you wind up catching one! There are many ways to unwind in the great outdoors in our beautiful region, and fishing can be easily added to that list. The benefits of casting a line are many. According to a study by Harvard Medical School, fishing was compared to yoga for its links to stress relief. The study notes that fishing brings out the relaxation response that slows down breathing, reduces blood pressure and relaxes the muscles. So, get out there and find some fish. There are many lakes of many styles to practice this ancient art, but here are the five that keep coming up in local conversation, virtual or otherwise. If you want to explore more options, the Nevada Department of Wildlife’s fishing guide can fill you in (and then some!). One thing to note about two of the areas we’ve chosen, Pyramid Lake and the Truckee River. Winter flooding has led regional officials to make necessary repairs to both areas, and there may be restrictions to access, including roads that lead to some of the fishing areas in both of these large bodies of water. Be sure to check first at the sites below before heading out, and you can also go to the flood advisory page for our region on water.weather.gov to check on flooding advisories throughout the summer as snowmelt continues. Five Great Regional Fishing Spots Boca Reservoir Location: Stampede Dam Road, 2 miles north of the Boca exit on Interstate 80 Two types of fish: rainbow trout, kokanee salmon More details: One of the more reliable year-round spots, Boca Reservoir even hosts ice fishing once (or if) the body of water freezes over. It’s located in the beautiful Tahoe National Forest. Donner Lake Location: Take the Donner Pass Road exit from Interstate 80, turn onto South Shore Drive Two types of fish: brown trout, mackinaw trout More details: A great scenic lake at the edge of Donner Memorial State Park, this fishing spot includes a public pier, while its China Cove on its southeast end is also a good place for mackinaw in the fall. Paradise Park Ponds Location: Take US Highway 395 to the Oddie Boulevard exit, follow it about a mile to the corner of Oddie and Silverada boulevards Two types of fish: rainbow trout, channel catfish More details: The Reno-Tahoe area has several urban lakes ripe for fishing, including this longtime spot for anglers. There are two large and two small ponds for a fun experience no matter your skill level. It’s also open year-round. Pyramid Lake Location: Interstate 80 to the Fernley exit, then take the Wadsworth/Pyramid Lake ramp to State Highway 447 Two types of fish: cutthroat trout, Sacramento perch More details: This is one place everyone talks about for fall fishing, as the season, which opens on Oct. 1, is very popular. The lake is run by the government of the Paiute Tribes and has distinctive rules for those who choose to fish here. Truckee River Location: Along Highway 89 and Interstate 80, between Tahoe City limits and Reno city limits Two types of fish: rainbow trout, mountain whitefish More details: This portion of the Truckee is where most of the fishing takes place, although the Reno-Sparks Recreation and Visitors Bureau notes that “this is not a river to fish to death in one spot. There is plenty of room and one should keep moving until one finds some agreeable fish.”

Read More About Get Reel: Top 5 Fishing Spots in the Truckee Meadows