Health Insurance: What You Need to KnowChuback Vein Center

By Maria Hughes, COO & Director of Billing

Let’s be honest—health insurance can feel like learning a foreign language. Deductibles, copays, networks… It's a lot. But don’t worry! We're here to break it down in simple terms so you can feel confident and in control when it comes to your care.

So… What Is Health Insurance?

Health insurance helps you pay for your medical care. You pay a monthly amount (called a premium) to your insurance company. In return, they help cover the cost when you visit the doctor, fill a prescription, go to the hospital, or get other types of care. Think of it like a membership—you pay to be a part of it, and when you need help, the insurance company steps in to share the cost.

Key Terms Made Simple

• Premium: What you pay every month just to have insurance.
• Copay: A small set fee you pay when you visit your doctor.
• Deductible: The amount you pay out of pocket before your insurance helps with bigger costs.
• Coinsurance: After the deductible, you might still pay a percentage of the bill.
• Out-of-pocket maximum: The most you’ll ever have to pay in a year—after that, insurance covers 100%.

In-Network vs. Out-of-Network

In-network—these are providers your insurance has agreements with to keep your costs lower.

Out-of-network care and out of pocket cost will vary depending on your insurance plan and benefit level.

Why Do I Still Get a Bill?

You might still see a bill if:

• You haven’t met your deductible
• You owe a copay or coinsurance
• The service wasn’t covered
• You saw an out-of-network provider

If anything looks confusing, call your insurance company—or give us a call! We're happy to help.

Quick Tips for Patients

• Bring your insurance card to every visit
• Let us know if your insurance changes
• Call us if you’re not sure whether a service is covered
• Keep an eye on your deductible and out-of-pocket max

Remember: You're not alone in this. Our team is here to answer your questions, work with your insurance company, and help make your care stress-free.

Maria Hughes, CCS-P, MBA

Chief Operations Officer & Director of Medical Billing

Maria Hughes has been an integral part of Chuback Vein Center since 2010, bringing over 30 years of expertise in medical billing, coding, healthcare administration, and compliance. As COO and Director of Medical Billing, she ensures seamless operations and serves as the practice’s leading expert on insurance and healthcare policies. Her leadership and knowledge are invaluable to both staff and patients.