Making Sense of Healthcare for Families

October 10, 2016 by Jenny Melrose

Are you baffled by healthcare?  Wondering what certain terms are talking about?  I totally understand!  I used to set aside our health claims hoping that they would magically take care of themselves.  Luckily, it doesn’t have to be so difficult because UnitedHealthcare is working to help make sense of it all.

This is a sponsored post written on behalf of UnitedHealthcare.

Making Sense of Healthcare for Families


Premiums, co-payments and deductibles always confused me.  I think the deductible was what confused me the most.  I would see the amount and freak out thinking I was going to have to pay that price.  I learned that the deductible is the amount you owe before your plan pays anything.  So although that number can be scary, I can breathe easier.

When I was a teacher I always saw money coming out of my paycheck for health insurance.  I never understood whether we had a high premium with low copayments or the other way around.  Once I “retired” from teaching and we went under my husband’s health insurance I came to realize that my copayments had been extremely low, but my premiums were high.  I never understood that there was a difference.

UnitedHealthcare has put together a fun way for families to learn more about what their healthcare policies consist of.  Below you can see an activity on their website where the purpose is to test your knowledge of healthcare terminology with Are You a Health Plan Pro?  This particular activity is to read the descriptions and determine what type of premium and out-of-pocket would suffice each description.


I was relatively close with the empty nesters, but definitely went too low with the premium for the family of 2.  The great thing about it is that you learn as you go and you’ll be entered to win $100 weekly and $500 monthly.  It takes less than five minutes and it definitely made me look into our premium and out-of-pocket expenses.


The second activity they have to help improve our healthcare vocabulary is What’s the Word?, which is essentially a crossword puzzle of healthcare terms.  Upon completing the puzzle you are entered to win $50 weekly and $400 monthly.


With the help of UnitedHealthcare and their interactive activities families can educate themselves while possibly winning prizes.


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The Melrose Family