Insurance Basics
What Is an HSA
What a Health Savings Account (HSA) is, how contributions and withdrawals work, and who is eligible to open one.
Team Decipher
Team Decipher is the founding team behind Decipher Healthcare, an AI healthcare navigation initiative. Our team works across healthcare operations, AI, and consumer technology to help everyone understand benefits, find care, and get healthier.
Insurance Basics
How to Use Your HSA: A Plain-Language Guide to Health Savings Accounts
An HSA is one of the best financial tools available to people with high-deductible health plans — but most people don't know how to use it. Here's everything you need to know.
Appeals
How to Appeal a Denied Insurance Claim: A Step-by-Step Guide
A denied claim is not the final word. You have the legal right to appeal — and appeals often succeed. Here's exactly how to do it.
Billing & EOBs
What Is an Explanation of Benefits (EOB) and How Do You Read One?
An Explanation of Benefits is not a bill — but it tells you exactly what your insurance paid and what you owe. Here's how to read every line of it.
Surprise Billing
What to Do When You Get a Surprise Medical Bill
A surprise medical bill can arrive months after treatment and be thousands of dollars. You have more rights than you think — and more options than just paying it.
Insurance Basics
Deductible, Copay, and Coinsurance: What They Mean and How They Work Together
These three terms determine how much you pay for healthcare — but most people don't understand how they interact. Here's a plain-language breakdown with examples.
Insurance Basics
HMO vs. PPO vs. EPO: Which Health Plan Type Is Right for You?
HMO, PPO, EPO, HDHP — the alphabet soup of health plan types is confusing. Here's what each one actually means for how you get care and what you pay.
News
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