Episode 2: Wait… What Kind of Insurance Do I Have? 

Health insurance can feel like a completely different language. HMO? PPO? EPO? POS? Deductible? Coinsurance? Out-of-pocket maximum? And what’s the actual difference between Medicare and Medicaid? 

In this episode of American Healthcare Denied, Bev and Hanna break down the confusing world of health insurance in simple, everyday language. 

We’ll explain: 

🩺 The difference between HMO, PPO, EPO, and POS plans 

💳 Premiums, deductibles, copays, coinsurance, and out-of-pocket maximums 

🏥 Why insurance networks matter—and what “in-network” really means 

📋 What high-deductible health plans are and how HSAs fit in 

👵 The basics of Original Medicare vs. Medicare Advantage 

💙 How Medicaid works and why it can vary by state 

🏢 The difference between employer-sponsored and self-funded insurance plans 

💰 Why having insurance doesn’t always mean your healthcare will be affordable 

Most importantly, we talk about how the type of insurance you have can affect which doctors you can see, which hospitals you can use, what services require approval, and how much you may ultimately have to pay. 

Because when it comes to healthcare, “I have insurance” is only the beginning of the conversation. 

🎙️ American Healthcare Denied — breaking down the healthcare system one confusing insurance term at a time.

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Episode 1: How the American Healthcare System Actually Works

Healthcare in America can feel confusing, expensive, and impossible to navigate.

In our first episode of American Healthcare Denied, we’re breaking down how the American healthcare system actually works in plain English, without the confusing jargon.

This is just the beginning. Each week, we’ll tackle a new healthcare topic and make it easier to understand.

Healthcare shouldn’t be this confusing. Let’s figure it out together.

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