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Thanks in part to the care provided by Renown’s award-winning team of ICU nurses, Tony Mowatt is alive, thriving and engaged. Read his story — and learn about the exclusive Beacon Award of Excellence — below.  The open road. The growl of the engine. The feeling of freedom. That’s what Oakland resident Tony Mowatt was enjoying as he drove up Highway 88 toward Reno for the semi-annual Street Vibrations event. But he wasn’t expecting to hit the diesel truck — or to fly off of his bike over 100 yards, skidding onto the side of the road. He was severely injured and in the midst of rural Nevada. He had crashed just outside Centerville, Nev., and was miles away from any critical care hospital. Having the only trauma center equipped to treat his serious injuries, Tony was flown to Renown Regional Medical Center and admitted to the intensive care unit (ICU).   ICU Nurses Treat Patient, Support Family  Tony’s girlfriend, Tasha Klubock, was notified by his friend that he had been taken to the hospital. She immediately drove from Oakland to Reno to see Tony at Renown. Her first night there was overwhelming and scary — nobody knew if Tony was going to survive. But the nurses helped Tasha cope with the initial shock. Caring for the patient isn’t their only job — they also care for the family. “They [the nurses] just kept coming in and checking on me,” she said. “Angela was so amazing that first night. I really just bonded to her, and I remember when the shift switched, I panicked thinking about who was coming on and wanting to meet the next nurse … But they all came to talk to me — I had updates from everybody. It was just amazing.” ICU Nurses Became Family Tony spent 32 days in Renown’s Sierra ICU, surviving a serious head injury, all with Tasha by his side. He and Tasha still stay in touch with Renown nurses. “Even though this was literally one of the most hideous, craziest things to go through,” Tasha said. “There was so much hope and they became such a family to me and I still think of that time fondly because of the nurses.” “I’m alive because they wanted me to be,” Tony said. And Tony and Tasha are now happily engaged and planning their wedding. Exceptional Care: Renown ICU Nurses Win Awards Renown’s ICU nurses provide care like this every day to countless patients — it’s so second nature to them that they forget how exceptional it truly is. But it’s certainly care like Tony’s that has earned them national recognition. The American Association of Critical Care Nurses awarded the Beacon Award of Excellence to the Sierra, Cardiac and Roseview ICUs. These are the only ICUs in Nevada to obtain this honor. The Beacon Award recognizes critical care nursing teams who exemplify excellence in areas like leadership, process systems, quality care, knowledge, learning and development, excellence in patient care and superior patient health outcomes. “I couldn’t have been more proud of what we’ve done to accomplish this,” said Nick Dovedot, Cardiac ICU nurse. “It represents who we are. Just a great group of individuals who all work together as a team to make our patients get better.”

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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