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[Music] are there any hidden costs in your health plan were going to talk about that today [Music] some of my most impactful lessons have been the ones that ive learned the hard way it doesnt need to be that way with health insurance today im going to help you uncover some hidden costs and your health plan to make sure that you have no surprises first you want to know what your out of network costs are going to be and so where this really comes in handy is when youre choosing a health plan understanding who you have access to which are the doctors and hospitals that are in networking which are out of network if you have a plan like an hmo which is a health maintenance organization or an epo an exclusive provider organization those have more limited networks which means less access to doctors and hospitals which means more likely that youre going to have larger out of network costs so you really want to avoid that the second thing is you want to be really aware of what are any non
