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As the leaves turn golden and the air gets crisper, it's not just pumpkin spice lattes that should be on your mind – it's also time to think about your health. Fall time also means it’s flu season and with new cases on the rise, we at Renown Health encourage you to do your part in keeping your Fall activities community safe. How can you protect your whole community you ask? Through something called Herd Immunity. We spoke with Renown Health infection prevention expert, Susanne James to talk about how getting your flu shot is vital for staying healthy and protecting your families and community.

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Flu shots don’t just protect those who get vaccinated; they protect everyone, including your family and the community. As we continue navigating the COVID-19 (coronavirus) pandemic, Renown Health infection prevention expert Whitney Robinson explains how getting your flu shot is vital for staying healthy. 5 Ways to Schedule Your Flu Shot Call Us! 775-982-5000 Urgent Care Appointments Renown Pharmacy Vaccinations Make an Appointment via MyChart Need a Doctor? Find One Now Reasons to get the flu shot Chills, body aches, fever, congestion; getting the flu isn’t fun. But in addition to protecting yourself with a flu shot, you’re helping reduce flu cases and hospitalizations, Whitney said. Flu shots are currently available at pharmacies throughout the Reno area. Whitney says the ideal time to get your flu shot is September through October, but remain relevant throughout the winter months as it only takes two weeks for the antibodies to develop in your body. This timing allows the vaccine to provide the strongest protection during the length of flu season. Who needs a flu shot? Almost everyone. The Centers for Disease Control and Prevention recommends the yearly flu shot for everyone six months of age and older. Equally, they consider it the first and most crucial step in protecting against the flu virus.

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“A breast cancer diagnosis begins much like a jigsaw puzzle to be worked through. It’s an overwhelming mess of scattered pieces that make no clear sense, poured out of the box into a crumbling pile of confusion. But slowly with persistence, focus, determination, a positive attitude and working through the challenges day by day and piece by piece, they in time both become whole and beautiful again.” – Thonet LaBadie On Feb. 13, 2015, Thonet’s life as she knew it took a drastic turn. In just one moment, everything shifted. The happy and healthy wife, mother of 17-year-old twins, former teacher and immunization specialist was about to face the fight for her life. That fateful day nearly a decade ago was when she received the unsettling news: she had breast cancer, and it had metastasized to her lymph nodes.   Though she was faced with a daunting diagnosis, Thonet’s positive spirit and zest for life never wavered. Never did she think, “why me?” Nor did she think, “I’m not strong enough.” Her thought process was quite the opposite – “I am going to ride this rollercoaster until it stops, and I walk away cancer free.”  With her loving family and friends rallying behind her, as well as her expert Cancer Care teams at Renown Health and Cancer Care Specialists (formerly known as Reno Oncology Consultants), Thonet knew that her journey would not be traveled alone, and she was determined to defeat cancer once and for all. She promised her daughter Jourdyn she would stay strong and not give up the fight. The Unexpected Discovery Thonet did everything she believed was right in her preventative healthcare journey. She lived an active lifestyle, she filled her life with love and happiness, she did not have any genetic markers for breast cancer and never missed a preventive check-up. Someone like her shouldn’t develop such a debilitating disease, right?  As it turns out, she was told by professionals that with this disease, it’s become more often not about who develops breast cancer – but when.   Breast cancer makes up for about 30% of cancer diagnoses in women across the U.S. So, when Thonet felt a lump in her breast in Nov. 2014, she knew she had better play it safe than sorry. She took her concerns to her doctors, who ran all the necessary tests.  The unfortunate result: invasive ductal carcinoma (stage 2B), the most common form of breast cancer.  Though Thonet was terrified, she was also tenacious. She was ready to Fight the Good Fight right then and there.  Thonet chose to undergo a bilateral mastectomy. So that’s precisely what she did in April 2015 at Renown Regional Medical Center.  Thonet was ready to put breast cancer behind her, but unfortunately, the trek was just beginning. During her mastectomy, her care team tested her lymph nodes. Four were removed.  What came next was her most valiant fight of all: chemotherapy coupled with radiation, as well as more reconstructive breast surgeries along the way. Courageous Connections With 36 radiation treatments, 8 rounds of chemotherapy, 6 surgeries and 1 brave spirit, Thonet's healthcare journey has been nothing short of vigorous. Fortunately, she had an expert oncology team on her side every step of the way.  And it goes even further – Thonet’s college acquaintance Dr. Jennifer Sutton, an oncology physician at the William N. Pennington Cancer Institute (formerly the Renown Institute for Cancer), was her radiation oncologist. She felt comfort knowing that a significant aspect of her care was in the hands of a trusted physician and a team of loving nurses, cancer care navigators and radiation therapists, whom she calls the “Renown Radiation Rockstars.”  Thonet felt an immense connection not only to her warm and welcoming care team but also the other oncology patients she met along the journey. Patients facing cancer often receive radiation treatments several times a week, so Thonet had a chance to make close relationships with the other patients who were on a similar path as she was.  Throughout her treatment process, Thonet participated in cancer support groups, which she believes are vital for anyone diagnosed with the disease.  “Had it not been for my diagnosis, I would have never met all the amazing people I did at Renown and beyond,” she recalls. “At the end of my treatments, I knew I was going to miss them.”  The love and support of Thonet’s care team, fellow patients, family, friends and community helped her remain positive throughout the entire process, always focusing on the positive – even during the most physically and emotionally tolling parts of treatment. Crossing the Finish Line Every day brought a new obstacle to overcome, whether it was a treatment, a side effect or an emotional response to the intense journey. Thonet’s motto throughout it all was “day by day, one foot in front of the other, from start to finish.”  In Dec. 2016, Thonet finally made it to that finish line. With the completion of chemotherapy and radiation behind her, she walked out the front doors of the Pennington Cancer Institute, threw her fist in the air in excitement and finally got to revel in the fact that she had her health back. She had survived.  Inspired by her journey and her breast cancer “sisters” she met while in treatment, Thonet wanted to give the same level of care and attention she received back to her fellow community members battling cancer. She proudly serves as a breast cancer “angel,” offering comfort and support to those who need it most. Thonet is also looking forward to the completion of the Pennington Cancer Institute’s Conrad Breast Center, currently under construction at Renown South Meadows Medical Center, noting how important it is for breast cancer patients to have expanded access to crucial cancer care in south Reno.  Today, at nine years cancer-free, Thonet is thoroughly enjoying her life. She loves traveling, spending time with family and seeing her now-adult son and daughter thrive in their own lives. She also recently underwent hip replacement surgery and is proud to be back on her tandem bike with her loving husband of 33 years, Mike, who she credits for his never-ending support in sickness and in health.  “No looking back – only forward to healthy living. Onward!” Thonet exclaims.  And for anyone out there going through cancer treatments, Thonet has some words of wisdom to take to heart:  “Cancer chose the wrong person when it tried to tackle us. Stay strong and fight on, day by day. On even the most difficult, darkest day, remember that you are stronger than you know.”

Read More About The Pieces of the Puzzle: Thonet LaBadie’s Breast Cancer Journey

Did you know that about one in four adults and one out of every ten kids in the U.S. might have a liver problem called non-alcoholic fatty liver disease (NAFLD)? This happens when too much fat builds up in the liver, and it's not because of drinking alcohol. The most serious type of this liver problem is called metabolic and non-alcoholic steatohepatitis (M/NASH). It means there's damage and can be scarring in the liver. About 20% of people with fatty liver disease have M/NASH. What's worrying is that many people don't even know they have it. Dr. Catherine McCarthy, a family medicine doctor at the University of Nevada, Reno School of Medicine, talks about the main risks of M/NASH and how you can check your risk for liver disease during Liver Health Matters Month, or anytime.  Who Might Get M/NASH?  Doctors aren't sure exactly why some people get fatty liver or M/NASH. While anyone can get M/NASH, people who might be more at risk include those with:  Type 2 diabetes Insulin resistance or prediabetes High body mass index (BMI) or obesity High cholesterol or other fats in the blood High blood pressure Signs of liver problems from tests or biopsies A family member living with M/NASH How Do Doctors Find Out If You Have M/NASH? Doctors can do different checks and tests to see if someone has fatty liver or M/NASH. They might look at your liver health through non-invasive tests such as blood work, ultrasounds or MRIs. They might also suggest a special blood test called an Enhanced Liver Fibrosis (ELF) test– offered at no-cost through the Healthy Nevada Project – to check your risks of advancing liver disease.  How Can You Treat Fatty Liver Disease or M/NASH?  Patients with moderate to advanced liver scarring may also be prescribed a recently approved therapy called Rezdiffra. However, prevention of advancing disease is still the best option.  Actions you can take to improve your liver health and reduce your risk include: Eating healthy, especially low-carb foods Exercising regularly Losing weight if needed Not drinking alcohol Keeping an eye on blood sugar if you have diabetes No-Cost Liver Screening Through the Healthy Nevada Project  If you live in Nevada and are 18 or older, you can qualify for a no-cost liver health screening by enrolling in the Healthy Nevada Project, one of the largest community-based population health studies in the entire country. This study helps doctors understand your liver health better and plan early treatments to stop liver disease from getting worse.  By joining the Healthy Nevada Project, you can: Get the FDA-approved ELF test to check your risks for liver disease See your test results in your medical record to help your doctor plan your care better Help doctors and researchers learn more about M/NASH and work on future treatments Participate in genetic sequencing for high-risk conditions linked to heart disease and certain cancers, including breast and ovarian cancer Gain high-level health insights, including food sensitivities, and ancestry information. Enrolling in the study is easy: Schedule a Virtual Consent Appointment through MyChart where a study representative will answer any questions, confirm your eligibility and sign you up. Once you’re signed up, your representative will schedule your blood test. Go to your blood draw appointment. By taking part in this study, you're helping to make a difference in liver health research!

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Renown Health is home to three 24/7 Emergency Rooms (ERs) providing comprehensive emergency and trauma care, access to specialists and inpatient services backed by the area's most extensive health system. In 2023, Renown Health cared for 132,340 patients across three ER locations. Renown is also home to the region’s only level II trauma centers for both adult and pediatric patients.   We spoke to three patients who sought immediate medical attention for various ailments and conditions to learn more about their emergency care experience and why they chose Renown ERs.   Kamrin’s Story: From Worrisome to Critical  In the spring of 2021, Danielle and her 13-year-old son Kamrin visited his primary care doctor for unexplained vomiting and were promptly referred to Renown Children's ER via ambulance for further evaluation and seen by board-certified emergency physician, Dr. Lisa Nelson. What initially began as an unassuming doctor's visit quickly turned into something much more severe after several tests confirmed a devastating abdominal tumor and a stage-four cancer diagnosis, unbeknownst to the family.  Kamrin was immediately admitted to the Pediatric Intensive Care Unit (PICU) and referred to a Pediatric Oncologist at Renown Children’s Hospital to begin his plan of care with expert pediatric hematology and oncology specialists.  Regarding the board-certified physician, who delivered the results to the family, Danielle said, “She was so calming to us, even as the diagnosis haunted us. She led us by guiding our family through the unknowns. She felt like a family member to us in that moment, letting all the unknowns be well known.”  “The love, empathy, support and guidance these employees gave us carried us. The care team quickly and easily became a source of relief, knowing we were their priority and in the best hands. We are forever grateful for the team at Renown Children's Hospital and Renown Children’s ER; they truly saved our son's life and continue to be our guiding light whenever it's needed in our son’s health journey,” Danielle said.   Today, Kamrin is in remission and navigating the aftereffects of chemotherapy, including an immune system deficiency. However, his family chooses to navigate each day by embracing the positive side of things, such as the life-saving impact of his treatment.  Did you know? Renown Children's Pediatric Hematology and Oncology is located within Renown Regional Medical Center and offers expert pediatric specialists dedicated to providing comprehensive treatment for pediatric hematology and oncology, including chemotherapy, radiation therapy and infusion services.  Taylor’s Story: From Crisis to Recovery  Promptly after cosmetic surgery performed by a medical professional not associated with Renown, Taylor Salas (Chacon) began to lose consciousness and notice her post-surgery drainage systems, also known as Jackson-Pratt drains, fill with blood. She was transported to Renown Regional ER via ambulance and immediately seen by ER staff and board-certified emergency physician Thea Berning, MD, for medical assessment.   Taylor drifted in and out of consciousness as the ER team began blood transfusions and a CT scan to determine her plan of care. Dr. Berning began facilitating communication with a community plastic surgeon with privileges at Renown Health and emergency surgery was performed to stop Taylor’s internal bleeding. Taylor was placed on a ventilator due to respiratory distress and trauma from the event, then transferred to Renown’s Intensive Care Unit (ICU) to continue her care.  Thankfully, Taylor listened to her gut when something didn’t feel right after her surgery and sought immediate medical attention. The ER team's quick response, communication and collaboration with a plastic surgeon saved Taylor from severe internal bleeding. “I was informed every step of the way about what was happening and why. I felt comfort in this,” she said.   Did you know? Because of Renown Regional Medical Center’s Level II Trauma Center distinction, you have immediate access to an extensive list of specialists and physicians trained in a wide array of specialties, in the event of a traumatic injury or accident. This is one of the many benefits of Renown Regional’s Level II Trauma status.  Ted’s Story: The Unsuspected Threat   Bothered by symptoms of heartburn, fatigue, neck pressure and arm discomfort, Ted was in the middle of a busy workweek in June 2023 when he began to suspect something was wrong. Knowing the importance of addressing early heart attack symptoms immediately, Ted and his wife headed to Renown Regional ER because of proximity and some familiarity with Renown’s leading cardiology care and technological expertise. After prompt assessment by the Renown ER team, including blood work, imaging tests and the administration of medication, Ted was admitted to the hospital to treat the blockage and narrowing of his coronary artery. On June 8, Ted was admitted for treatment, where he successfully underwent a single bypass surgery and recovered in the Cardiac Intensive Care Unit (CICU), before being discharged and following up with the Intensive Cardiac Rehab (ICR) program at Renown. The ICR program at Renown played a pivotal role in Ted's 55-pound weight loss and overall health improvement, empowering him to embrace a healthier lifestyle and find ways to use his newfound energy and strength today. “Overall, I believe I had the best care possible because of the collective group of people at Renown caring for this community, who we could see in the grocery store, at the ball game and in the shopping malls. This community feeling is something you might not get in a big city hospital,” Ted said. Did you know? Intensive Cardiac Rehab at Renown Health is a medically supervised program designed to improve cardiovascular health after a significant heart condition or procedure. Since its inception in 2016, this program has been a pioneer in the region for cardiac rehabilitation focusing on three key pillars including exercise, nutrition and stress management.

Read More About When Care Can’t Wait: True Stories of Renown ER

Raquel was 33 when she was diagnosed with breast cancer. It was April 2023, when she found a lump in her breast and was referred to the William N. Pennington Cancer Institute. After comprehensive imaging, she was diagnosed with invasive lobular carcinoma, which is a type of breast cancer that begins in the milk-producing glands of the breast. Between June 2023 and January 2024, she received a total mastectomy, chemotherapy and radiation at Renown Health. “Breast cancer is uncommon in women under 40, but any woman with a mass or lump in her breast should have an exam by a physician and imaging at any age,” said Dr. Lee Schwartzberg. In fact, according to the Centers for Disease Control and Prevention (CDC), only 9% of all new cases of breast cancer in the U.S. are found in women younger than 45. “It was a pretty scary diagnosis, but I’ve been led by great people through the process,” she said. “They were so helpful and there for me throughout the chemo and radiation.” Raquel's journey through breast cancer treatment at the William N. Pennington Cancer Institute was marked by the exceptional care provided by the Renown Health team, including nurses, nurse navigators, therapists, support teams and providers. Among the dedicated professionals, Dr. Michelle Chu and Dr. Lee Schwartzberg played pivotal roles in Raquel's diagnosis and subsequent treatment plan. Their expertise, compassion and commitment to patient care left an indelible impact on Raquel's experience. Their thorough examination and comprehensive approach ensured that Racquel received the best possible care for her invasive lobular carcinoma. In addition to the care provided at Renown, Raquel greatly benefitted from being connected with a mentor by Dr. Chu. This mentor, Kayla, had undergone a similar diagnosis and treatment plan, and at the same age Raquel. They texted and called each other throughout Raquel’s treatment, providing additional support through a challenging time. As of January 2024, Raquel is done with her treatment and continues to see her care team for follow-up appointments. “I’m through the worst and ready to rebuild my life,” Raquel said. To help celebrate this milestone, Nevada Athletics invited Raquel to receive the game ball at a Nevada Men’s Basketball game. She was joined on the basketball court for this special recognition by her husband, Raul; mother, Arlene; and two daughters, Ryleigh and Rhiannon. Racquel's journey is not only a testament to her resilience but also a tribute to the invaluable contributions of Dr. Chu and Dr. Schwartzberg in guiding her towards triumph over breast cancer.

Read More About Celebrating Resilience: Raquel's Remarkable Journey Through Breast Cancer Treatment

Embarking on the path to bariatric surgery is a unique and deeply personal journey. Individuals like Mary Escobar choose this life-changing route for reasons ranging from improved cardiovascular health to managing diabetes or finding relief from various health complications. In Mary's case, her two-decade-long healthcare journey not only underscores the challenges she faced but also highlights the support and expertise that ultimately led to her successful transformation through bariatric surgery. Mary's Resilience: December 2002 through February 2003 More than two decades ago, Mary experienced unforeseen health complications just days after giving birth via c-section. Septic shock, hemolytic uremic syndrome, thrombocytopenia, renal failure and a blood clot in her lung plunged her into a critical state. Intensive care, plasma exchange and a long recovery followed. After being discharged with compromised kidney function, Mary faced complete renal failure two years later, leading to dialysis and a spot on the donor list. Mary's brother, a perfect match, selflessly donated his kidney on Dec. 14, 2007, marking a turning point in Mary's health. However, the post-transplant period brought new challenges, including diabetes, high blood pressure and a significant weight gain, reaching 230 pounds. Determined to regain control, Mary explored various diets without success until she consulted with a bariatric doctor. Journey to Bariatric Surgery: November 2009 - April 2021 In November 2009, Mary opted for a gastric band, shedding 40 pounds within a year. Despite initial success, issues with the gastric band arose, prompting a consultation with Dr. John Ganser at Renown Health in April 2021. Together, they decided to transition to a gastric sleeve, with comprehensive education provided to ensure long-term success.

Read More About A Transformative Journey: Mary's Bariatric Surgery Story at Renown Health

© Arthon Meekodong via Canva.com Breast cancer screening has long been a cornerstone of women's healthcare. With 1 in 8 women diagnosed with breast cancer in their lifetime1, the United States Preventive Services Task Force (USPSTF) has developed screening recommendations to help detect early-stage cancer. Notably in 2023, the USPSTF revised the recommended age for biennial mammogram screenings for women with average risk to start at age 40 instead of 502, estimated to result in 19% more lives being saved3 by starting screening earlier. While initiating screening at an earlier age offers advantages to a wide demographic, concerns about the potential of over-screening prompted research into the feasibility of identifying women with lower breast cancer risk who could safely delay mammograms. While guidelines address high-risk individuals, a notable gap exists in providing recommendations tailored to those at lower risk. To gain insight into a patient's risk level, physicians are able to utilize genetic testing to understand an individual's genetic makeup, providing precise insights into their predisposition to various health conditions, including breast cancer. Armed with this genetic information, healthcare providers could craft tailored screening strategies that align with an individual’s specific risk profile. This genetic risk-based approach underscores the value of genetics in individualizing the onset of screening to help avoid over-screening and its associated costs. Surprisingly, genetic information is not currently being widely utilized to identify women at risk of breast cancer or other diseases in clinical practice, despite its potential to make a significant positive impact for patients. A recent retrospective analysis of 25,591 women from the Healthy Nevada Project4 sheds light on the potential benefits of this genetic risk-based approach. The study classified 2,338 (9.1%) of these women as having a low genetic risk for breast cancer. What's remarkable is that these women exhibited a significantly lower and later onset of breast cancer compared to their average or high-risk counterparts. This finding suggests that it might be safe for low-risk women to delay mammogram screening by 5 to 10 years without compromising their health.

Read More About Optimizing Mammogram Screenings: A Genetic Approach to a Personalized Screening Schedule

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 typically require you to select a primary care physician (PCP) and obtain 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 stands for “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 but typically do not have the out-of-network benefits of PPO plans. EPO plans do not require you to select a primary care physician (PCP) giving you a broader network of providers. EPO options are a great cost-saving option with more flexibility than a standard HMO plan. 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 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. Keep in mind that most insurance carriers offer emergency care coverage for all three plan options (HMO, PPO, EPO). 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

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

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

Are you looking for health insurance coverage for the upcoming year? In that case, it's time to browse your options for an Individual or Family Plan. The Open Enrollment Period is from Nov. 1, 2023 until Dec 15, 2023. So, if you're looking for coverage by Jan 1, 2024, you must enroll by Dec 15, 2023. Get a Quote Online Suppose you don't qualify for a health insurance subsidy, no need to worry! You can still choose an individual and family health insurance plan from Hometown Health. Get a quote online by providing your location, the type of coverage you're looking for and your personal/family details. Once you've provided this information, you'll receive health plan options and pricing. And, if you find a plan you like, you can easily self-enroll online. Get Your Online Quote Today Enroll Through the Nevada Health Link Hometown Health offers Individual and Family health insurance plans on Nevada's Healthcare Marketplace, the Nevada Health Link. Through Nevada Health Link, eligible Nevada consumers can shop for, compare and purchase quality and affordable health insurance plans with ease. Nevada Health Link is the only health insurance resource that can provide eligible candidates with federal tax credits and subsidies to help cover the cost of your health insurance. Use Hometown Health's Insurance Subsidy Federal Poverty Level Calculator to see if you qualify for a tax credit or subsidy. Enroll via Nevada Health Link Work with a Health Insurance Broker  Hometown Health is northern Nevada's local insurance provider and if you have questions about Individual and Family Plan insurance benefits, you’re in luck! Hometown Health partners with our local health insurance brokers who will work with you, typically at no cost, to help you understand health insurance plans and benefits and find the plan that is best for you. Need assistance finding a broker? Connect with our team by submitting the form below. They'll provide you with a list of our local broker partners. Find a Broker Near You

Read More About 3 Ways to Enroll in a Hometown Health Insurance Plan