Amy C Bogda

11/03/2025

I am looking at Summary of Benefits docs for Scott & White, and they are saying oral cancer meds are now tier 4, so I just had to tell a client her meds that were $0/month in 2025 will be $500/month if she stays in her plan. Needless to say, we switched carriers.

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07/28/2025

Drug prices draining your pockets? Check to see if there is a copay assistance program. These programs are not highly advertised, but they are funded by the drug manufacturer's marketing budget - they want you on that drug, telling your doctor and everyone else how great the drug is so they get more prescriptions written for it. Questions? DM me, I'll walk you through it.

06/02/2025

Hello from your friendly neighborhood insurance lady! Quick tip for everyone: be very careful about going to urgent care facilities that are really stand alone ERs. A true urgent care facility will never have the words "Emergency Room" or "ER" in their title. If you go to one of these places, they will charge you ER prices. I don't know about you, but anytime I go to an ER, it's about $3,000. Questions? DM me!

06/02/2025

Ok, I have a random question. Now that Health Sherpa sends a link or email to get AOR consent, are y'all still reading the consent out loud to your clients or are you relying on the written consent confirmation from HS?

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04/23/2025

Shameless self-promotion 😎

06/19/2024

Small biz owner? Did you know you can get employees on health plans without having to do group insurance? Message me if you want to know more.

06/13/2024

A term you may see on your health insurance docs is out-of-pocket maximum...what the heck is that? Here's what it means:

An out-of-pocket maximum is a cap, or limit, on the amount of money you have to pay for covered health care services in a plan year. If you meet that limit, your health plan will pay 100% of all covered health care costs for the rest of the plan year. Some health insurance plans call this an out-of-pocket limit.

06/12/2024

Planning for the future includes everyone, even if you're single. By securing a life insurance policy or setting aside funds, you can ensure your final expenses are covered, giving your loved ones peace of mind during a difficult time.

06/07/2024

Insurance can be so confusing, so a lot of my clients ask me to explain the difference between a copay and their deductible. In the simplest form, if your insurance benefit summary has a dollar amount listed for a service, that will be a set amount for that service. For example: $40 copay to see a Primary Care Physician. If you see a percentage listed for a service, like 80% for the Emergency Room, you have to pay out of pocket until you've reached your deductible amount (for example, $3000). Once you've paid the deductible amount, the insurance carrier covers the percentage (80% in this example) and you cover the remaining amount of the charge (you'd pay 20%).

06/06/2024

Love this chart, it is a simple way to explain how each type of network actually works