Episode 27: Co-Pays, Deductibles, Premiums OH MY! Breaking it Down with Brennan, Part 2

Episode 27: Co-Pays, Deductibles, Premiums OH MY! Breaking it Down with Brennan, Part 2

In the final episode of the series on health insurance, Brennan explains key insurance terms: deductible, copay, coinsurance, out of pocket maximum, open enrollment, and qualifying events.  He also explains all of these terms and how they would impact the cost of a dental crown.  The examples showcases negotiated in-network fees, coverage, annual dental benefit maximums, and higher costs plus balance billing risk out of network. The main takeaway is to enroll thoughtfully and actually use preventive care and benefits.

Episode 26: Co-Pays, Deductibles, Premiums OH MY! Breaking it Down with Brennan, Part 1

On the Next Step podcast, host Nikki interviews Brennan Floss of Delta Dental about health, dental, vision, and medical insurance. They discuss why dental and vision are separate from medical, emphasizing preventive care and disease detection. Brennan explains common plan types—HMO, PPO, and high deductible health plans paired with an HSA.

Episode 25: Moving Carriers, Meeting Agents-Megan Maps it All, Part 2

In this final of a two-part series you get to hear more from Megan Schofield about the four key types of insurance for people graduating college: life, property, auto, and commercial.  Key terms for life insurance are discussed and differentiated. When it comes to renters and homeowners policy, Megan explains the difference between liability, structural, and property. For auto insurance, Nikki and Megan discuss  insurance scores, liability, comprehensive, collision, and choosing deductibles. Commercial packages are touched on for those who are interested in entrepreneurship. They conclude that young adults should ask questions, review parents’ policies, and choose a transparent professional who fits their needs.

Episode 24: Moving Carriers, Meeting Agents-Megan Maps it All, Part

On the Next Step podcast, former student Megan Schofield (UNI ’08) describes her career path from communications/public relations to collegiate athletics, marketing leadership, to entrepreneur!  In this episode, Megan explains how to choose an insurer carrier and emphasizes agents’ role in guiding clients through claims, policy understanding, and switching agents or carriers when needed

Episode 23: Insurance Guy Steve Wraps it Up

In the final of a three-part series, Nikki and Steve discuss insurance and credit scores. The conversation emphasizes how inconvenient claims can be and shifts to liability coverage, urging listeners to know about their "three number" liability. Especially because medical costs can quickly exceed low limits. For final advice to young adults, they advise renter's insurance, talking to an agent, understanding chosen coverages, and selecting a reputable company.