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Northern Nevada's stunning lakes, including Lake Tahoe, with its average summer water temperature of 50 degrees, present a potential risk of hypothermia. Unlike mild 50-degree air, water at the same temperature poses severe, life-threatening risks, including rapid-onset hypothermia and drowning. Awareness of the symptoms and taking proper precautions are crucial to prevent cold-water drowning. The 4 Phases of Cold-Water Drowning 1. Cold Shock Response: This response affects breathing and happens within the first minute. An automatic gasp reflex occurs in response to rapid skin cooling. If the head goes below water, water may be breathed into the lungs, resulting in drowning. A life jacket will help keep your head above water during this critical phase. Additionally, hyperventilation, like the gasp reflex, is a response to the cold and will subside. Panic will make this worse, so the key is to control breathing. 2. Cold Incapacitation: This response occurs within the first five to 15 minutes in cold water. In order to preserve core heat, vasoconstriction takes place decreasing blood flow to the extremities to protect the vital organs. The result is a loss of movement to hands, feet, arms and legs. Unless a life jacket is being worn, the ability to stay afloat is next to impossible. 3. Hypothermia: Important to note, it can take 30 minutes or more for most adults to become hypothermic. So there’s time to take action and survive. Keeping panic at bay is critical, as you have more survival time than you think. Symptoms include: Shivering Slow and shallow breathing Confusion Drowsiness or exhaustion Slurred speech Loss of coordination Weak pulse 4. Circum-rescue Collapse: This experience can happen just before rescue and is not well understood. Symptoms range anywhere from fainting to death. Some experts believe an abrupt drop in blood pressure may cause this final stage of cold water drowning, post-rescue. Additional Safety Tips and Helpful Resources Always wear a personal flotation device as well as a wetsuit or drysuit. Your personal flotation device is the most important piece of water safety gear. Try not to panic as the first phases will subside. Controlled breathing is to staying calm. Research suggests the body can withstand the cold longer than we think. The Heat Escape Lessening Posture (HELP) is a position which helps conserve energy if you’re wearing a personal flotation device. By hugging your knees to your chest, this posture helps maintain body heat for some time.

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Whether you're a parent, grandparent, caregiver, or sibling, it's vital to recognize that drowning is the second leading cause of death among children," states Dr. Leland Sullivan, of Northern Nevada Emergency Physicians. "While we diligently work to protect children from water-related accidents, there's a lesser-known threat that often goes unnoticed—dry drowning, also known as delayed drowning. Surprisingly, many people remain unaware of its existence and potential dangers. Dry drowning defined Dry drowning is a side-effect of a near-drowning experience and includes spasms of the vocal cords and larynx — known as a laryngospasm. This occurs when the body attempts to shut down the passage of any liquid into the lungs. Unfortunately, it can also shut down the passage of air into the lungs and force fluid into the stomach and lungs. Often the condition is not discovered until it's too late — severe cases can cause death within one to 24 hours after a water incident occurs. Who is susceptible? Novice or first-time swimmers are at increased risk, as are children with asthma and known breathing issues. In addition, children who have had pneumonia or experienced acute respiratory distress syndrome are also at greater risk. To reduce these factors, caregivers should be exceptionally watchful of inexperienced swimmers. According to Dr. Sullivan, children under the age of 5 are most susceptible to drowning and often drown in residential swimming pools. Infants less than 1-year-old most often drown in bathtubs. What are the signs of a dry drowning episode? If your child has a near-drowning incident, a few moments of coughing until they calm down is normal. However, you should know the more severe signs and symptoms to watch for during the 24 hours following the incident, including: Persistent coughing Difficulty breathing and/or shortness of breath Chest pains Extreme fatigue and/or lethargy Change in typical behavior Face becomes pale   What is the treatment and prognosis for dry drowning? Dr. Sullivan recommends that all victims of near-drowning incidents seek medical attention, even if they have no symptoms. If caught early, dry drowning can be treated. If you think your child is experiencing a dry drowning episode, go to the nearest emergency room as quickly as possible — do not attempt treatment at home. Healthcare professionals will work to supply oxygen to your child's lungs to restore and regulate breathing.

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If you have the chance to meet Tami and Richard Dethmers, you will quickly discover a remarkable couple who embody a heartwarming spirit. Married for 44 years, they cherish family above all else. With five children and 10 grandchildren, their family is not just their priority—it's their whole world. It is this love and their steadfast faith that led Tami and Richard to make a transformative donation to Renown Children’s Hospital. The Heart of Giving In 2023, Tami toured the construction of the new Wilbur D. May Neonatal Intensive Care Unit and Pediatric Intensive Care Unit at Renown Children's Hospital. She was touched by the idea of creating a special place for sick children and their families. That night, she talked with Richard about how they could help. Together, they both agreed to make a generous donation that could help ease the pain for families with children in the hospital. A Comforting Consultation Room Their donation established a consultation room in the Wilbur D. May NICU and PICU at Renown Children's Hospital. Tami and Richard's motivation stems from personal experience, having seen their grandson endure four open-heart surgeries. "I remember challenging conversations with doctors, surrounded by other families in the open PICU. It was difficult,” said Tami.  In this new consultation room, families have a private space to learn about the next steps in their journey, gaining insights into the illnesses affecting their children. It is a dedicated space where doctors can discuss treatment plans and medical information with families. Designed to be a supportive and calming environment, the room features art on the walls, and a window bathes the space in beautiful, natural light, offering comfort to families in need. Tami and Richard’s donation ensures that families in the NICU and PICU can navigate difficult conversations with doctors in a thoughtfully designed space. Because We Love You and We Care In the new consultation room, a powerful message is printed and framed: 'Because we love you and we care.' This phrase is an important part of Tami and Richard’s donation, reflecting words they spoke to their children while they were growing up. For them, it symbolizes love, care, and a commitment to offering support. A Legacy of Comfort Tami and Richard, along with their family, are dedicated to an ongoing legacy of giving. Together, they also donated blankets to patients and families who use the consultation room. “I hope they provide an added layer of comfort,” said Tami. Each blanket includes a custom tag repeating those same words 'Because we love you and we care.' Richard echoes Tami's sentiments. “We do what we can because we love children, and there is no greater pain than a child in distress,” Richard said, emphasizing their shared dedication to helping children in need. Together, with their children and grandchildren, they continue to make a difference, embodying the power of compassion and generosity in their family's legacy.

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Do you have a picky eater in your household? Or maybe you've got a snack monster who’s all about chips and candy? We're here to share a few fun strategies to motivate your little superheroes to snack on healthy foods instead! Rainbow Power-Up Eating a rainbow isn't just for unicorns! Different colors mean different powers: Red foods like strawberries and tomatoes help your heart. Orange foods like carrots and sweet potatoes help your eyes spot things like an eagle! Green foods like spinach and broccoli help you grow super strong bones. So, create a plate with as many colors as possible. The more colors, the more powers! Super Smoothies Blend your favorite fruits, such as bananas, berries and mangoes. Add some milk or yogurt and a handful of spinach. Your kids won't taste the spinach, and they'll drink a supercharged smoothie that gives them the energy to tackle any challenge. Create a Parfait Packed with Delicious Layers! Veggie Villans Who said veggies can't be fun? Turn them into heroes by giving them cool names and fun shapes. Make carrot sticks "Captain Crunch" or broccoli florets "Broc the Rock." Dip them in hummus or peanut butter for an extra flavor kick. Snack Attack Plates Create snack plates that are as fun as they are nutritious. Combine: Cheese cubes Grapes or apple slices Nuts or seeds Whole-grain crackers Mix and match these for your perfect plate! Make Your Own Trail Mix  Fuel-Up Challenges Challenge your kids to eat three different healthy foods each day. Turn it into a family game to see who can eat the most colors or try the most fruits and veggies. You can even draw up a "super snacks" chart to keep track of your progress. Final Super Tip! Even superheroes have cheat days. Don't worry if your family doesn't eat healthy every meal. Just aim to eat more of the good stuff than the not-so-great stuff. Your kid's bodies will reward them with tremendous energy, focus and strength.

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Craving a snack with crunch, sweet flavor and a powerful nutritious punch? These healthy, homemade variants of this make-it-and-take-it super snack are sure to satisfy your sweet tooth and your healthy lifestyle. Who says healthy snacks and bland taste go together? We say you can have it all — nutritious and delicious snack foods that taste great and satisfy — and trail mix fits the bill. Your homemade batch can be as healthy as you like. The nuts provide fiber, protein and a whole lot of crunchy goodness; dried fruit and touches of chocolate infuse the mix with just the right amount of sweetness. We’ve compiled some simple-to-make and hard-to-resist recipes so you can easily pick up a few items from the grocery store’s bulk bins, or your kitchen cupboard, and put together a snack for your kiddos lunches or the office. Better yet, grab your mix and head out for a stroll or hike, or take along on your next road trip or adventure in Nevada’s rugged, desert locales.

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Eating healthy is a daily challenge for many, but for those with cancer, it is an even harder struggle. A cancer diagnosis affects not only those diagnosed but family members and friends, too. One key area of concern is making sure your loved one stays well by eating healthy food every day. Here are some vital cancer nutrition tips from Jessica Blauenstein, a Board Certified Specialist in Oncology Nutrition and Registered Dietitian at Renown Health. Help to Prepare Meals and Snacks for Daily Cancer Nutrition Make it grab and go. Easy-to-make meals help reduce the burden of having to cook and prepare food. Having easy to grab snacks on the counter or in the fridge can help ensure your loved one has access to those nutrients when needed. Sit outside of the kitchen. This allows your loved one to avoid cooking smells which can make them feel sick as a side effect of cancer treatments. Also try serving them cold foods such as sandwiches, cheese and crackers, or shakes which have a mild scent. Try drinkable meals. Some people with cancer find it easier to sip their calories over the course of 30 minutes to an hour. Consider smoothies or supplemental shakes such as Ensure Complete, Fairlife shakes, Orgain shakes, or Boost Plus to name a few. A great foundation for a smoothie is a protein source (Greek yogurt, protein powder, nut butters or milk) with a carbohydrate (fruits, juice or berries). Add other ingredients as desired, such as spinach, kale, and ground flaxseed or chia seeds to give it more vitamins, minerals, and fiber. Snack Ideas for Those Undergoing Cancer Treatment The following ideas are both quick and easy to make for your loved one. Chicken or tuna salad with whole grain crackers or as a sandwich on whole grain bread Greek yogurt mixed with cereal, fruit and/or nuts Cottage cheese with banana, cinnamon and/or peanut butter Favorite fruit with 100% natural peanut or almond butter spread - Try peanut butter with bananas, apples, or even celery Their favorite veggies dipped in a salad dressing of your choice - For example, carrots with hummus, tahini, or ranch dressing Cheese and whole grain crackers - Add tomato slices with a small amount of avocado, and a dash of oregano on top for more flavor Eggs scrambled with cheese, vegetables and/or salsa Peanut butter and jelly sandwich on whole grain bread A baked sweet potato with some favorite toppings Hard boiled eggs and/or egg salad with whole grain crackers, or as a sandwich on whole grain bread Oatmeal or cream of wheat prepared with milk, fruit and/or nuts Sometimes your loved one may not feel like eating or refuse to eat. If treatment side effects are impacting your loved one’s ability to eat, please visit the websites below containing recipes tailored to treat side effects. Cook for Your Life ELLICSR Of course, you may also consult a registered dietitian and/or the patients care team, if you have more cancer nutrition concerns.

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Above: Brian Cushard (left), Renown Health Foundation Board Chair, with his family At Renown Health Foundation, our mission is simple yet powerful – to raise funds that support Renown Health, the largest not-for-profit health system in northern Nevada. We are the driving force behind initiatives that bring state-of-the-art equipment, conduct groundbreaking research, enhance healthcare services, improve patient outcomes and contribute to the overall well-being of our community.  Our Dedicated Board of Directors  Our impactful work would not be possible without our Board of Directors – a fantastic team of 27 local volunteers. They bring diverse skills to the table, working together to create positive changes in healthcare for northern Nevada. Our board is at the core of our Foundation's success by guiding important decisions, sharing valuable insights and actively engaging in community relationships.  Meet Brian Cushard – Renown Health Foundation’s Chair  Brian Cushard took on the role of Foundation Board Chair at the beginning of 2024. Brian, who is the President of LP Insurance Services in Reno, will lead us for the next two years, bringing a wealth of experience and a deep commitment to community well-being. Since joining Renown Health Foundation’s Board in 2018, Brian has been instrumental in shaping our strategic direction.  Brian’s Vision: Advocating for Renown Health’s Mission and Making a Difference  We had the opportunity to sit down with Brian and explore his passion for healthcare philanthropy and the positive changes he envisions. Brian's 'why' is firmly rooted in the belief that a robust health system serves as the backbone of the community. His vision extends beyond fundraising; it's about inspiring the community by sharing remarkable stories of care and championing Renown's impactful contributions.  Q: Why does Renown's mission matter to you, and how do you see your role making a difference?  A: Renown's mission matters deeply to me because, without a highly functioning healthcare system, the economic structure of the community can be impacted. At LP Insurance, where I work, we see ourselves as guardians of our clients' hopes and dreams. This translates to my role on the Board as stewards for the health of others. Advocating for a highly functioning health system is crucial in supporting community members and clients alike. Surrounding ourselves with a solid network is essential. As advocates, our voices are integral in ensuring that everyone's voices are heard.  Q: Can you share a moment that made you want to support healthcare causes?  A: There are those stop-in-your-tracks healthcare moments that make you reassess life's priorities. I've had moments where life comes to a standstill, and what you once thought was important takes a backseat to the basics of life—getting better, one step at a time. In those vulnerable moments, you realize the importance of every person at the hospital. In desperate need, we rely on them. It's eye-opening and gives perspective on what's truly valuable in life.  Q: Tell us about a time when you saw the positive impact of healthcare or philanthropy. How did that influence your decision to get involved?  A: One impactful moment in philanthropy stands out — the Music and Miracles concert featuring the Beach Boys. LP Insurance was a major donor, contributing $100,000 to benefit Sophie’s Place, a music therapy room coming to Renown Children's Hospital. On the day of the event, my wife and I volunteered and saw the remarkable community support for Renown Children’s Hospital. The collective efforts that day raised over $1 million, specifically designated to establish Sophie’s Place. This experience inspired me to want to do more, as I recognized the profound positive impact that philanthropy can have on healthcare and the community.  Note: Sophie’s Place, opening later this year, will offer vital care and healing experiences for young patients at Renown Children’s Hospital.

Read More About The Impactful Role of Renown Health Foundation's Board of Directors

Kick off 2024 with us as we celebrate the team behind our very own Renown Health Foundation!  When you visit Renown Health, you take a look around and can’t help but notice the robust programs in place. You look left and see our thriving Children’s Miracle Network Hospital at Renown, making a lasting impact on pediatric healthcare in our region. You look right and see the advanced William N. Pennington Cancer Institute, providing leading-edge treatments right here in our community. You look around you and notice an influx of smiling nurses from the Orvis School of Nursing at the University of Nevada, Reno (UNR) who receive tuition assistance, thanks to generous donations to the Gerald “Jerry” Smith Academic Practice Partnership. Then, you think to yourself: “These programs must need a lot of money and support. So, how on earth is this all possible?”  What you may not know is that these programs are funded by the generosity of our community, all made possible by the work of Renown Health Foundation. As the largest not-for-profit health system in northern Nevada, our mission to make a genuine difference in the health and well-being of everyone we serve flourishes because of the donations, sponsorships, endowments and more that our Foundation brings in from philanthropists all over the region.  Making It Happen  The reach of Renown Health Foundation has proven to be virtually limitless, with a clear focus on supporting and raising funds for programs and initiatives that enhance the lives of our patients and their families, all for the betterment of our community for years to come.  Under their growing umbrella, the dedicated team at the Foundation makes miracles happen through administering a wide range of philanthropic programs, including: Children’s Miracle Network Hospitals (CMNH), a nonprofit organization that supports the health of 10 million children in the U.S. and Canada every year. Renown Children’s Hospital is proudly recognized as a member of CMNH. Gerald "Jerry" Smith Academic Practice Partnership, a partnership between Renown Health and the UNR Orvis School of Nursing to provide 24 nursing students a year with full-ride tuition assistance and a guaranteed career in nursing at Renown. Fianna’s Healing Garden, a healing garden bringing serenity to all at Renown Regional Medical Center, built from the vision of Fianna Dickson Combs. Miracles at Montreux Golf Tournament, an annual golf tournament that takes place at Montreux Golf & Country Club and consistently raises hundreds of thousands of dollars for Renown Children’s Hospital. A full slate of individual giving programs, including Legacy Giving, Employee Giving and Leadership Giving.  But it doesn’t stop there – the Foundation is helping our health system build more ways to care for our community by securing major gifts to fund advanced healthcare facilities and innovative healthcare solutions:  William N. Pennington Cancer Institute, the premier oncology institute in the region providing a large array of personalized cancer care services, including Medical Oncology, Infusion Services, Clinical Research and more. Renown Institute for Robotic Surgery, offering the latest advancements in surgical technology with robotic-assisted surgeries, which ensure precision, faster recovery and improved outcomes. Sophie’s Place, a state-of-the-art music therapy room currently in construction at Renown Children’s Hospital. This new space will be specially designed for children and their loved ones to enjoy the healing power of music and engage in the arts. Conrad Breast Center, the latest addition to the planned Specialty Care Center at Renown South Meadows Medical Center which will include breast imaging, infusion and surgery services along with a wellness center. Jeanne and Raymond Conrad donated a $5 million lead gift to support this important project and the Foundation team is currently working to raise an additional $6 million in 2024. It may go without saying that a day-in-the-life of these spirited team members is never a dull one. Every day brings on a new challenge to face and a goal to meet.  “A day at the Foundation is a day full of emails, calls and visits with friends of Renown,” said Abbey Stephenson, Planned Giving Officer. “Our main goal is to raise funds to support the mission of Renown, and most of our outreach efforts are to encourage philanthropy and donations. We have a very collaborative team, so we can often be found in each other’s offices strategizing about fundraising initiatives, communications and next steps with specific supporters.”  “For me, a typical day involves making sure I have a donor scheduled for coffee or lunch, working on proposals that may need research and preparing presentations,” added Jerry Cail, Major Gifts Officer. “Staying connected, I send thank you notes for any donations-usually once a week and make at least three ‘Grateful Patient’ calls to set appointments. I always make sure I am ready to contribute to any meetings I have for the Foundation."  While the scope of the Foundation’s charitable efforts goes beyond hospital walls, they also thrive right here in our own health system. Through our Grants Program, Renown’s departments and programs can leverage the connections and skills Renown Health Foundation has in order to secure funding from a multitude of grant sources.  "Grant funds from foundations, and local, state and federal governments benefit the patients and communities we serve to further our mission, vision and values,” said Pam Citrynell, Development Officer. “Past grants have supported the purchase of state-of-the-art equipment, facility development, pandemic recovery, research and clinical trials, physician and researcher recruitment, community health programs and educational training for our healthcare professionals.”  Every Foundation team member lives their passion every day while at work, frequently expressing gratitude for the immense impact they have the opportunity to make.  “I love coming to work because I get a very real opportunity to make a genuine difference and meet some fantastic people who believe in and support our mission,” said Leah Nelson, Director of Community Giving. “I have had the honor of meeting donors and the families they support. I couldn't be prouder of what our team has accomplished over the years and am excited for what is to come.”  The impact of the Foundation team’s tireless efforts extends far into the future, securing Renown’s lasting legacy in contributing to the continued health and well-being of our community.  “Philanthropy is not only a financial science but a very specific methodology where connecting resources are paramount; it requires careful intelligent management coupled with lots of hard work, patience, and vision,” said Yvonne Murphy, Development Officer. “The work that the foundation does every day makes resources available to enhance the healthcare experience for all those who seek care at Renown. Our work impacts not only this present moment but in fact is a legacy that will bless this community beyond our lifetime.”

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Pictured above from left to right: Jessica Bajwa, Nancy Bell, Laurie Goodman and Troy Fernandez As we approach the holidays and the season of giving, we reflect on the generosity and kindness that our employees here at Renown embody. Since 2007, Renown employees have donated $2,931,018 through Renown’s Employee Giving Program. This program provides our staff with the opportunity to make a difference by funding advanced equipment, research, community health initiatives, professional training and more. Regardless of the dollar amount, every contribution has a meaningful impact and remains entirely within Renown to support our mission. Employees can participate in the program at any time of the year by signing up for recurring payroll deductions or by making a one-time donation of any dollar amount. They can donate to one of Renown’s top priority areas of support or a different fund of their choice.  Meet Jessica, Nancy, Laurie and Troy  Renown employees Jessica Bajwa, Nancy Bell, Laurie Goodman and Troy Fernandez all have their own reasons for participating in the Employee Giving Program, but they all share the same goal: To give back to their community. Jessica Bajwa has been working at Renown for about seven years. She was at an employee event five years ago and found out about the Employee Giving Program through Renown Health Foundation. They explained the different areas she could donate to and how to get signed up. When Jessica looked back on the comforting care and healing her daughter had received at Renown Children’s Hospital, she felt empowered to give back to other children and families staying at Renown, so she enrolled in recurring payroll deductions to donate to Healing Arts. “It’s so easy and convenient to sign up,” said Jessica. “It means a lot to me to give to this area where they provide a healing environment, especially for patients and families at Renown Children’s Hospital – My daughter still has a blanket they gave her when she was there,” Jessica said she likes that the Employee Giving Program allows employees to choose their area of support to donate to and donation amount.   Nancy Bell said she’s proud to give back to Renown after having received a great amount of support from her coworkers during an incredibly difficult time when a family member of hers was being cared for in Renown’s ICU, just three weeks into her employment at Renown. “I had employees from not just my team but also across the organization reaching out to me and checking in to see how I was doing,” said Nancy. Nancy said she was positively impacted by that kind of support through her work family at Renown and decided to start giving back in 2011 by signing up for recurring payroll deductions to donate to the William N. Pennington Cancer Institute – to this day, she is still making donations to this area of support.   When Laurie Goodman began working at Renown in 2013, Renown’s Human Resources team offered her different ways to give back as an employee. “At the time, I was often caring for foster children and seniors,” said Laurie. “My family and I have always wanted to help others in need.” Laurie had been taking care of an elderly woman who was a patient at the old Renown Skilled Nursing Facility and decided to enroll in payroll deductions to donate to this facility. When that facility closed, she received a letter asking which area she wanted to transfer her donations to, and she decided to begin donating to Renown Children’s Hospital to give back to kids in the community. “I’m fortunate for not only my employment at Renown, but my husband’s and daughter’s employment as well. As employees of Renown, we have such great jobs, benefits and opportunities, and I think we should all strive to give back to express our gratitude and appreciation.”  At his employee orientation in 2012, Troy Fernandez heard about Renown’s Employee Giving Program and learned that funds were needed for individuals who needed financial support to pay for healthcare services at Renown. He knew his donations would go to a good cause and signed up for recurring payroll deductions to donate to the Greatest Need Fund. “It feels good to be able to give back to those who are less fortunate than us,” said Troy. “It was very easy to enroll in this program, and I’ve been donating to the same support area ever since.”

Read More About A Token of Appreciation: Renown’s Employee Giving Program

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