Video library

Everything you need for open enrollment, in plain language.

Short videos grouped into courses. The interactive key-terms panel runs on every one.

Insurance basics

The five numbers on every plan, and what they actually cost you.

3:14🔒

Chapter 1

Premiums explained

The monthly cost of keeping your plan active — and why a low premium isn't always cheaper.

3:48Sample

Chapter 2

Understanding your deductible

What a deductible is, how it resets each year, and how it works alongside your premium, copays, and out-of-pocket max.

3:25🔒

Chapter 3

Your out-of-pocket maximum

The safety net that caps what you can pay in a year — and what counts toward it.

Choosing a plan

HMO vs PPO, networks, and matching a plan to how you use care.

4:22🔒

Chapter 1

HMO vs PPO

How the two most common plan types differ on referrals, networks, and cost.

3:37🔒

Chapter 2

In-network vs out-of-network

Why staying in-network matters and what balance billing means for you.

Using your coverage

Claims, EOBs, appeals, and what to do when a bill looks wrong.

4:01🔒

Chapter 1

Reading your EOB

An Explanation of Benefits is not a bill — here's how to read one line by line.