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    • Salud infantil
    • Vacunas
    • Vacuna contra la influenza

    Protéjase y proteja a los demás con la vacuna contra la influenza

    Flu shots don’t just protect those who get vaccinated; they protect everyone, including your family and the community. As we continue navigating the COVID-19 (coronavirus) pandemic, Renown Health infection prevention expert Whitney Robinson explains how getting your flu shot is vital for staying healthy. 5 Ways to Schedule Your Flu Shot Call Us! 775-982-5000 Urgent Care Appointments Renown Pharmacy Vaccinations Make an Appointment via MyChart Need a Doctor? Find One Now Reasons to get the flu shot Chills, body aches, fever, congestion; getting the flu isn’t fun. But in addition to protecting yourself with a flu shot, you’re helping reduce flu cases and hospitalizations, Whitney said. Flu shots are currently available at pharmacies throughout the Reno area. Whitney says the ideal time to get your flu shot is September through October, but remain relevant throughout the winter months as it only takes two weeks for the antibodies to develop in your body. This timing allows the vaccine to provide the strongest protection during the length of flu season. Who needs a flu shot? Almost everyone. The Centers for Disease Control and Prevention recommends the yearly flu shot for everyone six months of age and older. Equally, they consider it the first and most crucial step in protecting against the flu virus.

    Read More About Protect Yourself and Others with the Flu Shot

    • Atención del cáncer
    • Alimentos y nutrición

    Cómo la dieta puede afectar el riesgo y la recuperación del cáncer

    Cancer affects millions of lives worldwide. Though medical advancement has done a great deal to increase the human lifespan, proper nutrition has also been proven to help in the prevention of cancer. As researchers continue their hunt for a cure, there is a lot of information out there to support the argument that nutrition is an essential component in disease prevention and management. Nutrition Services: To learn more, call us at 775-982-4000 Linking Diet and Cancer Risk Evidence shows that our diets impact our vulnerability to cancer – and our ability to fight it. The American Cancer Society states that at least 18% of all cancers in the United States are related to excess body weight, physical inactivity, alcohol consumption, and/or poor nutrition. (American Cancer Society Guideline for Diet and Physical Activity | American Cancer Society). Sure, genetics can contribute, but research continues to support the belief that following a healthy diet can reduce the likelihood of developing cancer in the first place. Renown Health’s Jessica Blauenstein, MS, RDN, LDN, CSO, Registered Dietitian and Board-Certified Specialist in Oncology Nutrition confirms the importance of a nutritious diet consisting of: Fruits and Vegetables: Eating a variety of fruits and vegetables provides large amounts of vitamins, minerals and antioxidants. Nutrient-rich, they help in fighting off oxidative stress and inflammation, both of which are factors for developing cancer. Whole Grains: A diet rich in grains such as brown rice, quinoa and oats, contains substantial amounts of fiber that helps in digestion. A few studies have shown that whole grains might offer some protection against colorectal cancer. Lean Proteins: Reducing the amount of red and processed meats in the diet by substituting lean proteins, such as poultry, fish, beans and lentils may lower the risk of developing cancer. Red and processed meats have been associated with colorectal and other cancers when consumed in large amounts. Healthy Fats: Begin focusing on healthy fats from foods like avocados, nuts, seeds and olive oil. These fats are anti-inflammatory, which may play a beneficial role in disease prevention. Avoidance of Sugar and Processed Foods: Sugar and foods high in processed ingredients have been linked to an increased risk of obesity, type 2 diabetes and some cancers. It's important to limit the intake of sugary drinks, candy and snacks in the battle against cancer. A Role of Nutrition in Cancer Recovery Nutrition becomes even more critical for individuals who receive treatment and are in recovery. Treatments such as chemotherapy, radiation therapy and surgery can take a lot out of a body, affecting appetite, digestion and nutrient absorption. Proper nutrition during and after treatment can help: Support Immune Function: A good, balanced diet will provide the essential nutrients that support a resilient immune system, which is important in fighting off infections and supporting overall health during cancer treatment. Maintain Strength and Energy Levels: Proper caloric intake, protein and micronutrients prevent muscle wasting and fatigue, allowing patients to sustain their strength and energy. Address Side Effects: Certain foods and diets can help reduce or alleviate some common side effects associated with cancer treatment, including nausea, vomiting and mucositis. Eating small, frequent meals, maintaining good hydration, and avoiding spicy or acidic foods can all ease treatment-related discomfort associated with the GI tract. Facilitate Healing and Recovery: Nutrient-rich foods promote healing and the repair of tissues that may be damaged after surgery or other medical interventions. Foods high in proteins, vitamins and minerals play a significant role in repairing and replacing damaged tissues and cells. Correct Nutritional Deficiencies: Cancer and its treatment cause vitamin D, vitamin B12 and iron deficiencies in the diet. Nutrition therapy through a registered dietitian or nutritionist can identify those deficiencies and help manage them through dietary changes or supplementary means. Related information: Nourishing Your Loved One Through Cancer Treatment

    Read More About How Diet Can Affect Cancer Risk and Recovery

    • Atención pediátrica
    • Salud infantil

    Piense fuera de lo común: Trucos saludables y creativos para el almuerzo escolar

    Today's school lunch is an opportunity to create a healthy, colorful midday meal, far from the days of soggy PB&Js. Here are simple tips, a week of lunch ideas, and a shopping list to help you pack a lunch your child won't want to trade. Packing lunches ensures your child gets a well-balanced meal, and making it a team effort by having kids help can save time by packing the night before. Nutritious Ideas Main dishes Lunch meat and low-fat cheese roll ups English muffin pizzas Sandwich wraps – meat, cheese and veggies in a whole grain tortilla Pita pockets stuffed with grilled chicken and vegetables Soup Chef salad with spinach, veggies, cheese, lunch meat and dressing Tuna or chicken salad on a mini bagel Snacks and sides Fresh or dried fruit Natural apple sauce Baked tortilla chips and salsa Veggie sticks and hummus Cheese slices or string cheese with whole grain crackers Homemade trail mix with nuts, seeds and raisins Pudding Homemade fruit roll ups Popcorn (add different toppings such as salt, garlic, cinnamon, sugar or cayenne pepper) Drinks Water If you child doesn’t like plain water, try adding a few slices of fresh fruit (strawberries, lime, lemon) for more flavor. School Lunch Menu: Day-By-Day We’ve put together a week’s worth of colorful, fun and healthy school lunch ideas your kids will love. And we’ve also created a shopping list to help you easily locate all the ingredients on your weekend shopping trip. Monday: Turkey BLTA Roll-ups Roll-up Ingredients Turkey, cold cuts Bacon Avocado Tomatoes Side Dish Choices Blueberries Cucumbers Carrot sticks Tuesday: Bacon & Cucumber Sandwich Sandwich Ingredients Whole wheat English muffin Cucumber Bacon Side Dish Choices Apples slices Strawberries Vanilla yogurt mixed with sprinkled cinnamon Wednesday: DIY Lunchables  Lunchables Ingredients Crackers Turkey, cold cuts Cheese Side Dish Choices Blueberries Carrots Cucumber Thursday: Veggie Grilled Cheese Veggie Grilled Cheese Ingredients English muffin Cheese Tomato Spinach leaves Avocado Side Dish Choices Apples slices Strawberries Vanilla yogurt mixed with sprinkled cinnamon Tomatoes Friday: DIY Pizzas DIY Pizza Ingredients 2 toasted English muffins Pizza sauce Cheese Turkey pepperoni Side Dish Choices Celery Black olives Shopping List (under 20 items) Cold section: Dairy 1 large container of vanilla yogurt 1 package of your favorite cheese  Cold section: Deli meats 1 package of turkey pepperoni 1 package bacon 1 package turkey cold cuts Inside aisles Whole wheat English muffins 1 can of whole black olives 1 jar of pizza sauce 1 box of whole wheat or multigrain crackers  Produce department 1 cucumber 1 stalk of celery 2 apples 1 container of strawberries 1 avocado 2 tomatoes 1 bunch of spinach leaves 1 container of blueberries 2 carrots

    Read More About Think Outside the Box: Healthy, Creative School Lunch Hacks

    • Recetas
    • Alimentos y nutrición

    Tazón saludable de verano

    Say Hello to Summer in a Bowl If you've wanted to add a heart-healthy dish to your recipe repertoire, now's the time. This tasty vegan bowl loaded with turmeric chickpeas, marinated tofu and quinoa offers essential nutrients and beneficial fats to help maintain healthy cholesterol levels and reduce the risk of heart disease.

    Read More About Summer Buddha Bowl

    • Salud del bebé
    • Salud infantil
    • Niños seguros
    • Atención pediátrica

    Cómo proteger a sus hijos de la insolación

    With the dangerous heat wave impacting our region, there are heightened risks of heatstroke, especially for children who cannot regulate their body temperature as efficiently as adults. Infants are particularly vulnerable and may not express discomfort, so never leave a child unattended in a vehicle. Top Tips for Preventing Heatstroke Reduce the number of deaths from heatstroke by remembering to ACT. Avoid heatstroke-related injury and death by never leaving a child alone in a car, not even for a minute. And make sure to keep your car locked when you’re not inside so kids don’t get in on their own. Create reminders. Keep a stuffed animal or other memento in your child’s car seat when it’s empty, and move it to the front seat as a visual reminder when your child is in the back seat. Or place and secure your phone, briefcase or purse in the backseat when traveling with your child. Take action. If you see a child alone in a car, call 911. Emergency personnel want you to call. They are trained to respond to these situations Keeping Your Baby Cool in the Back Seat In hot weather, it is crucial to keep your baby cool and hydrated by using a car seat cover or towel over them to reflect the sun's rays. Dress your baby in lightweight clothing that covers their arms and legs. Keep an eye on your baby's skin color. Move them to a cooler place if they look too red or flushed. Keep the temperature at a comfortable temperature for you, not for your child. Keep the windows cracked open for ventilation and ensure nothing is blocking the airflow from entering or exiting the vehicle. Dress your infant appropriately for their environment, including appropriate head and neck coverings, to keep them cool and protected from sunburns. Ensure you have enough fluids to last an hour before getting out of the car or use bottled water if possible. Never leave your child unattended in a car. Steps to Follow if You Suspect Heatstroke  Call 911 immediately.  Cool the victim – Get the person to a shady area, remove restrictive clothing and cover skin with sheets soaked in ice-water, and place ice packs in the arm pits and groin.  Have the victim drink cool fluids, preferably an electrolyte-containing sports drink.  Monitor body temperature with a thermometer but stop cooling efforts after temperature has dropped to 102 Fahrenheit. Baby Safe Classes These classes help prepare parents for emergencies that may occur in baby’s first year. Safe Kids Worldwide Did you know heatstroke is the leading cause of non-crash related fatalities in children? “On average, every 10 days a child dies from heatstroke in a vehicle. In more than half of these deaths, the caregiver forgot the child was in the car.”

    Read More About How to Protect Your Kids from Heatstroke

    • Recetas
    • Alimentos y nutrición

    Motivar a los niños a comer alimentos saludables

    Do you have a picky eater in your household? Or maybe you've got a snack monster who’s all about chips and candy? We're here to share a few fun strategies to motivate your little superheroes to snack on healthy foods instead! Rainbow Power-Up Eating a rainbow isn't just for unicorns! Different colors mean different powers: Red foods like strawberries and tomatoes help your heart. Orange foods like carrots and sweet potatoes help your eyes spot things like an eagle! Green foods like spinach and broccoli help you grow super strong bones. So, create a plate with as many colors as possible. The more colors, the more powers! Super Smoothies Blend your favorite fruits, such as bananas, berries and mangoes. Add some milk or yogurt and a handful of spinach. Your kids won't taste the spinach, and they'll drink a supercharged smoothie that gives them the energy to tackle any challenge. Create a Parfait Packed with Delicious Layers! Veggie Villans Who said veggies can't be fun? Turn them into heroes by giving them cool names and fun shapes. Make carrot sticks "Captain Crunch" or broccoli florets "Broc the Rock." Dip them in hummus or peanut butter for an extra flavor kick. Snack Attack Plates Create snack plates that are as fun as they are nutritious. Combine: Cheese cubes Grapes or apple slices Nuts or seeds Whole-grain crackers Mix and match these for your perfect plate! Make Your Own Trail Mix  Fuel-Up Challenges Challenge your kids to eat three different healthy foods each day. Turn it into a family game to see who can eat the most colors or try the most fruits and veggies. You can even draw up a "super snacks" chart to keep track of your progress. Final Super Tip! Even superheroes have cheat days. Don't worry if your family doesn't eat healthy every meal. Just aim to eat more of the good stuff than the not-so-great stuff. Your kid's bodies will reward them with tremendous energy, focus and strength.

    Read More About Motivating Kids to Eat Healthy Foods

    • Recetas
    • Alimentos y nutrición

    Prepare su propia mezcla de senderos: 4 Recetas rápidas y fáciles

    Craving a crunchy, sweet, and nutritious snack? Try making your own trail mix! Perfect blends of nuts, dried fruits, and a touch of chocolate can be whipped up using bulk bin ingredients or pantry staples. Enjoy this delicious, healthy snack on a hike, at the office, or on your next road trip through Nevada's scenic deserts.

    Read More About Make Your Own Trail Mix: 4 Quick and Easy Recipes

    • Alimentos y nutrición

    Nutrir a su ser querido a través del tratamiento contra el cáncer

    Eating healthy is a daily challenge for many, but for those with cancer, it is an even harder struggle. A cancer diagnosis affects not only those diagnosed but family members and friends, too. One key area of concern is making sure your loved one stays well by eating healthy food every day. Here are some vital cancer nutrition tips from Jessica Blauenstein, a Board Certified Specialist in Oncology Nutrition and Registered Dietitian at Renown Health. Help to Prepare Meals and Snacks for Daily Cancer Nutrition Make it grab and go. Easy-to-make meals help reduce the burden of having to cook and prepare food. Having easy to grab snacks on the counter or in the fridge can help ensure your loved one has access to those nutrients when needed. Sit outside of the kitchen. This allows your loved one to avoid cooking smells which can make them feel sick as a side effect of cancer treatments. Also try serving them cold foods such as sandwiches, cheese and crackers, or shakes which have a mild scent. Try drinkable meals. Some people with cancer find it easier to sip their calories over the course of 30 minutes to an hour. Consider smoothies or supplemental shakes such as Ensure Complete, Fairlife shakes, Orgain shakes, or Boost Plus to name a few. A great foundation for a smoothie is a protein source (Greek yogurt, protein powder, nut butters or milk) with a carbohydrate (fruits, juice or berries). Add other ingredients as desired, such as spinach, kale, and ground flaxseed or chia seeds to give it more vitamins, minerals, and fiber. Snack Ideas for Those Undergoing Cancer Treatment The following ideas are both quick and easy to make for your loved one. Chicken or tuna salad with whole grain crackers or as a sandwich on whole grain bread Greek yogurt mixed with cereal, fruit and/or nuts Cottage cheese with banana, cinnamon and/or peanut butter Favorite fruit with 100% natural peanut or almond butter spread - Try peanut butter with bananas, apples, or even celery Their favorite veggies dipped in a salad dressing of your choice - For example, carrots with hummus, tahini, or ranch dressing Cheese and whole grain crackers - Add tomato slices with a small amount of avocado, and a dash of oregano on top for more flavor Eggs scrambled with cheese, vegetables and/or salsa Peanut butter and jelly sandwich on whole grain bread A baked sweet potato with some favorite toppings Hard boiled eggs and/or egg salad with whole grain crackers, or as a sandwich on whole grain bread Oatmeal or cream of wheat prepared with milk, fruit and/or nuts Sometimes your loved one may not feel like eating or refuse to eat. If treatment side effects are impacting your loved one’s ability to eat, please visit the websites below containing recipes tailored to treat side effects. Cook for Your Life ELLICSR Of course, you may also consult a registered dietitian and/or the patients care team, if you have more cancer nutrition concerns.

    Read More About Nourishing Your Loved One Through Cancer Treatment

    • Salud infantil
    • Oncología pediátrica
    • Empleados
    • Atención del cáncer
    • Atención pediátrica

    Departamento destacado: Servicios de infusión para niños

    Help us celebrate the holiday season by sharing joy with our Children’s Infusion Services team!  Thinking about blood can make any of us squeamish, and seeing it can be even more intimidating to the children in our lives. Being treated for a condition that requires blood transfusions or chemotherapy infusions is no easy feat, especially during the holiday season. This time of year, we are proud that we can offer our pediatric patients the power of proximity and excellence by having access to high level care close to home.  The Children’s Infusion Services (CIS) department at Renown Children’s Hospital is committed to bringing the gift of quality care to our community’s youngest patients. Whether they are caring for a child with a blood disorder or giving expert infusion care for a child battling cancer, no team does what they do better than these expert nurses, medical assistants, intake coordinators and physicians.  ‘Tis the Season to Bring Hope As the only pediatric oncology and hematology program in the region, the CIS department has a lot of responsibility on their shoulders. From inpatient chemotherapy to outpatient infusion services, this team treats a long list of pediatric blood conditions including:  Pediatric cancers Anemias Immune-mediated blood disorders Sickle-cell disease Bone marrow failure syndromes Bleeding disorders  “Our team provides a large variety of services from labs draws, sedations for procedures, infusions for diagnoses such as Crohn's disease, blood transfusions, as well as chemotherapy,” said Jen Torres, RN.  “Our team works extremely well together. We try to go above and beyond for our patients every day. It may be something as simple as a hug to comfort a parent or a special birthday gift for a patient.”  “My job allows me to work with several departments and providers when coordinating care for our littlest of patients,” added Jane Strawn, Intake Coordinator. “I assure proper authorizations are in place for the care that is needed, I communicate with our families when scheduling appointments, I organize End of Treatment Celebrations, as well as birthday shout outs and work closely with our Child Life team to help make the challenging appointment little easier.”  To best serve their patients, the team thrives on being expert multitaskers. Central line care, chemotherapy administration, blood transfusions, medication management, preventative injections, lab draws, lumbar punctures, biopsies, imaging – you name it, they do it. And they do it all with the utmost focus on safety and support.  “Our days have a lot of variation, as we perform a number of different services,” said Meagan Bertotti, RN. “We provide infusions for patients with chronic or acute medical conditions and chemotherapy/biotherapy treatment to patients undergoing cancer treatments. Overall, though, we work as a team to make these difficult procedures and treatments as easy as possible for the patients and families by providing engagement and support.”  “While we handle a lot of chemotherapy treatments for pediatric patients, we also do other infusions and transfusions as well such as blood and platelet transfusions, enzyme replacement therapies, different types of injections such as Rabies vaccine or Synagis for high-risk babies who need that extra protection during the RSV season, and lab draws,” said Chelsea Angues, RN. “We care for patients that get their therapies from outside hospitals, but the patient lives within the Reno area. We receive orders from those outside hospitals to care for those patients, so they can still be with their families and not have to travel.”  As members of the Children’s Oncology Group, a highly-regarded clinical trials group where over 90% of pediatric cancer patients across the U.S. receive treatment, teams like CIS in Renown Children’s Hospital deliver the highest standard of care. This partnership is a true testament to the devoted collaboration and relationship-building this team commits to on behalf of their patients every day.  "One of the biggest accomplishments of our team is the fact that we became a member of the Children’s Oncology Group, and the Children's Infusion Center and Pediatric Oncology became one unit,” said Shelby Nolte. "Instead of being a clinic on one side and an infusion center on the other, we really came together to make it a whole unit that collaborates on almost everything.”  “We've put much time into trying to understand other departments, their flow, their rationales and their processes so we can come to a solution that benefits our patients the greatest,” added Tiffany Macie, RN. “We've taken the last few years to really build our relationships with our pharmacy staff, our lab staff and our central supply resources. Our relationship building extends beyond the walls of the Renown building as well and out to the community providers too. In the past few years, we've been able to build relationships with the providers in the community where they trust they can send us their patients for treatment and lab draws. Finally, we've spent much time working on the relationships as a team. It's emotional work we do on our unit, and these families become our family. It's important to us that we take the time to be together outside of our shifts to enjoy one another and laugh!”  In the compassionate realm of pediatric healthcare, CIS knows that the complexities of a cancer or blood disorder diagnosis can take an emotional toll on their patients and families. The team firmly believes that emotional support can be as important as the physical and medical support throughout each patient’s unique care journey, striving to be a comforting presence during daunting times.  “The most important part of my day is collaborating with the Children's Infusion team to make life manageable for the families that are going through this experience,” added Shelby Nolte, Senior Medical Assistant. “We work as a team to make life easier for the blow of a cancer diagnosis.  We are there for our families in every way.  If they need a shoulder to cry on, an ear to listen or just someone to play cards with or tell a funny story too, we are there.”  “One of the things our team does extremely well to help our patients and their families with new diagnoses is to simply meet them where they are,” said Tiffany Macie. “That looks different for every family and every patient. We work in an environment where can build relationships with our patients and their families. This allows us the unique opportunity to really get to know them. We learn their fears, their joys, their worries, what their family lives are like, and we learn how to best meet them where they are.”  Transcending the conventional boundaries of care, the CIS department closely supports each patient, offering them solace tailored to the unique fabric of each family's life.

    Read More About Department Spotlight: Children’s Infusion Services

    • Renown Health
    • Seguro médico y cobertura

    Explicación de los términos del seguro médico: Planes HMO, EPO y PPO

    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

    • Seguro médico y cobertura

    Explicación de los términos del seguro médico: Deducible y máximo de gastos de bolsillo

    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

    • Seguro médico y cobertura

    Copagos frente a coseguro: Conozca la diferencia

    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

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