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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

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

As an avid soccer player, Sarah saw her fair share of doctors growing up. However, it wasn’t until she was diagnosed with celiac disease, an autoimmune disease affecting how the body ingests gluten, that she became passionate about healthcare. “I couldn’t figure out what was going on,” Sarah said. “I was getting sick, and my symptoms were getting worse.” Thankfully, after seeing a handful of doctors, she was on the path to recovery.  “I remember being so relieved, and still am! Now I can focus on getting better,” said Sarah. The most important change people make after being diagnosed with celiac disease is the shift to a gluten-free diet. For many, Sarah included, living gluten-free is a lifestyle change. Thankfully, Sarah sees significant improvements in her health after adjusting her diet. “No one should just accept their symptoms as part of life,” said Sarah. Her increased awareness of health and nutrition motivated Sarah to study biology at the University of Nevada, Reno (UNR). “I want to be a pediatrician so I can help patients, especially kids, figure out treatment plans.” said Sarah who credits her experience living with celiac disease as her inspiration. Dancing for Kids’ Health Currently a senior at UNR, Sarah is a member of Phi Delta Epsilon, a co-ed international medical fraternity. Together with her classmates, she is bringing new energy and ideas to philanthropy. Sarah and the members of Phi Delta Epsilon are doing things differently and in many ways redefining what it means to give. This year, they are on a mission to raise funds for kids’ health at Renown Children’s Hospital. And they are doing this by dancing. The UNR Dance Marathon is part of the Miracle Network Dance Marathon, a student-led, year-round philanthropic movement that unites students across the United States and Canada. Collectively, they raise critical funds for Children's Miracle Network Hospitals. And Renown Children’s Hospital is our northern Nevada CMN partner hospital. Since 1991, over 400 college campuses and thousands of students have raised $300 million for kids. Sarah is the executive director of UNR’s chapter. “So far this year we’ve already raised $10,000 for Renown," said Sarah. Most of the fundraising happens on the day of the dance marathon. But throughout the school year, students hold mini fundraisers on campus and in the community. One hundred percent of the funds raised stay local, impacting Renown’s youngest patients. For every dollar donated, 18% helps provide charitable care, 15% goes to life-saving equipment, 12% supports medical research and 55% provides education, patient services and advancement services. “It's inspiring that we banded together to help kids in our community,” said Sarah. Last year they raised over $18,000. They are hoping to exceed that number at this year’s dance marathon in April.

Read More About Why I Give: Sarah’s Story

When finding a provider to receive your health services, you've probably heard the terms "in-network" and "out-of-network" when it comes to your health plan. But what do these terms mean for a patient? And why should you be aware if a provider is out-of-network? What does it mean when a provider is "in-network" with a health plan? A provider is a person or facility that provides healthcare. When a provider is in-network it means there is a contractual agreement with that health plan regarding the rates for services. The provider will accept negotiated rates for services from the insurance. This means a patient will typically pay less for medical services received and is less likely to receive surprise bills. What does it mean when a provider is "out-of-network" with a health plan? Providers that are out-of-network are those that do not participate in that health plan's network. The provider is not contracted with the health insurance plan to accepted negotiated rates. This mean that patients will typically pay more or the full amount for the service they receive. Why should patients see in-network providers? Seeing an in-network provider for medical services can significantly reduce your medical expenses. Remember that in-network providers have a contractual agreement for negotiated rates with the health plan, so they cannot charge you more than that negotiated rate for a service. Seeing an in-network provider will always ensure any costs you do incur (copays or co-insurance) are applied to your health plan's deductible and out-of-pocket maximum (out-of-network costs don't apply to these amounts). To find the amounts you will pay for specific services, you can check your health insurance plan's Summary of Benefits. What is the best way to find which providers are in-network with a patient's health plan? Most health insurance companies offer multiple ways to find if a provider is in-network. To find the most accurate benefit information from your health plan, you can: Call their Customer Service department Check their website for their online provider directories If offered, check your online member portal.

Read More About Understanding "In-Network" and "Out-of-Network" Providers

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 require you to select a primary care physician (PCP) and usually require 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 means “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 and typically do not have the out-of-network benefits of PPO plans. Generally, EPO plans cost more than an HMO, but less than a PPO. 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 travel often and 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.   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

According to the Centers for Disease Control and Prevention (CDC), one out of four adults aged 65 or older, fall each year. But less than half of those who fall talk to their healthcare provider about it. What’s more, among older adults, falls are the leading cause of both fatal and nonfatal injuries. Senior Care Plus, a Medicare Advantage Plan by Hometown Health, and Renown Health Nurse Educator, Nicholas Mannering, worked together to provide a list with simple tips to help you prevent falls.  1. Exercise Exercise strengthens both your muscles and bones and improves balance which is a key factor to preventing falls. The stronger you are, the less likely you are to fall. And, if you do fall, you are less likely to be injured.   2. Vision Check Vision is an import part of fall prevention, have your eyes check by an eye doctor at least once a year. Update your vision prescription and replace your eyeglasses as needed.   3. Install Safety Equipment in Your Bathroom Installing grab bars in your home bathroom provides a way for you to help yourself in and out of challenging situations. It also provides support if you suddenly feel week or unstable. Having a grab bar to lean on or hold onto when you feel yourself falling or slipping can help prevent falls. Rubber mats eliminate slick surfaces that increase your risk of falling.   4. Helpful Items in Your Bedroom A light within reaching distance is an important item to have in your bedroom. One reason adults fall is because they wander through a dark room, often to get to the bathroom at night, and can’t see where they are walking. Having a light within reach that is quick and easy to turn on before walking around a room can make it safer and decrease your risk of falling. Having a bedroom that is organized and furnished in a way that is easy to navigate is also important. If your bedroom is cluttered and hard to walk around without tripping or running into things, it might be worth reorganizing the area to define a clear walking path.   5. Helpful Items in Your Living Room Similar to your bedroom, your living room should have a light that is easily accessible. Sofas with armrests are helpful for support when getting up and sitting down. Avoiding clutter in your walkways, rugs that are not secured down and unstable furniture are important to consider when preventing falls.   6. Actions to Avoid in Your Home There are other ways to fall besides slipping or tripping while walking. Never stand on chairs, boxes or other unstable items in your home. Walkways should be tidy and free of objects that you could trip on. Spills should be cleaned up right away to prevent slipping.   7. Wear Appropriate Footwear Wearing shoes with non-slip soles and closed toes can help prevent you from falling.  Having shoes that fit properly, are made from hard rubber (like tennis shoes) and provide good support help prevent tripping and falling. Shoes with a collar that support the ankle and a well-padded tongue for the top of your foot can also help prevent injury to your feet.   8. Review Your Health & Medications at your Annual Health Check-Up It is important to review your health and medications with your healthcare provider so they can assess if you are at risk for falls. You should discuss your vision, heart health and blood pressure at your annual health check-up. These things can play a role in the risk of falling. Reviewing your current medications is also important. If medications are making you dizzy, talk to your provider about adjusting the dosage so you can feel more stable and balanced. When talking to your doctor about medications be sure to include your vitamins and supplements. Finally, Have your healthcare provider check your feet and discuss proper footwear yearly.   9. Avoid Smoking and Alcohol Balance is important in preventing falls. Alcohol consumption negatively affects balance and increases your risk for falls and fractures. It also increases your risk for cancer, liver damage, osteoporosis, high blood pressure and strokes. Smoking is connected to frailty in older adults. It prevents the development of muscle tissue and breaks down healthy muscle tissue due to the lack of oxygen in your body.

Read More About Your 9-Step Guide to Prevent Falls

Renown Health Foundation and local community members raised over $1,000,000 at a charity concert with The Beach Boys and special guest NFL legend Steve Young, on Sunday, June 5, at Montreux Golf and Country Club. The event benefits the construction of Sophie’s Place, a new dedicated music therapy room coming to Renown Children’s Hospital. Over 500 donors attended the inaugural event hosted by radio personality Wink Martindale. The Beach Boys front man Mike Love, a Nevada resident, generously auctioned off two once-in-a-lifetime, private concerts bringing in $300,000. Steve Young auctioned off a Monday Night Football package and ZLINE Kitchen and Bath auctioned off a kitchen remodel. The proceeds raised will be transformative for Sophie’s Place and will impact children in our community for years to come. “I’m thankful to Renown and other children’s hospitals that are dedicating space, precious space, for Sophie’s Place,” says Steve Young, founder of Forever Young Foundation and co-founder of Sophie’s Place. View photos from the event here.   What is Sophie’s Place? Sophie’s Place is a dedicated music therapy room in children’s hospitals across the country. Founded by the Forever Young Foundation and former San Francisco 49'ers quarterback, Steve Young, they provide a comprehensive music and healing arts program. Established in loving memory of musician Sophie Barton, the first Sophie’s Place opened in 2013 at Primary Children’s Hospital in Salt Lake City, Utah. Additional locations include Sutter Children’s Center in Sacramento, CA., Cardon Children’s Medical Center in Mesa, AZ., Lucille Packard Children’s Hospital in Palo Alto, CA., and Brenner Children's Hospital in Winston-Salem, NC. Renown Children’s Hospital will be the next location to break ground and will provide our youngest patients with a state-of-the-art music room. It will be the first of its kind in our community. “Sophie’s Place is a wonderful addition to what a hospital has to offer,” says Dr. Max Coppes, Pediatrics Chair, UNRSOM. Where will Sophie’s Place be Located? Sophie’s Place at Renown Children’s Hospital will be located on the ground floor of the Sierra Tower, next to The John & Sue Dermody Children’s Healing Garden. The family-centered space is designed for children to enjoy the healing aspects of music and encourage creativity and expression during their stay. “We really wanted kids to feel like they’re not in the hospital. It’s a place where they can escape,” says Barb Young, Founder of Forever Young Foundation and Co-founder of Sophie’s Place. The room includes a performance space, recording studio, musical instruments, editing software and an art and play area. “When you walk into a Sophie’s Place, you really feel like you’ve left the hospital and walked into a cool coffee shop,” says Sterling Tanner, President, Executive Director, Forever Young Foundation. How You Can Help Make a Difference Renown Health is focused on being the destination for all your family’s health and healthcare needs. As a not-for-profit health system, Renown relies heavily on community funding. If you are interested in supporting Sophie’s Place at Renown Children’s Hospital, please consider giving to Renown Health Foundation. Make a gift at renown.org/give Call Renown Health Foundation at 775-982-5545 Mail a check to Renown Health Foundation, 1155 Mill St., 02, Reno, NV 89502

Read More About Renown Health Foundation Shines Bright

Giving back to the community is important to Rebecca Dickson. For over 35 years, she’s been unwavering in her support of Renown Health and Reno’s non-profit community. Hearing that she’s made a difference in someone’s life feels good. But for Rebecca, the greater reward is something more personal. “Giving back is a way of life,” Rebecca said, “that’s what you do.” Inspired by her parents, the act of generosity was instilled in her from a young age. Growing up, Rebecca remembers her mother’s thoughtful generosity with others. It was her mother, Fianna Dickson Combs, who inspired and helped plan Fianna’s Healing Garden in the heart of the Renown Regional Medical Center campus. The garden is Fianna’s legacy and gift to those in need of comforting, healing and quiet contemplation. Walking through the garden, Rebecca points out the fountain. She talks about choosing it for its calming sound. Birds chirp on the trees overhead. The space is beautiful; it’s tranquil and comforting. Fianna’s Healing Garden was completed in 2009. In 2020, to celebrate the tenth anniversary of the garden, Rebecca and her uncle, Harvey Fennell, led an expansion project to grow the space. Inside the garden, there are pathways, benches, sculptures, fountains and over 2,000 plants and trees. Roses are life “The rose garden is special,” said Rebecca. It was carefully curated in honor of Fianna and her sisters to create a peaceful space for reflection. There are 21 roses of differing sizes and colors. “The roses should be experiential. The fragrance, the colors; they are life with good days and bad. Fianna was a master gardener and felt that gardens tend to the mind, body and soul,” says Rebecca. Honoring Fianna’s Legacy Throughout the hottest days of summer, Rebecca and her partner, David Geddes, visit the garden. They maintain the roses, removing damaged branches and pruning them. “It’s not work,” says Rebecca, “it’s a joyful opportunity that makes us feel good.” Being in the garden reminds Rebecca of her mother and the need for healing gardens in healthcare. When her mother was in the hospital, her doctor encouraged her to get outside and into nature. At the time, Renown didn’t have an outdoor garden space. From then on, it was Fianna’s mission to create a healing garden for patients, caregivers and visitors. Nature reduces stress and anxiety. It also provides comfort and distraction. Healing gardens offer spiritual and healing benefits, and they’ve been proven to improve health outcomes. Before Fianna passed, her plans for at healing garden at Renown were already underway. Making an Impact Rebecca is a lifelong philanthropist. She serves on countless boards, volunteering her time to give back to the community. She currently sits on Renown Health Foundation’s Board. Through her volunteer work, Rebecca not only gets to experience the joy of helping others first-hand, but she also gets an inside view of how non-profits operate and what they need most. That information helps her decide how to direct her support in the most impactful way. Rebecca receives cards and phone calls thanking her for Fianna’s Healing Garden and the comfort it provides. But Rebecca insists that she’s not to thank. Rebecca remembers every person who has supported the garden. Fianna’s Healing Garden is donor-funded, and would not be possible without the support of the community, her uncle, Harvey Fennell, Fianna’s closest friends, Renown physicians and employees, Renown Health Foundation and countless community foundations and local donors. She says, “The garden is a collaborative project. It takes a village to build and maintain, but it’s worth it!” From all of us at Renown, thank you, Rebecca, for your inspiration and dedication to Renown! Fianna’s Healing Garden is located at Renown Regional Medical Center and is open for all to experience the healing power of nature. Click here to take a virtual tour of the garden. Renown Health Foundation’s Why I Give series recognizes donors, volunteers, corporations, foundations and others who provide philanthropic support to Renown. We are fortunate to have generous donors whose funding helps support and expand our efforts to meet the growing needs of the communities we serve. To learn more about how you can support Renown, please email foundation@renown.org or call 775-982-5545.

Read More About Why I Give: Rebecca's Story