Understanding health insurance terms: KSAT Explains [Video]

SAN ANTONIO – As if picking a plan wasn’t tough enough, you first have to decipher a long list of terms when it comes to health insurance coverage.

The KSAT Explains Team put together a glossary to make that tedious task a little easier.

“Understanding coverage — it’s something else,” said Anel Trevino, program navigator for the Bexar County Health Collaborative.

The collaborative is a nonprofit organization focused on helping people meet critical needs, including housing, health insurance, and more.

They have call-takers that will walk people step-by-step through their coverage options.

Trevino estimates the collaborative spends 50% of its time helping people understand terms within their insurance plan.

“Sometimes, not just the consumer is a bit confused,” she said.

The Health Collaborative also helps people navigate insurance claims when issues arise.

Premium

A premium is the cost you pay to have insurance coverage, usually per month.

It is not a payment for any doctor’s visits, …