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In 2021, Renown Health partnered with the National Fitness Campaign (NFC) to construct outdoor “Fitness Courts” in public spaces across the state. The partnership was formed to fight obesity, improve quality of life and create equitable access to outdoor exercise programs for communities around the state – bringing community wellness programs and free digital workouts to thousands of people. The Renown Health and NFC Campaign in Nevada is delivering outdoor wellness infrastructure to help communities stay active across the state and to change health outcomes. Out of Nevada's 16 counties, Fitness Courts® are now open in three. A Complete Bodyweight Workout at Seven Exercise Stations The Fitness Court is the world’s best outdoor gym that lets people use their own body weight to get a complete workout using seven exercise stations. Created for people ages 14 and over and with all abilities in mind, the workouts are adaptable for all fitness levels, allowing participants to move at their own pace. Users may also download the free Fitness Court App, which acts as a coach-in-your-pocket and enhances the outdoor gym into a digitally supported wellness experience. "Proximity to exercise opportunities, such as parks and recreation facilities, has been linked to an increase in physical activity among residents,” said Dr. Brian Erling, President & CEO of Renown Health. “Regular physical activity has a wide array of health benefits including weight control, muscle and bone strengthening, improved mental health and mood, and improved life expectancy. We are proud to bring additional access to exercise opportunities – at no charge, to everyone in our community.” Renown-Sponsored Fitness Courts Across Northern Nevada Rancho San Rafael  1595 N Sierra Street, Reno, NV 89503 South Valleys Regional Park 15650 Wedge Parkway, Reno, NV 89511 Ardmore Park 1200 12th Street, Sparks, NV 89431 Angel Park W Sage Street, Elko, NV 89801 Elquist Park 561 Altenburg Ave., Battle Mountain, NV 89820 To learn more visit Nevada Fitness Courts.

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Chances are you or someone you know will deal with chronic pain at some point in life. In fact, in the U.S. alone, one in five adults have experienced chronic pain in recent years, according to the Centers for Disease Control and Prevention (CDC). The road to relief is a frequently traveled one that can be filled with twists and turns, so it’s important for patients to have a trusted provider by their side navigating that journey.  We interviewed Dr. Sharlene Su, a pain management physician with Renown Medical Group, who told us what patients can expect when seeking care with Renown Spine, Sports & Pain Management (RSSPM) and all about the variety of pain relief options available to patients.  What pain management treatment options are available outside of painkillers? This depends on someone’s root cause of pain. For example, for pain from arthritis of the spine or major joints, radiofrequency ablation can relieve most of the pain for six months to two years, which can be life changing. If someone is suffering from a pinched nerve in the neck or back, an epidural can be useful. Nerve stimulators can also be a great option to relieve pain for years. One of the advantages of the procedures we perform at RSSPM is that they reduce the need for painkillers, which are notorious for having side effects of their own. Physical therapy can also be a very helpful tool to treat pain.  It is an exciting time in the field of pain medicine right now because new advances are -constantly being made. At Renown, we pride ourselves on staying current with the most cutting-edge treatments to ensure our patients always have the best available to them.  What are some at-home tips and tricks that patients experiencing pain can do on their own for some relief? If pain is related to posture or physical activity, consider doing stretching and strengthening exercises. YouTube can be a great (and free) resource for this. In terms of medications, over the counter topical pain creams can be great. Tylenol is one of the safest pain medications for those without preexisting liver conditions. On a short-term basis, anti-inflammatory medications can often be used safely depending on one’s overall health. Ice and heat can both be useful for treating muscle pain.  Can you tell us more about the services Renown Spine, Sports & Pain Management offers? Our team specializes in identifying the root cause of each patient’s pain and partnering with them to develop a custom plan tailored to their individual needs, which can involve injections, physical therapy and medications. We treat patients ranging from top-level athletes, to weekend warriors, to grandparents who’d like to be able to keep up with their grandkids. Once we relieve a patient’s pain, our role then transforms into a coach, educating and guiding our patients on how to prevent their pain from coming back.  At RSSPM, you’ll see the same doctor every time, which means that your provider will get to know you very well, and you’ll receive the same high-quality consistent care whenever you come for a visit.  Renown has a unique pain management team called “Special Procedures” that not many people may realize is a great option for care. How does this team treat pain? Our Special Procedures team is crucial to the high-quality pain management care that we provide. We have an amazing staff that assists with X-ray guided procedures including epidurals, radiofrequency ablations, joint injections and nerve stimulators. Dr. Casey Keating, our division chief, and I work with this team to ensure that every procedure is done with the same precision, attention to detail and quality. The Special Procedures team regularly receives feedback from patients on how well taken care of they felt during their procedure.  If someone is experiencing pain from an injury or even an unknown reason, what should they do to get care for their concerns? Contact your primary care provider for a referral to have an evaluation with us! RSSPM accepts most insurance plans and are proud that our wait times are averaging less than one week to be seen as a new patient. Two more doctors will be joining us in the next few months, which should reduce our wait times even more.  There are so many targeted and effective ways to treat pain nowadays, and it is worth addressing to live the life you want to live.

Read More About Navigating Pain with Renown Spine, Sports & Pain Management

If you have the chance to meet Tami and Richard Dethmers, you will quickly discover a remarkable couple who embody a heartwarming spirit. Married for 44 years, they cherish family above all else. With five children and 10 grandchildren, their family is not just their priority—it's their whole world. It is this love and their steadfast faith that led Tami and Richard to make a transformative donation to Renown Children’s Hospital. The Heart of Giving In 2023, Tami toured the construction of the new Wilbur D. May Neonatal Intensive Care Unit and Pediatric Intensive Care Unit at Renown Children's Hospital. She was touched by the idea of creating a special place for sick children and their families. That night, she talked with Richard about how they could help. Together, they both agreed to make a generous donation that could help ease the pain for families with children in the hospital. A Comforting Consultation Room Their donation established a consultation room in the Wilbur D. May NICU and PICU at Renown Children's Hospital. Tami and Richard's motivation stems from personal experience, having seen their grandson endure four open-heart surgeries. "I remember challenging conversations with doctors, surrounded by other families in the open PICU. It was difficult,” said Tami.  In this new consultation room, families have a private space to learn about the next steps in their journey, gaining insights into the illnesses affecting their children. It is a dedicated space where doctors can discuss treatment plans and medical information with families. Designed to be a supportive and calming environment, the room features art on the walls, and a window bathes the space in beautiful, natural light, offering comfort to families in need. Tami and Richard’s donation ensures that families in the NICU and PICU can navigate difficult conversations with doctors in a thoughtfully designed space. Because We Love You and We Care In the new consultation room, a powerful message is printed and framed: 'Because we love you and we care.' This phrase is an important part of Tami and Richard’s donation, reflecting words they spoke to their children while they were growing up. For them, it symbolizes love, care, and a commitment to offering support. A Legacy of Comfort Tami and Richard, along with their family, are dedicated to an ongoing legacy of giving. Together, they also donated blankets to patients and families who use the consultation room. “I hope they provide an added layer of comfort,” said Tami. Each blanket includes a custom tag repeating those same words 'Because we love you and we care.' Richard echoes Tami's sentiments. “We do what we can because we love children, and there is no greater pain than a child in distress,” Richard said, emphasizing their shared dedication to helping children in need. Together, with their children and grandchildren, they continue to make a difference, embodying the power of compassion and generosity in their family's legacy.

Read More About Why I Give: Tami and Richard's Story

Abdominal pain is one of the most common reasons for an Emergency Room visit. The abdomen is an area that encompasses multiple organs and functions. So how would you know when the pain you are feeling is an ovarian cyst or something else, and when should you seek medical attention? Dr. Carilyn Hoffman, at Renown Women's Health, explains. Ovarian Function Defined Located on each side of the uterus, the ovaries are part of the female reproductive organs and produce eggs (ova), released during the menstrual cycle, allowing for fertilization and pregnancy. They also produce hormones such as estrogen and progesterone, which play an important role in female traits, bone health, cardiovascular health and pregnancy. Symptoms of an Ovarian Cyst Cysts are solid or fluid-filled masses. Ovarian cysts can be in the ovary or on its surface. When cysts are enlarged or rupture, they can create a dull ache or sharp pain below the belly button. Besides discomfort and pain, other symptoms of ovarian cysts may include bloating, fullness, pressure or heaviness. "Ovarian cysts are common; most are physiologic and will go away on their own. They are frequently found incidentally on ultrasound and are present in the middle of the menstrual cycle," says Dr. Hoffman. "However, if a woman experiences sudden and severe pelvic pain they should seek immediate medical attention. Sometimes ovarian cysts can become large and twist on themselves. This is called ovarian torsion and is a surgical emergency. Other times, cysts can rupture and bleed. This is called a hemorrhagic cyst and can also be a surgical emergency." Diagnosis and Treatment If an ovarian cyst is suspected, your doctor will perform a pelvic exam and order an ultrasound. There are certain ultrasound findings that suggest that the cyst is benign. There are other ultrasound findings that are concerning for cancer. Small simple cysts often resolve on their own, whereas solid or very large cysts may require surgery.

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Snowshoeing is an excellent winter workout that can help burn calories, strengthen muscles and boost cardiovascular health. Explore the top 8 snowshoeing spots and experience this ultimate workout adventure! Significant Health Benefits: Exceptional cardiovascular workout – burn up to 1,000 calories per hour! Low-impact muscle building Endurance building Balance strengthening and agility Improves your sense of well-being by connecting to nature Prepping for Your Adventure There are some crucial details to think about when it comes to snowshoeing, especially if you are a beginner. Make sure to pick the right kind of footwear to go on top of your snowshoes; a pair of comfortable waterproof boots are a great choice and remember to wear lots of layers. Several local places rent snowshoes if you aren’t sure about spending money on a pair. Check out Bobos Ski and Board Patio or our local REI Co-Op. Check out REI’s Beginner’s Guide to Snowshoeing for reference. 8 Cool Snowshoeing Spots 1. Galena Creek Park Close to Reno, this beautiful, low-altitude park offers several trails. You’ll find various creeks and streams under cover of pristine ponderosa pines. From beginner to advanced, the differing trail systems provide a challenge for everyone! Head west on State Route 431 (Mt. Rose Highway) for about seven miles until you see the park sign on the right side of the highway. 2. Tahoe Meadows – Chickadee Ridge This local favorite not only gives fantastic views of Lake Tahoe but the best part? – friendly little chickadees will eat seeds right out of your hand! Be sure to pack plenty of sunflower birdseed, as that seems to be their favorite. From the trailhead parking lot, head southeast into the open meadow. Then follow the ridgeline to your right (southwest). Continue southwest up toward the top of the ridgeline to the west, and you’ll get to Chickadee Ridge in just under two miles. 3. Spooner Lake Trail The easy 2.5-mile loop around Spooner Lake is excellent for all skill levels. This alpine lake is surrounded by aspen trees which house varied bird species, so bring your binoculars! Dogs are allowed on a leash, and all-day parking is $10. 4. Kirkwood Ski Resort You’ll need a trail pass, but this South Lake Tahoe resort has various routes from beginner to advanced, with roughly 50 miles of terrain. Nighttime snowshoe treks during the full moon are also available throughout the winter. Kirkwood is located on Highway 88, close to Carson Pass. 5. Camp Richardson Heading north, you can find this well-established and favorite local snowshoeing spot. If you’re up for an adventure, you can trek up to Fallen Leaf Lake. It’s located off Highway 89 and near Fallen Leaf Road. 6. Dry Pond Loop This moderate, 6.5-mile loop near Washoe Valley has impressive views of Carson Valley, Washoe Lake, and the Mt. Rose Wilderness. If you like the sound of rushing water, most of the trail meanders along White’s Creek. This area is dog-friendly and kid-friendly, which makes it a family favorite. 7. Royal Gorge Soda Springs is home to this resort, which is well known for its cross-country skiing trails. Enjoy extensive trails leading deep into the trees with spectacular views. Find Royal Gorge from the Soda Springs exit on West Interstate 80. 8. Ash Canyon Creek Tucked away in the Carson Valley, these trails are filled with mountain bikes in the spring and provide excellent snowshoeing trails in the winter. Find it from Interstate 580 by taking the Highway 395 Business exit to Winnie Lane.

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Do you find yourself struggling to stay awake during the day or having no energy? You’re not alone. Whether you’re a full-time employee, a student or retiree, that “I’m tired” feeling comes in all shapes and sizes. What’s even more frustrating is not knowing the source of your exhaustion.  Dr. Brandon Flores, a sleep medicine physician with Renown Medical Group, breaks down nine key reasons why you may be feeling so fatigued.  You did not get enough sleep, or your quality of sleep is poor. This may seem obvious, but in today’s “rise and grind” culture, sleep can be considered a luxury rather than what it really is: a necessity. Ensuring you get adequate hours of sleep between 6-9 hours and quality sleep is essential. You may not be breathing well during sleep. Interruptions to your breathing, such as snoring, can decrease airflow at night causing your sleep to be less restorative. This is often due to Obstructive Sleep Apnea (OSA). OSA can lead to daytime fatigue and sleepiness and can also impact other chronic health conditions, such as hypertension, diabetes, acid reflux, migraines and heart rhythm. You are not getting enough regular exercise, or you are exercising too much. Incorporating at least 30 minutes a day of physical activity can help keep you energized throughout the day. It has also been shown to increase deep slow wave sleep, which is often associated with feeling rested. On the other hand, getting too much exercise can tire you out more easily and heighten stress levels. You drink too much caffeine. This one may seem counterintuitive – caffeine is supposed to keep you awake, right? Well, overdoing it with your favorite coffee or soda could affect your sleep quality. Pay attention to your caffeine limits and have a cut-off time, as most caffeine should not be consumed past noon. You have a food allergy or intolerance. If you find yourself feeling especially tired after eating a lot of a certain food, you could have an allergy or intolerance to it – and vice versa. Consider speaking with your primary care provider (PCP) about a food allergy test or being referred to an allergist. You’re drinking too many alcoholic beverages. Alcohol is a depressant, which as the word implies, can make you feel especially tired during the day. It can also affect your breathing at night and disrupt your sleep cycle. Cutting back on alcoholic drinks may be beneficial to your overall health. You are anemic. This is the leading cause of fatigue in women but can affect people of all genders. It can be associated with low iron. Eating foods high in iron, including leafy greens and many different meats, can help your iron levels. A blood test ordered by your PCP can help you understand if you are iron deficient. You are experiencing depression or anxiety. Emotional exhaustion can be just as taxing as physical exhaustion. Prolonged feelings of sadness, hopelessness, nervousness or panic can be signs and symptoms of depression or anxiety. Speak with your provider about the many resources available to help you. You have an underactive thyroid. Feeling fatigued can also be a symptom of hypothyroidism, which affects your metabolism and energy levels. Medication can help get your thyroid back to normal. Your PCP can order a blood test to determine your thyroid levels.  If you experience severe exhaustion that lasts six months or longer, worsens after physical or mental exertion and does not get better after resting, it could be a sign of myalgic encephalomyelitis, otherwise known as chronic fatigue syndrome (CFS). This is a diagnosis of exclusion, and other causes must be ruled out. While there are no tests that detect CFS, your provider can order blood and urine tests to rule out other causes of your fatigue and help develop a care plan. © Africa Images via Canva.com

Read More About Why Am I So Tired? 9 Reasons for Your Chronic Exhaustion

Meet newly minted Dr. Majid Khan, PhD., a native of Reno, and current MD-PhD candidate and first-generation medical student at the University of Nevada, Reno School of Medicine, who is on his way to a career as a Neurosurgery. While most graduate students often choose between pursuing a medical degree (MD) or a doctorate in philosophy (PhD), Majid has boldly picked both. He is one of three medical students currently in the UNR Med MD-PhD Program run by Dr. Caroline Cobine, PhD and Dr. Violeta Mutafova-Yambolieva, MD, PhD. "Research is not merely an act of sitting at a computer and reading papers – it's about answering the thought-provoking questions about things we come across on a daily basis. By critically evaluating these ideas we can implement solutions to enhance various aspects of the medical field and patient care with an overall goal of improving patient outcomes," Majid said. Majid recognizes that modern research extends beyond academia and holds significant value for hospitals. “Research contributes to improving patient outcomes. By reviewing the data from peer-reviewed research studies, medical professionals can be better prepared to deliver effective care following the most up-to-date guidelines and data,” he said. Majid's journey to pursuing his MD-PhD with a goal of becoming a physician-scientist-surgeon began following a summer in the PathMaker Cancer Research Program at the Huntsman Cancer Institute at the University of Utah. "It was by fate that I stumbled into this field – ever since I saw my first brain surgery, I haven’t been able to look back," Majid said. Here are some of the valuable lessons that Majid has learned along the way. 1. Beyond the 9 to 5, Embrace both 5 to 9s To avoid burnout and nurture personal passions, make your time spent outside of work and school intentional. Harness any free time to reconnect with friends, pursue hobbies and engage with mentors and mentees. 2. Collaboration is Key Work collectively with colleagues locally, nationwide and even worldwide. Cultivate environments to share knowledge and innovation, as well as wisdom, which will evidently lead to more impactful outcomes. 3. Shine a Spotlight on Your Colleagues Acknowledge and celebrate your colleagues in group settings when you notice something outstanding that they’ve said or done – it could anything big or small. Shining the spotlight onto those who are making positive changes within the hospital can inspire a beautiful culture of academic healthcare, which ultimately improves patient outcomes. 4. Redefine Mentorship Mentorship does not need to be confined to traditional frameworks. Seek out guidance in unexpected and untraditional places; sometimes, the most enlightening lessons and opportunities emerge from the most unlikely sources. 5. Diversify Your Experiences Embracing a diverse range of experiences enriches one's medical acumen. You never know when a seemingly unrelated job or experience will help in a scenario in your career. 6. Live By the Mamba Mentality Follow the late Kobe Bryant’s approach to life and work, the Mamba Mentality. This includes planning long-term goals, placing meaning in everything, striving for constant personal growth, following your passions and focusing on the process rather than the end goal. 7. Make Time for Your Loved Ones Don’t forget who helped you get to where you are in your life, specifically your family, friends, teachers and mentors. By making time for the most important and loving people in your life, you will be surrounded by positivity which will help propel you to new heights. 8. Plan your Next Five Moves We all have the ability to come from nothing and become something. Take the time to plan out everything and execute your moves with careful precision. Majid has plans to return to the Biggest Little City after completing Neurological Surgery Residency Program. If you would like to get in touch with Majid, please reach out to him via email at majidk@med.unr.edu.

Read More About Eight Lessons from an MD-PhD Candidate at UNR Med

Above: Brian Cushard (left), Renown Health Foundation Board Chair, with his family At Renown Health Foundation, our mission is simple yet powerful – to raise funds that support Renown Health, the largest not-for-profit health system in northern Nevada. We are the driving force behind initiatives that bring state-of-the-art equipment, conduct groundbreaking research, enhance healthcare services, improve patient outcomes and contribute to the overall well-being of our community.  Our Dedicated Board of Directors  Our impactful work would not be possible without our Board of Directors – a fantastic team of 27 local volunteers. They bring diverse skills to the table, working together to create positive changes in healthcare for northern Nevada. Our board is at the core of our Foundation's success by guiding important decisions, sharing valuable insights and actively engaging in community relationships.  Meet Brian Cushard – Renown Health Foundation’s Chair  Brian Cushard took on the role of Foundation Board Chair at the beginning of 2024. Brian, who is the President of LP Insurance Services in Reno, will lead us for the next two years, bringing a wealth of experience and a deep commitment to community well-being. Since joining Renown Health Foundation’s Board in 2018, Brian has been instrumental in shaping our strategic direction.  Brian’s Vision: Advocating for Renown Health’s Mission and Making a Difference  We had the opportunity to sit down with Brian and explore his passion for healthcare philanthropy and the positive changes he envisions. Brian's 'why' is firmly rooted in the belief that a robust health system serves as the backbone of the community. His vision extends beyond fundraising; it's about inspiring the community by sharing remarkable stories of care and championing Renown's impactful contributions.  Q: Why does Renown's mission matter to you, and how do you see your role making a difference?  A: Renown's mission matters deeply to me because, without a highly functioning healthcare system, the economic structure of the community can be impacted. At LP Insurance, where I work, we see ourselves as guardians of our clients' hopes and dreams. This translates to my role on the Board as stewards for the health of others. Advocating for a highly functioning health system is crucial in supporting community members and clients alike. Surrounding ourselves with a solid network is essential. As advocates, our voices are integral in ensuring that everyone's voices are heard.  Q: Can you share a moment that made you want to support healthcare causes?  A: There are those stop-in-your-tracks healthcare moments that make you reassess life's priorities. I've had moments where life comes to a standstill, and what you once thought was important takes a backseat to the basics of life—getting better, one step at a time. In those vulnerable moments, you realize the importance of every person at the hospital. In desperate need, we rely on them. It's eye-opening and gives perspective on what's truly valuable in life.  Q: Tell us about a time when you saw the positive impact of healthcare or philanthropy. How did that influence your decision to get involved?  A: One impactful moment in philanthropy stands out — the Music and Miracles concert featuring the Beach Boys. LP Insurance was a major donor, contributing $100,000 to benefit Sophie’s Place, a music therapy room coming to Renown Children's Hospital. On the day of the event, my wife and I volunteered and saw the remarkable community support for Renown Children’s Hospital. The collective efforts that day raised over $1 million, specifically designated to establish Sophie’s Place. This experience inspired me to want to do more, as I recognized the profound positive impact that philanthropy can have on healthcare and the community.  Note: Sophie’s Place, opening later this year, will offer vital care and healing experiences for young patients at Renown Children’s Hospital.

Read More About The Impactful Role of Renown Health Foundation's Board of Directors

Managing weight is a complicated and often difficult journey for many individuals, and obesity stands as a common and serious chronic health condition. In fact, the Center for Disease Control and Prevention reports that the prevalence of obesity in the US is greater than 40% in adults and 20% in children, and those numbers are continuing to climb. In Nevada, according to the 2020 Behavioral Risk Factor Surveillance System, 28.7% of adults reported being obese. By 2030, almost 80% of American adults may be overweight and half of them will be obese. But obesity isn't just about the numbers on the scale; it's a multifaceted, lifelong, neurobehavioral disease triggered by a combination of factors. These include abnormal eating patterns, reduced physical activity levels, environmental stressors, genetics and various other contributors. Obesity extends far beyond appearance, often leading to the development of numerous medical conditions such as diabetes, heart disease, elevated blood pressure, stroke, sleep apnea, liver disease, various cancers and infertility. Join us as we delve into the complexities of obesity and explore strategies for effective weight management available right here in northern Nevada. Why Can Losing Weight be so Difficult? The challenge behind weight loss finds its roots in the Set-Point Theory of Obesity, a concept that says our bodies have a predetermined weight, or fat mass, within a defined set-point range. In other words, when an individual's weight deviates from this set point, the body initiates mechanisms to bring it back to the established range. So, if someone loses weight below their set point, the body may respond by increasing hunger and reducing metabolism, making it challenging to sustain weight loss. There Isn’t One Right Answer, But Renown is Here to Help Various weight management strategies can be utilized by patients struggling with obesity, which may lead to substantial weight loss, resolution of associated medical conditions and improved psychosocial health. In fact, the most successful strategy involves a multidisciplinary approach under the guidance of trained specialists that includes a combination of tactics, including: Behavioral adaptations Dietary modifications Physical exercise  Anti-obesity medications  Weight loss surgery

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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