Health Insurance: Understanding Key Health Insurance Terms

Health Insurance: Understanding Key Health Insurance Terms

Health Insurance Education: Understanding Key Health Insurance Terms

By: Jill White (Information taken from


As 2021 comes to a close and we head into a new calendar year, many patients are looking for help in understanding their health insurance benefits. Insurance plans are specific to each company that provides coverage and can differ in which providers you can see and how much you have to pay. At the beginning of every calendar year, the majority of insurance deductibles “reset” which requires patients to cover the amount of their deductible before they can receive payment from their insurance company.  It is important to understand your costs and key health insurance terms, so you’ll know what services your plan will pay for and how much each visit or medicine will cost.


Important key words explained (


  • Deductible: The amount you owe for covered health care services before your health insurance or plan begins to pay.
  • Copayment: An amount you pay as your share of the cost for a medical service or item, like a doctor’s visit.
  • Coinsurance: Your share of the cost for a covered health care service, usually calculated as a percentage (like 20%) of the allowed amount for the service.
  • Premium: The amount you pay for your health insurance or plan each month.
  • Network: The doctors, hospitals, and suppliers your health insurer has contracted with to deliver health care services to their members.


We understand how challenging it is to understand how all of the costs of healthcare affects you. We have team members dedicated to assisting you with your personal health insurance benefits! For questions or concerns, do not hesitate to call us at 407-566-BABY (2229).


Below is an  article we found to be helpful. Simply click on the link below!!

The Challenge of Understanding Healthcare Costs and Charges

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My Vaccine Choice: How I Decided to Get My COVID Vaccine

My Vaccine Choice: How I Decided to Get My COVID Vaccine

My Vaccine Choice: How I Decided to Get a COVID-19 Vaccine During Pregnancy

By: Dr. Chelsea K. Chandler, ACOG

I found out I was pregnant with my first child in early summer 2020, just as our country was emerging from the first COVID-19 lockdowns. With warmer weather came optimism, but in the fall coronavirus cases started increasing again in my area. Then data came out that confirmed COVID-19 is more dangerous for pregnant women. As an ob-gyn, I was at high risk for exposure to the virus. And now we knew the virus could cause severe complications for me and my fetus.

It’s hard to put into words how nerve-wracking this was mentally, emotionally, and professionally. I was concerned about what the pandemic might mean for my health and my ability to do my job and take care of my patients. Working from home is rarely possible when you’re an ob-gyn who performs surgery daily. When I first heard about the new vaccines, I decided that I needed to dig into the research. When my hospital began offering the vaccine to its health care workers, I wanted to be informed and ready.

Following the Science

So, here’s what I learned: The COVID-19 vaccines are proven to be safe and highly effective. All of the vaccines went through intense testing and reviews, and they worked even better than researchers had expected. The vaccines will help us prevent illness and protect loved ones. “The more research I did, the more comfortable I became. The science led me to choose the vaccine,” said Dr. Chelsea K. Chandler. I also learned how the vaccines were developed so fast—it really came down to researchers’ dedication, collaboration, and efficiency. Amazing things can be accomplished for the benefit of society when many brilliant people work together with enough resources.

Studies of the vaccines in pregnant or breastfeeding women had not been done at the time. They are in progress now, and we are starting to see encouraging data. By now, thousands of pregnant women have received the vaccines without problems. It also helped for me to remember that most vaccines are safe during pregnancy. Like those for flu and Tdap, the COVID-19 vaccines train your immune system to mount a response to the virus. I was even more reassured when large professional organizations, including the American College of Obstetricians and Gynecologists (ACOG), came out in support of giving pregnant women the choice to be vaccinated against COVID-19. This is one of the places I look to when I’m deciding how to a manage a patient’s care. As both a doctor and a patient in this circumstance, I was grateful for their guidance.

The more research I did, the more comfortable I became. The science led me to choose the vaccine. I believed not only that it is safe, but that it would protect me from severe illness if I am exposed to COVID-19. And I knew my own health was essential for a healthy pregnancy. Plus, the vaccine’s benefits would last long after I gave birth. I received my first dose at 31 weeks of pregnancy. My only side effects were from the second shot. I managed my sore arm and minor chills with acetaminophen, and I was able to return to work the next day.

“Every person who chooses the vaccine brings us closer to putting this pandemic behind us.”
Dr. Chelsea K. Chandler

A Sigh of Relief
Our daughter was born in February 2021. When people learn that I thought it was OK to get the vaccine as a pregnant ob-gyn, they’re always curious to know more. I feel an immense responsibility to share my story and advocate for the science, whether I’m talking with a patient, colleague, or friend. In fact, my relief at being vaccinated often seems to fuel their relief. Whether to get vaccinated is a personal choice. If you have questions about the COVID-19 vaccine and pregnancy, ask your ob-gyn. We’re here to help you be your healthiest self. We all share the universal desire for life to return to normal. Every person who chooses the vaccine brings us closer to putting this pandemic behind us. For that, I am both relieved and thankful.

At Celebration Obstetrics and Genecology, we are here to help educate our patients with every medical decision so that you are confident in your choice. Feel free to schedule an appointment with one of our providers to discuss the best health care and vaccine options for you. Give us a call at 407-566-2229.


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