Your annual wellness visit is more than a quick check-up—it’s a chance to take control of your health. Learn how to prepare, what to ask, and why this free benefit is worth using.

Insurance lingo can be confusing. This quick guide explains the three biggest out-of-pocket costs—copays, deductibles, and coinsurance—so you know what to expect before the bill arrives.

Choosing between an HMO and a PPO? One saves money with referrals, the other offers more freedom—but possibly at a higher cost. We break down the key differences to help you decide.