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Northern Nevada's stunning lakes, including Lake Tahoe, with its average summer water temperature of 50 degrees, present a potential risk of hypothermia. Unlike mild 50-degree air, water at the same temperature poses severe, life-threatening risks, including rapid-onset hypothermia and drowning. Awareness of the symptoms and taking proper precautions are crucial to prevent cold-water drowning. The 4 Phases of Cold-Water Drowning 1. Cold Shock Response: This response affects breathing and happens within the first minute. An automatic gasp reflex occurs in response to rapid skin cooling. If the head goes below water, water may be breathed into the lungs, resulting in drowning. A life jacket will help keep your head above water during this critical phase. Additionally, hyperventilation, like the gasp reflex, is a response to the cold and will subside. Panic will make this worse, so the key is to control breathing. 2. Cold Incapacitation: This response occurs within the first five to 15 minutes in cold water. In order to preserve core heat, vasoconstriction takes place decreasing blood flow to the extremities to protect the vital organs. The result is a loss of movement to hands, feet, arms and legs. Unless a life jacket is being worn, the ability to stay afloat is next to impossible. 3. Hypothermia: Important to note, it can take 30 minutes or more for most adults to become hypothermic. So there’s time to take action and survive. Keeping panic at bay is critical, as you have more survival time than you think. Symptoms include: Shivering Slow and shallow breathing Confusion Drowsiness or exhaustion Slurred speech Loss of coordination Weak pulse 4. Circum-rescue Collapse: This experience can happen just before rescue and is not well understood. Symptoms range anywhere from fainting to death. Some experts believe an abrupt drop in blood pressure may cause this final stage of cold water drowning, post-rescue. Additional Safety Tips and Helpful Resources Always wear a personal flotation device as well as a wetsuit or drysuit. Your personal flotation device is the most important piece of water safety gear. Try not to panic as the first phases will subside. Controlled breathing is to staying calm. Research suggests the body can withstand the cold longer than we think. The Heat Escape Lessening Posture (HELP) is a position which helps conserve energy if you’re wearing a personal flotation device. By hugging your knees to your chest, this posture helps maintain body heat for some time.

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Whether you're a parent, grandparent, caregiver, or sibling, it's vital to recognize that drowning is the second leading cause of death among children," states Dr. Leland Sullivan, MD, of Northern Nevada Emergency Physicians. "While we diligently work to protect children from water-related accidents, there's a lesser-known threat that often goes unnoticed—dry drowning, also known as delayed drowning. Surprisingly, many people remain unaware of its existence and potential dangers. Dry drowning defined Dry drowning is a side-effect of a near-drowning experience and includes spasms of the vocal cords and larynx — known as a laryngospasm. This occurs when the body attempts to shut down the passage of any liquid into the lungs. Unfortunately, it can also shut down the passage of air into the lungs and force fluid into the stomach and lungs. Often the condition is not discovered until it's too late — severe cases can cause death within one to 24 hours after a water incident occurs. Who is susceptible? Novice or first-time swimmers are at increased risk, as are children with asthma and known breathing issues. In addition, children who have had pneumonia or experienced acute respiratory distress syndrome are also at greater risk. To reduce these factors, caregivers should be exceptionally watchful of inexperienced swimmers. According to Dr. Sullivan, children under the age of 5 are most susceptible to drowning and often drown in residential swimming pools. Infants less than 1-year-old most often drown in bathtubs. What are the signs of a dry drowning episode? If your child has a near-drowning incident, a few moments of coughing until they calm down is normal. However, you should know the more severe signs and symptoms to watch for during the 24 hours following the incident, including: Persistent coughing Difficulty breathing and/or shortness of breath Chest pains Extreme fatigue and/or lethargy Change in typical behavior Face becomes pale   What is the treatment and prognosis for dry drowning? Dr. Sullivan recommends that all victims of near-drowning incidents seek medical attention, even if they have no symptoms. If caught early, dry drowning can be treated. If you think your child is experiencing a dry drowning episode, go to the nearest emergency room as quickly as possible — do not attempt treatment at home. Healthcare professionals will work to supply oxygen to your child's lungs to restore and regulate breathing.

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Renown Health is home to three 24/7 Emergency Rooms (ERs) providing comprehensive emergency and trauma care, access to specialists and inpatient services backed by the area's most extensive health system. In 2023, Renown Health cared for 132,340 patients across three ER locations. Renown is also home to the region’s only level II trauma centers for both adult and pediatric patients.   We spoke to three patients who sought immediate medical attention for various ailments and conditions to learn more about their emergency care experience and why they chose Renown ERs.   Kamrin’s Story: From Worrisome to Critical  In the spring of 2021, Danielle and her 13-year-old son Kamrin visited his primary care doctor for unexplained vomiting and were promptly referred to Renown Children's ER via ambulance for further evaluation and seen by board-certified emergency physician, Dr. Lisa Nelson. What initially began as an unassuming doctor's visit quickly turned into something much more severe after several tests confirmed a devastating abdominal tumor and a stage-four cancer diagnosis, unbeknownst to the family.  Kamrin was immediately admitted to the Pediatric Intensive Care Unit (PICU) and referred to a Pediatric Oncologist at Renown Children’s Hospital to begin his plan of care with expert pediatric hematology and oncology specialists.  Regarding the board-certified physician, who delivered the results to the family, Danielle said, “She was so calming to us, even as the diagnosis haunted us. She led us by guiding our family through the unknowns. She felt like a family member to us in that moment, letting all the unknowns be well known.”  “The love, empathy, support and guidance these employees gave us carried us. The care team quickly and easily became a source of relief, knowing we were their priority and in the best hands. We are forever grateful for the team at Renown Children's Hospital and Renown Children’s ER; they truly saved our son's life and continue to be our guiding light whenever it's needed in our son’s health journey,” Danielle said.   Today, Kamrin is in remission and navigating the aftereffects of chemotherapy, including an immune system deficiency. However, his family chooses to navigate each day by embracing the positive side of things, such as the life-saving impact of his treatment.  Did you know? Renown Children's Pediatric Hematology and Oncology is located within Renown Regional Medical Center and offers expert pediatric specialists dedicated to providing comprehensive treatment for pediatric hematology and oncology, including chemotherapy, radiation therapy and infusion services.  Taylor’s Story: From Crisis to Recovery  Promptly after cosmetic surgery performed by a medical professional not associated with Renown, Taylor Salas (Chacon) began to lose consciousness and notice her post-surgery drainage systems, also known as Jackson-Pratt drains, fill with blood. She was transported to Renown Regional ER via ambulance and immediately seen by ER staff and board-certified emergency physician Thea Berning, MD, for medical assessment.   Taylor drifted in and out of consciousness as the ER team began blood transfusions and a CT scan to determine her plan of care. Dr. Berning began facilitating communication with a community plastic surgeon with privileges at Renown Health and emergency surgery was performed to stop Taylor’s internal bleeding. Taylor was placed on a ventilator due to respiratory distress and trauma from the event, then transferred to Renown’s Intensive Care Unit (ICU) to continue her care.  Thankfully, Taylor listened to her gut when something didn’t feel right after her surgery and sought immediate medical attention. The ER team's quick response, communication and collaboration with a plastic surgeon saved Taylor from severe internal bleeding. “I was informed every step of the way about what was happening and why. I felt comfort in this,” she said.   Did you know? Because of Renown Regional Medical Center’s Level II Trauma Center distinction, you have immediate access to an extensive list of specialists and physicians trained in a wide array of specialties, in the event of a traumatic injury or accident. This is one of the many benefits of Renown Regional’s Level II Trauma status.  Ted’s Story: The Unsuspected Threat   Bothered by symptoms of heartburn, fatigue, neck pressure and arm discomfort, Ted was in the middle of a busy workweek in June 2023 when he began to suspect something was wrong. Knowing the importance of addressing early heart attack symptoms immediately, Ted and his wife headed to Renown Regional ER because of proximity and some familiarity with Renown’s leading cardiology care and technological expertise. After prompt assessment by the Renown ER team, including blood work, imaging tests and the administration of medication, Ted was admitted to the hospital to treat the blockage and narrowing of his coronary artery. On June 8, Ted was admitted for treatment, where he successfully underwent a single bypass surgery and recovered in the Cardiac Intensive Care Unit (CICU), before being discharged and following up with the Intensive Cardiac Rehab (ICR) program at Renown. The ICR program at Renown played a pivotal role in Ted's 55-pound weight loss and overall health improvement, empowering him to embrace a healthier lifestyle and find ways to use his newfound energy and strength today. “Overall, I believe I had the best care possible because of the collective group of people at Renown caring for this community, who we could see in the grocery store, at the ball game and in the shopping malls. This community feeling is something you might not get in a big city hospital,” Ted said. Did you know? Intensive Cardiac Rehab at Renown Health is a medically supervised program designed to improve cardiovascular health after a significant heart condition or procedure. Since its inception in 2016, this program has been a pioneer in the region for cardiac rehabilitation focusing on three key pillars including exercise, nutrition and stress management.

Read More About When Care Can’t Wait: True Stories of Renown ER

When a sudden illness or injury occurs, the emergency room (ER) provides immediate medical attention to those in need. Understanding the top reasons for visiting the ER can help people make informed decisions about seeking emergency care. Here are the five most common reasons people in Nevada visited an ER in 2023. 1. Abdominal pain  One of the top reasons people visit the ER is abdominal pain. The abdomen has many organs, including the stomach, liver, small and large intestines, gallbladder and pancreas. Significant pain in this area can be a cause of concern.  Warning signs of a serious problem include abdominal pain with fever, vomiting, and not being able to move or perform everyday tasks due to pain. Seeking medical attention when experiencing these symptoms is essential. Emergency physicians can perform abdominal exams, assess the condition and rule out significant threats.    2. Fever  High fevers that do not get better with medicine and are accompanied by other symptoms can cause concern. This can indicate that the body is fighting off an infection or illness.  Fever with symptoms like vomiting, pain, altered mental status, shortness of breath or inability to perform daily functions are warning signs to watch out for. Adults and children should visit an ER, where the team can assess the causes of the fever.   3. Chest pain and shortness of breath  Chest pain and discomfort, or pain in the upper body can suggest warning signs of a heart attack. If a person is experiencing signs of a heart attack, call 911 immediately to ensure timely treatment or assessment by a medical professional. Heart attack symptoms include:  Chest pain, including pain that can be described as chest pressure, heaviness or squeezing   Discomfort in the chest, arms, back, neck, shoulders and jaw  Difficulty breathing   Sweating with any of the above symptoms   When visiting a Renown ER for chest pain, a trained medical professional will promptly perform an Electrocardiogram (EKG) in an area where preliminary assessments, also known as triage, take place. Individuals experiencing shortness of breath or trouble breathing, whether from a respiratory infection, asthma complications or other pre-existing conditions should not ignore symptoms as these can signify more serious issues.  Warning signs of respiratory distress may include:  A significant change in breathing rate A significant change in the amount of energy used to inhale or exhale when breathing Changing of the skin color to blue, gray or paleness, which can indicate a lack of oxygen Nasal flaring  Chest retractions, which can suggest difficulty bringing air into the lungs What this looks like: the chest sinking in just below the neck, breastbone or rib cage while breathing 4. Neurological symptoms  Sudden and severe headaches or seizures may prompt individuals to visit the ER if symptoms are extremely disorientating or debilitating. These symptoms could be indicative of various conditions, including strokes or neurological disorders that require prompt evaluation.  If a person is experiencing signs of stroke, call 911 immediately to ensure timely treatment.  Stroke symptoms include:  Numbness, weakness or loss of movement in the face, leg or arm, especially on one side Confusion, including trouble speaking or understanding Trouble with vision or loss of balance  When choosing emergency care for signs and symptoms of stroke, a Comprehensive Stroke Center can provide patients with immediate intervention, including evaluation, treatment and education. 5. Cough/flu-like symptoms  Emergency departments are staffed by medical professionals trained to prioritize and treat emergency and trauma situations. Receiving care at an ER should be reserved for severe symptoms and life-threatening conditions. It’s best to schedule a visit with a primary care physician for mild cold and flu symptoms. Most urgent care locations are equipped with rapid testing options, including RSV, COVID-19, influenza, mononucleosis, urinary issues and strep throat. It is critical to distinguish between common respiratory infections and more severe cases, such as pneumonia or complications from the flu.   Symptoms that may warrant a visit to the ER include:  Rapid decline in the ability to perform regular daily activities  Coughing or throwing up blood  Severe dehydration and inability to drink fluids High fever not responsive to medication  Understanding top ER visits in Nevada  While these ER complaints are common reasons for emergency room visits in Nevada, it's important to remember that emergency care is available for all immediate medical needs. Do not hesitate to seek help at an emergency room if someone experiences a sudden or severe health concern. Quick and appropriate action can make a significant difference in keeping you and your loved ones healthy.  Renown Health is the largest locally governed, not-for-profit healthcare network in northern Nevada, providing leading emergency and trauma care by board-certified emergency physicians 24/7 at three locations, including the region’s only pediatric emergency department. Renown Health emergency rooms prioritize swift assessments, advanced diagnostic tools and compassionate care, providing leading emergency and trauma care. Trust Renown ER for not just emergency care but exceptional care. Learn more at renown.org/ER.

Read More About Know when to visit an ER: Top 5 concerns

Obstetrician-gynecologists (OBGYNs) see patients from menses (the monthly menstrual cycle that occurs as a part of the female reproductive system), pregnancy and childbirth through menopause and play a pivotal role in managing reproductive health and overall wellness. Dr. James Alexander with Renown Women's Health explains. "As experts in women's health, we are uniquely positioned to recognize subtle changes or symptoms that might indicate broader health issues. This comprehensive approach allows us to serve as a valuable first touchpoint for various health concerns." Preventive Screenings: A Proactive Approach One key aspect is an OBGYN's ability to recommend preventive screenings based on your symptoms, age, lifestyle and medical history. For instance, lipid screenings are critical for monitoring cholesterol levels, which can be a significant factor in women’s heart disease. An OBGYN keeps up with the current guidelines for routine screening as well as in women with risk factors such as high blood pressure, diabetes, or a family history of heart disease during your visit. By identifying risks and abnormal screening early, they can collaborate with you to implement lifestyle changes or treatments to reduce your risk of heart conditions. Schedule Your Screening Appointment Make an Appointment by Phone: 775-982-5000

Read More About The Expanded Role of OBGYNs in Women's Healthcare

If you or someone you know is experiencing a medical emergency, it's essential to seek immediate attention by calling 9-1-1 or visiting the ER for a thorough evaluation by a trained medical professional and timely intervention. Access to a convenient and trusted emergency room (ER) is critical to any person’s healthcare needs, including medical emergencies related to women’s health. We explored some common scenarios and warning signs prompting women to seek immediate medical attention with Aiden Gould, Board-Certified Emergency Physician at Renown Health. When your medical emergency can’t wait, Renown ER is here to provide you with the region’s leading emergency care to diagnose and treat your condition or illness.  Understanding Common Reasons Women Visit the Emergency Room Gynecological Emergencies: One of the most common reasons women may seek emergency care is due to gynecological emergencies such as severe pelvic pain, abnormal bleeding or complications related to pregnancy. These issues can be alarming and warrant immediate medical attention if the issue persists or is out of the ordinary for you.  Emotional and Physical Well-Being: For those facing diverse medical or mental health emergencies, seeking prompt assistance is crucial for a thorough assessment and safe, timely intervention. Renown ER teams are equipped with trained professionals who provide compassionate care for individuals seeking help in the following situations: Suicide risk assessment and intervention Substance abuse assessment Assault and trauma care Crisis support and intervention Resources for ongoing care and well-being support Severe Abdominal Pain: Unexplained and severe abdominal pain that is substantially different than what is normal for you is a symptom you should never ignore as it can indicate underlying issues. Warning signs of an acute medical situation include fever, vomiting or a rapid change in motor function and inability to move due to pain. Respiratory Distress: Difficulty breathing, persistent coughing and other respiratory issues can be especially concerning. Women with pre-existing respiratory conditions like asthma or those experiencing sudden respiratory distress should seek immediate care from a medical professional. Warning signs of respiratory distress may include a significant change in one’s breathing rate, changing of the skin color to blue, gray or paleness due to lack of oxygen, nose flaring and chest retractions. Cardiovascular Emergencies: Heart-related issues are not exclusive to men. Women can also experience cardiovascular emergencies that often go undiagnosed because symptoms differ from men. Symptoms like chest pain, extreme fatigue, vomiting or pain in the abdomen, shortness of breath or palpitations should be evaluated by an emergency medical professional as timely intervention is critical in such cases. Renown leads the region in cardiology care with our technological expertise and patient-centered approach. Our comprehensive team diagnoses heart disease and other cardiac conditions, offering personalized treatment plans.  Neurological Symptoms: Sudden and severe headaches, seizures or other neurological symptoms may prompt women to visit the ER if symptoms are extremely disorientating or debilitating. These symptoms could be indicative of various conditions from mild to severe, including strokes or neurological disorders that require prompt evaluation.  Renown Regional Medical Center is a Comprehensive Stroke Center, providing primary stroke care including evaluation, treatment and education to patients who arrive at a Renown facility with the signs and symptoms of a stroke. Compassionate Care in Times of Need At Renown Health, we understand that your time is valuable, especially in emergency situations. That's why we strive to provide patients with exceptional care, compassion and respect. Plan ahead and make informed decisions about seeking medical care by viewing your estimated triage wait time at a Renown ER.

Read More About Most Common Reasons Women Visit the ER

While menstrual cycles can be an annoying inconvenience for many women, heavy bleeding (menorrhagia) is not normal and can disrupt your life. A few days of heavy flow at the start of your period is usually nothing to worry about. However, if you’re frequently experiencing very heavy periods, you should discuss it with your gynecologist or primary care provider.  Dr. Megan Fish, an OB-GYN with Renown Women’s Health, discusses various reasons, evaluation and treatment methods when it comes to heavy menstrual cycles.  What is classified as heavy menstrual bleeding?  The American College of Obstetricians and Gynecologists considers heavy bleeding to be any of the following signs: Bleeding that lasts more than 7 days. Bleeding that soaks through one or more tampons or pads every hour for several hours in a row. Needing to wear more than one pad at a time to control menstrual flow. Needing to change pads or tampons during the night. Menstrual flow with blood clots that are as big as a quarter or larger. What are the most common reasons for heavier periods?  A variety of reasons why someone might have heavy periods. Fortunately, most of these problems are treatable. Because each woman's period is unique, only a doctor can definitively determine the cause of your heavy periods. Some of the most common issues that cause heavy periods include: Hormone imbalances such as anovulation, thyroid disease and Polycystic Ovary Syndrome (PCOS). Structural abnormalities in your uterus such as polyps or fibroids.  Precancer and cancer such as uterine, cervical, vaginal, ovarian or endometrial hyperplasia.  Infections such as chlamydia, gonorrhea, endometritis or vaginitis. Other medical conditions such as liver disease, kidney disease or Pelvic Inflammatory Disease. Medications such as blood thinners and aspirin, hormone replacement therapy, Intrauterine devices (IUDs), birth control pills and injectables. Pregnancy-related problems such as a miscarriage or ectopic pregnancy.

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Breast cancer screening has long been a cornerstone of women's healthcare. With 1 in 8 women diagnosed with breast cancer in their lifetime1, the United States Preventive Services Task Force (USPSTF) has developed screening recommendations to help detect early-stage cancer. Notably in 2023, the USPSTF revised the recommended age for biennial mammogram screenings for women with average risk to start at age 40 instead of 502, estimated to result in 19% more lives being saved3 by starting screening earlier. While initiating screening at an earlier age offers advantages to a wide demographic, concerns about the potential of over-screening prompted research into the feasibility of identifying women with lower breast cancer risk who could safely delay mammograms. While guidelines address high-risk individuals, a notable gap exists in providing recommendations tailored to those at lower risk. To gain insight into a patient's risk level, physicians are able to utilize genetic testing to understand an individual's genetic makeup, providing precise insights into their predisposition to various health conditions, including breast cancer. Armed with this genetic information, healthcare providers could craft tailored screening strategies that align with an individual’s specific risk profile. This genetic risk-based approach underscores the value of genetics in individualizing the onset of screening to help avoid over-screening and its associated costs. Surprisingly, genetic information is not currently being widely utilized to identify women at risk of breast cancer or other diseases in clinical practice, despite its potential to make a significant positive impact for patients. A recent retrospective analysis of 25,591 women from the Healthy Nevada Project4 sheds light on the potential benefits of this genetic risk-based approach. The study classified 2,338 (9.1%) of these women as having a low genetic risk for breast cancer. What's remarkable is that these women exhibited a significantly lower and later onset of breast cancer compared to their average or high-risk counterparts. This finding suggests that it might be safe for low-risk women to delay mammogram screening by 5 to 10 years without compromising their health.

Read More About Optimizing Mammogram Screenings: A Genetic Approach to a Personalized Screening Schedule

Access to a trusted and efficient emergency room (ER) in times of unexpected medical emergencies is crucial. Renown Health’s emergency and trauma care is available at three ER locations, including the region’s only level II trauma center and ER designed for pediatric patients to provide you and your family with prompt, high-quality and specialized care by board-certified emergency physicians when you need it. Dr. John Hardwick, board-certified emergency physician at Renown Health, describes a guide to emergency care at Renown Health below. Timely and Compassionate Care: Renown ER is committed to delivering timely and compassionate care. Experienced medical professionals at Renown will communicate openly with you, involving you in the decision-making process and addressing any concerns you may have. Upon arrival, you can expect to be promptly assessed by a team of skilled medical professionals who will prioritize your needs based on the severity of your illness or condition. Click here to learn more about the emergency care process, from check-in to discharge. Expert Medical Team: With advanced technology and experienced specialists from Northern Nevada Emergency Physicians, all patients are in good hands for emergency care at Renown Health. Our pediatric and adult emergency physicians have completed fellowship training in specialty areas such as sports medicine, ultrasound and emergency medical services. Team members in the emergency department will ensure you are informed and as comfortable as possible during your visit to minimize any pain or discomfort you may feel. Efficient Triage Process: Renown ER utilizes an efficient triage process to prioritize patients based on the urgency of their medical condition. This ensures that those with more critical conditions receive immediate attention, while still providing timely care for others. Tests such as labs or diagnostic services will often be completed while you wait to see a physician to expedite the process. Comprehensive Diagnostic Services: The ERs at Renown offer comprehensive diagnostic services to quickly identify your symptoms. This may include X-rays, laboratory tests, CT scans and other imaging studies, helping emergency physicians make informed decisions about your treatment plan.   Specialty Care and Collaboration with the Renown Health Network: We offer the area's largest network of specialized providers and services to help ensure you receive industry-leading, personalized care during and after your emergency room visit. This collaboration means you’ll have access to more specialists and a wide range of expertise to continue your care without leaving the Renown Health network. State-of-the-Art Facilities: Renown Health invests in state-of-the-art facilities and equipment to ensure that patients receive the best possible care. Renown ERs are equipped with modern medical technology, allowing board-certified emergency physicians to diagnose and treat a wide range of medical conditions. Post-ER Visit Support and Resources: Your experience with Renown Health doesn't end when you leave the ER. Our team will address your questions and provide you with post-visit instructions, medications and follow-up recommendations to continue your care. With a commitment to timely and compassionate care and a team of expert healthcare professionals, you can trust Renown ER to provide the highest standard of emergency medical services when you need it most.

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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