Understanding Your Health Insurance + $100 Target Gift Card Giveaway ends 2/29

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Disclosure: This is a sponsored post on behalf of United Health Care. All opinions are 100% mine.
UnderstandingYour Health Insurance Options

Before my kids were born buying healthcare was a piece of cake. I was working as a teacher, and every year when it was time for enrollment, I would sit down and pick out the cheapest plan. Not very smart, but I was in my early 20’s and never use to need the doctor.  However, having kids was a game changer.  Especially when we found out our oldest had a Congenital Heart Defect. We had never been put in a situation where buying the wrong insurance plan would mean paying thousands of dollars extra and not understanding what we were buying would also mean change in care. We’re not alone, most American’s have issues picking their health insurance and many times pick the wrong one. So this month UHC wants to see how well you understand the various terms in your health insurance with their fun dares! IMG_8453

We realized quickly how important having the right coverage was. When we found out our son would have extensive tests done yearly, we knew we needed something with a low deductible. However, for someone who doesn’t go to the doctor a lot and only needs insurance for emergencies a HSA or even a High Deductible plan might work for them.

Buying health care coverage can be very confusing. So UHC wants to see how well you understand your own coverage and if you’re getting the most bang for your buck. Many terms and concepts like deductible, HSA, Premium etc.. can be hard to understand let alone help make a decision as to which insurance to get. So head over to this month’s challenge and see for yourself how well you know your plans. You don’t have to be part of United Health Care to check it out. Best of all you’ll be entered for your chance at a $400 Gift card! So head over right now and check it out. In the mean time head below and enter to win a $100 Target Gift card just for completing the dares!

Giveaway is open to US residents only and ends on 2/29 at 11:59pm EST. Must be 18 Years old to enter! Good luck! Don’t forget to use code Conservamom on dares for verification of entry!

Disclosure: All opinions are 100% mine. This giveaway is in no way associated with, sponsored, administered, or endorsed by Facebook, Twitter, Google, Pinterest or any other social media network.All opinions and experiences are Conservamom‘s. Open to US residents only , must be 18+. Confirmed Winner(s) will be contacted through email and have 48 hours to respond before a new winner will be drawn. No purchase necessary. Void where prohibited by law. The sponsor will be responsible for product fulfillment to winner(s) of the giveaway. The disclosure is done in accordance with the Federal Trade Commission 10 CFR, Part 255 Guides Concerning the use of Endorsements and Testimonials in Advertising. For questions or to see your product featured in an Event you can contact Elia At Conservamom
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  • Reply Krystal

    I guess my only question is is my insurance enough for me.

    February 29, 2016 at 11:09 pm
  • Reply sarah mayer

    What are the hidden requirements they aren’t telling me about?

    February 29, 2016 at 4:12 pm
  • Reply Andrea Darst

    I understand my health care plan too well – we’ve had lots of problems getting reimbursed!

    February 29, 2016 at 3:59 pm
  • Reply Emily L.

    While we’ve been blessed to not have any major complications or health conditions, I always want to know about the prescription options/coverage since that comes up quite frequently for us.

    February 29, 2016 at 10:25 am
  • Reply Ashleigh ODonnell

    I don’t have an questions at the moment, but if I do I can always call and a rep always help! 🙂

    February 29, 2016 at 7:37 am
  • Reply Sally A. Peckham

    I understand what my insurance covers and what it doesn’t.

    February 29, 2016 at 2:47 am
  • Reply Jennifer

    I always wonder what is covered. It seems to change.

    February 28, 2016 at 1:30 pm
  • Reply Heather Walborn

    my biggest question is what is covered & what are the hidden “requirements”

    February 28, 2016 at 11:00 am
  • Reply Ashley packard

    I’m always concerned about specific costs. I know what is covered for preventative care, but are labs extra?

    February 28, 2016 at 8:59 am
  • Reply Kara Marks

    I don’t really have any unanswered questions at the moment; if I do, I can find the answers pretty easily at the website or by calling.

    February 28, 2016 at 12:38 am
  • Reply Jacqueline Dunkin

    Would love a free option for everyday people…

    February 27, 2016 at 11:09 pm
  • Reply Kathryn Krueger

    I want to know how much it will cost me to have some specific tests completed.

    February 27, 2016 at 5:51 pm
  • Reply paloma hernandez

    I hate how confusing health care is. They sent me a big book telling me who takes my health care in my area but im always confused as to the limit of what my health care covers. I have cheap health care and when things pop up i end up calling to find out if im covered. Thank You for this post i definitely need to see how well i understand my health coverage. God bless you and your family

    February 27, 2016 at 5:22 pm
  • Reply Deborah W.

    Will my deductible be manageable when I no longer work outside the home?

    February 27, 2016 at 9:50 am
  • Reply katie

    I would want to know how much coverage I have and what my deductible is because that can add up quickly.

    February 27, 2016 at 12:39 am
  • Reply Alicia C

    It took forever to figure out how to get my free best pump after having the baby! Why does it have to be so difficult?

    February 26, 2016 at 11:43 pm
  • Reply katie hanson

    i’m never quite sure how to figure out my deductible!

    February 26, 2016 at 5:40 pm
  • Reply steve weber

    Why aren’t there enough affordable options in my area?

    February 26, 2016 at 5:38 pm
  • Reply Barbara Brooks

    I am going from paying my whole cost of plan x18 months of COBRA, next six months paying for basically same plan until medicare disability . and then have to chose a medicare plan . Its a headache but our state does have counciling available to help with your insurance navigators. WSOS and senior programs help. The state even has people that are at the library to help. Because it it so confusing and complicated. If you can afford it it has a big deductible. Or doesn’t cover your doctors. And if you are low of income they offer a subsidies. . Too confusing.

    February 26, 2016 at 5:07 pm
  • Reply Abbey - Mind, Body, Babies

    I have Iowa Medicaid. and they are privatizing it, which is a painew to attempt to weed through…and I was a licensed health insurance agent.

    February 26, 2016 at 5:00 pm
  • Reply Shauna

    Why is it so difficult to understand health insurance? Couldn’t there be a way to change the wording to something more “user friendly” or commonly understood?

    February 26, 2016 at 3:07 pm
  • Reply Amy Deeter

    i would want to know what they all cover and stuff like that

    February 26, 2016 at 1:51 pm
  • Reply Katrina Gryer

    Why does it have to be so hard to find a dentist

    February 26, 2016 at 1:01 pm
  • Reply Natasha

    Why do I pay so much and get so little in return?

    February 26, 2016 at 8:25 am
  • Reply Elizabeth C

    I’d like to know why my insurance keeps telling me that tests and procedures are 100% covered and then after I get the test or whathaveyou, they send me a bill for the full price saying they DON’T cover it. Ugggggh!

    February 26, 2016 at 12:24 am
  • Reply Heather Carver

    I’ve never truly understood how the insurance companies can make the payments, co-payments, & deductible so extremely expensive across the board. How can they expect a family to afford another mortgage payment with little coverage?!?!?!

    February 25, 2016 at 6:28 pm
  • Reply Caitlin Gramley

    What they cover

    February 25, 2016 at 12:32 pm
  • Reply Ashley Dionne

    Deductables and out of pocket costs are something i think every one needs to know. They make it so black and white

    February 25, 2016 at 9:25 am

    coverage and deductibles

    February 24, 2016 at 10:41 pm

    meant to put using my benefite in test one watch video .put wrong answer sorry

    February 24, 2016 at 10:31 pm
  • Reply Laurie Arnheim

    I can’t believe I’m in my mid 50’s & have such crappy insurance, and can’t even afford it!!! Back in the day, the company I worked for paid for it, and everything was free!!! I paid NOTHING until I went to the doctor! Then it was $10 copay! Prescriptions were $3! Our health insurance has been messed up for a VERY long time! It needs to get fixed, and companies need to be responsible for their employees again!

    February 24, 2016 at 12:21 pm
  • Reply Sarah Elyce

    I am always concerned with deductibles, co-payments, co-insurances, and maximum coverage levels.

    February 24, 2016 at 2:00 am
  • Reply Lovely Joy Merced

    does it include short term disability?

    February 23, 2016 at 11:36 pm
  • Reply Ayla Wojciechowski

    Why do they never know what is going on when I call and don’t realize they are supposed to pay something until I remind them?

    February 23, 2016 at 9:14 pm
  • Reply JoB

    What they will cover for pregnancy.

    February 23, 2016 at 11:18 am
  • Reply Zoey

    I want to understand how decisions are made for what they will vs. won’t cover.

    February 23, 2016 at 1:41 am
  • Reply laura rubenstein

    I need to know what the cost of copays for doc appointments and medications are.

    February 22, 2016 at 7:23 pm
  • Reply DeAnna Keller

    Why does it cost so much?!

    February 22, 2016 at 1:18 pm
  • Reply pankit

    No questions about insurance, just wonder why it is so darn expensive!

    February 21, 2016 at 1:11 pm
  • Reply Randy Fulgham

    i need to know about pre-exsiting injury if i would be covered after workman comp runs out

    February 20, 2016 at 1:30 pm
  • Reply June S.

    My concerns are why does it always take so long to get any type of response back from them on anything you may have to see a doctor for or go into a hospital for.

    February 20, 2016 at 1:02 pm
  • Reply Susan Hartman

    My 89 yr old Dad had a health crisis in December. I have learned so much about health insurnace in the last couple of months. When this is all over I have to take a better look at my own.

    February 20, 2016 at 12:52 pm
  • Reply Jennie

    I don’t have a great question. I’m just frustrated at having such a high deductible. Everything is out of pocket until we reach that…and then they only cover a small percentage! It’s very frustrating. We just don’t have the money for all these medical expenses. It’s causing me to not go to doctors and not get prescriptions we need, because we simply can’t afford them.

    February 20, 2016 at 10:54 am
  • Reply Erin Will

    My biggest health insurance question since I am on a military plan is what changes are in the works now. We hear a lot of rumors about changes the government could be making to our plans as far as coverage and locations you can be seen.

    February 19, 2016 at 10:56 pm
  • Reply Katie hall

    I have Medicaid thankfully but I wish I could find a good insurance for my fiance.

    February 19, 2016 at 10:44 pm
  • Reply Laura F.

    I just wish we could get our same good health insurance without having to have both a high premium and high deductible. 🙁

    February 19, 2016 at 5:06 pm
  • Reply Joye Rast

    No real question, just wished they covered more than just basic that I can afford.

    February 19, 2016 at 1:05 pm
  • Reply abedabun dawn

    What are some pressing questions I have about my health care plan? I really dont have any questions other than way does insurance have to cost so much? Obamacare is much more expensive than my previous insurance.

    February 19, 2016 at 11:56 am
  • Reply Francine Anchondo

    I dont really have any questions . My plan is pretty straight forward on what they cover and dont.

    February 19, 2016 at 9:54 am
  • Reply Marisol Castaneda

    I want to know how often I have to renew it and if they will replace my filings.

    February 19, 2016 at 9:50 am
  • Reply Sandra Watts

    I want to know why I seem to be paying more weekly for it and the deductible is so huge it is never met until the end of the year and then we start all over again so I get no real benefits from it. Ohh I get so mad about health coverage!!!

    February 18, 2016 at 9:26 pm
  • Reply barb g.

    I wonder why my Medicare plan does not cover enough of a doctor bill or an immediate care clinic bill. It’s just crazy!

    February 18, 2016 at 4:39 pm
  • Reply aimee place

    i have no questions at the moment.

    February 18, 2016 at 4:15 pm
  • Reply Angela Mason

    I am having problems getting a tooth pulled, because it is broken under the gum line it has to be cut out. The only person who can do this is an oral surgeon. He wants all the money from the insurance plus 400.00 For anesthesia. I don’t have it. I can’t find anyone to take this tooth out, except him. I have other teeth that need help as well. I’m sorry for venting but this was really annoying me and I had to get it out of my head!! Have a great day!!

    February 18, 2016 at 2:59 pm
  • Reply Mia

    What kind of specialists are covered and what kind of deductible their is for various services.

    February 18, 2016 at 2:33 pm
  • Reply sandra

    what symptoms determine whether I qualify for bariatric surgery?

    February 18, 2016 at 12:52 pm
  • Reply Nancy Burgess

    I just had to sign up for Medicare and the premium is high why do I have to take it when I’m covered under my husband’s work policy.This takes a big chunk of a small social security check.Simply not fair.

    February 18, 2016 at 11:23 am
  • Reply crystal

    i think my family could really use some new healthcare, especially ones that will be there for us and not leave us with no coverage at all or a big bill.

    February 18, 2016 at 10:28 am
  • Reply Angela W

    My biggest concern is what items are covered and my out of pocket expenses in general depending on the situation and if the health facility takes our insurance (if we were out of town or on vacation and needed to go if it was an emergency). Also when we include eye and dental coverage…is it cheaper for us to pay out of pocket since we are conservative and very healthy.

    February 18, 2016 at 8:24 am
  • Reply Nicole k

    My biggest question would be why more things aren’t covered under preventative care

    February 17, 2016 at 2:46 pm
  • Reply Ashley Chassereau Parks

    I don’t really have any questions. I do hate how the cost for co-pays went up for us. It has made it less possible to go to the chiropractor on a regular basis like we were going before. We rarely go to the doctor other than that anyway.

    February 17, 2016 at 12:16 pm
  • Reply Christina Forth

    The wait time. I have VA healthcare.

    February 17, 2016 at 11:52 am
  • Reply Kara I

    My biggest question with my insurance is how much will my delivery cost. I’m grateful for the insurance I have and the benefits that come with being a teacher. But I’m a newbie still and don’t know my ropes around the insurance game.

    February 16, 2016 at 10:53 pm
  • Reply Danielle Lovejoy

    Why does it cost so much?

    February 16, 2016 at 3:37 pm
  • Reply MaddiesMom

    Why don’t they cover more?!

    February 15, 2016 at 10:24 pm
  • Reply Emmalee Kiernan

    I always want to know exactly what is covered, what isn’t and what’s partially covered and why.

    February 15, 2016 at 8:37 pm
  • Reply Heidi Dunning

    No questions about my insurance just wish MetLife covered more. Dental is expensive

    February 15, 2016 at 8:19 pm
  • Reply Laurali Graham

    I would like the site to be more user-friendly.

    February 15, 2016 at 8:16 pm
  • Reply delbert1090

    My biggest question is why does it have to be so complicated? The policies are so long and tedious to read…simplify please!

    February 15, 2016 at 6:22 pm
  • Reply belinda bell

    my biggest question is why insurance cost so much, and then I have a high deductible.

    February 15, 2016 at 5:48 pm
  • Reply Cindy Kong

    I ever know what I’m covered on and not. Or what I need to pay out of pocket. don’t really understand any of it.

    February 15, 2016 at 4:34 pm
  • Reply Barbara Brooks

    I just am going from the end of COBRA just to start 6 months of coverage from dot gov. Then my medicare can kick in . and I have to decide another part d and b. So focusing.

    February 15, 2016 at 3:43 pm
  • Reply Mia

    The overall costs, premium, deductibles. All of it. Really.

    February 15, 2016 at 3:29 pm
  • Reply Cassie Bruning

    I sell Insurance and even I think its a bunch of bologna how much it costs these days! I would like to see it go back to the “good ole days” when your premium didn’t break your monthly budget and when deductibles were attainable!

    February 15, 2016 at 3:23 pm
  • Reply Shawn Stover

    the out of pocket costs

    February 15, 2016 at 3:17 pm
  • Reply Christina

    Always have questions about out of pocket costs.

    February 15, 2016 at 3:09 pm
  • Reply Bethany

    I would to know if there is an informational website for my insurance.

    February 15, 2016 at 2:52 pm
  • Reply Rachael

    I have good insurance thankfully so no questions about mine

    February 15, 2016 at 2:46 pm
  • Reply Lara Curtis

    I would like to see better lactation consulting right after birth. I had none 🙁

    I’m military so all is covered thankfully but, the hospital was too busy to provide lactation experts (the nurses were great) but by the time the lactation consultant responded, I was home for a week

    February 15, 2016 at 2:44 pm
  • Reply Elizabeth

    Why the coverage for my annual Pap smears is so horrible

    February 15, 2016 at 2:44 pm
  • Reply Michelle Cartagena

    Fortunately we have military insurance. All is covered.

    February 15, 2016 at 2:34 pm
  • Reply Carissa Joslyn

    I don’t have any questions about mine. it’s pretty good.

    February 15, 2016 at 12:33 pm
  • Reply Beth R

    I would like to know how much of a pregnancy is covered?

    February 14, 2016 at 2:26 pm
  • Reply Katy Baird

    My question is why do they make it so difficult to sign up for insurance? I always give up and call an insurance agent. Luckily, she is a good friend so I know she has my best interests in mind.

    February 14, 2016 at 1:58 pm
  • Reply Liza Vladyka

    i have goverment insurance so none

    February 13, 2016 at 10:15 pm
  • Reply Katy

    I don’t fully understand our laboratory and testing benefits. I did what I thought was a simple test last week and received a bill for our part of payment (after insurance) that was almost $2000. I had to submit a question about it to the board and wait for their answer. I would never have had the test done if I knew the cost. Yikes!

    February 13, 2016 at 7:27 pm
  • Reply Natalie

    My question is whether or not my health insurance covers DEXA scans.

    February 13, 2016 at 12:48 pm
  • Reply eileen marie

    My question is why does our insurance cover one visit or procedure or visit almost entirely and the cover almost nothing for a different one? It’s like trying to read a complicated language!

    February 13, 2016 at 12:09 pm
  • Reply Mary jo

    I want to know how much of a pregnancy is covered

    February 13, 2016 at 11:36 am
  • Reply Samantha Leachman

    Always wanna know what out of pocket costs there are and what’s covered in the plan.

    February 13, 2016 at 10:33 am
  • Reply jennknee83

    Luckily we are military so we are blessed

    February 13, 2016 at 8:41 am
  • Reply Grace Peters

    I always want to know how much my copay is and what is covered in my deductible.

    February 13, 2016 at 12:31 am
  • Reply AmyLee

    I wonder if there are more options to get money in my HRA

    February 12, 2016 at 11:49 pm
  • Reply Ellen Hernandez

    I want to know exactly what’s covered and how much I have to pay out of pocket.

    February 12, 2016 at 10:31 pm
  • Reply Cristina M

    No questions..

    February 12, 2016 at 10:09 pm
  • Reply Jerry Marquardt

    Why don’t they make it easier to use?

    February 11, 2016 at 11:00 pm
  • Reply Melissa Crisp

    Honestly I have none. I’ve had my insurance for 8 yrs now and I haven’t had any problems yet.

    February 11, 2016 at 10:01 pm
  • Reply Ashley Trail

    Insurance is overwhelming I think that they should spend more time to make sure people understand the actual terms of their plan.

    February 11, 2016 at 9:07 pm
  • Reply Emily Endrizzi

    How do the insurance companies determine how much they will cover of your medication expenses?

    February 11, 2016 at 4:25 pm
  • Reply Pamela Gurganus

    Exactly what’s covered and how much I have to pay out-of-pocket.

    February 11, 2016 at 9:49 am
  • Reply Holly Thomas

    Make it user friendly!

    February 11, 2016 at 6:41 am
  • Reply Penni

    I need to know if the prescription medications I take are covered, and the amount I will need to pay for each of them!

    February 11, 2016 at 3:56 am
  • Reply Jennifer W

    We’re military, so our health plan is the standard military one. They keep tweaking it, though, so I have to be vigilant. My biggest questions are about maternity issues since we’re planning on having more kids soon.

    February 11, 2016 at 1:15 am
  • Reply Kelly Allison

    I’m always interested in finding out what all the insurance plan covers and getting the best deal that way. I tend to go for a moderately priced plan that will cover a decent amount/have a decent deductible instead of having one of the extremes with either a higher deductible/lower monthly payment or lower deductible/higher monthly payment.

    February 10, 2016 at 7:28 pm
  • Reply Sherwood

    I have no idea. I’ve never used health care before, and the only reason I even have it is because the “tax” is now more expensive than having it…

    February 10, 2016 at 6:51 pm
  • Reply Courtney Osmanson

    No questions

    February 10, 2016 at 6:05 pm
  • Reply Trisha Burgess

    I always have the question of what exactly is or isn’t covered.

    February 10, 2016 at 6:02 pm
  • Reply DeniseG

    I’d like to understand why more specialty services aren’t covered.

    February 10, 2016 at 5:07 pm
  • Reply alicia szemon

    Don’t have any questions(:

    February 10, 2016 at 4:39 pm
  • Reply Casey Brevelle

    I would like to know more about my dental & vision coverage.

    February 10, 2016 at 2:24 pm
  • Reply Erica P.

    We’re ok on our insurance since we’ve had it for a while, but if there’s anything I have left to learn its how to comparison shop for plans when we do make a change. There’s just so much information to take in!

    February 10, 2016 at 2:03 pm
  • Reply Danielle Rudolph

    I dont have any questions but the dental part could use an overhaul

    February 10, 2016 at 1:31 pm
  • Reply Anita Duvall

    My husband lost his job last August and we currently have NO COVERAGE whatsoever!!! Scary, scary times for us!

    February 10, 2016 at 12:00 pm
  • Reply Michelle Castagne

    I don’t have any questions about the medical part. It’s the dental coverage that I’m concerned about.

    February 10, 2016 at 11:40 am
  • Reply Lori D.

    I don’t have insurance, the monthly cost is unaffordable even with subsidy. It is a lot cheaper for me to pay the tax penalty.

    February 10, 2016 at 10:46 am
  • Reply Renee Rousseau

    My biggest healthcare questions are understanding the Social Security coverage and the supplemental insurance policies available.

    February 10, 2016 at 10:41 am
  • Reply Amber Ludwig

    I surprisingly don’t have any!! I love my healthcare plan!! Thank god for state health insurance!! They cover almost anything and everything!! My only problems I have are finding good dental places to go!

    February 10, 2016 at 10:35 am
  • Reply Linda Szymoniak

    I would like to know just what’s covered – too often, if you go in for a preventative physical, it’s not covered by most insurances. Vaccinations, too.

    February 10, 2016 at 10:26 am
  • Reply Dandi D

    I really would like to know why it costs so much more to submit to insurance than it does to pay up front out of pocket.

    February 10, 2016 at 8:01 am
  • Reply Kaitlin K.

    I just wish it was all easier to understand and use… This provider seems to make things a lot easier for their customers.

    February 10, 2016 at 7:23 am
  • Reply KK Coleman

    I really don’t have any questions because I pretty much know what is and isn’t covered by my healthcare plan.

    February 10, 2016 at 3:46 am
  • Reply Deborah D

    What my premium is for specialists

    February 10, 2016 at 12:24 am
  • Reply Kayli Butler

    What is covered if I get sick while on vacation?

    February 9, 2016 at 10:38 pm
  • Reply deanna Mancini

    I actually am covered by United health care community plan,and I know what is covered under my plan. I had to research it because I was hospitalized from Oct 9th til Nov 19th with necrotizing fascitis – flesh eating bacteria. It was an almost fatal case. Thankfully my insurance covered everything! Took a lot of stress off of me knowing I wasn’t going to be billed later.

    February 9, 2016 at 8:20 pm
  • Reply Brittany Hardin

    What I don’t get is we get free governmental health care coverage through Medicaid but if we went through marketplace we would pay alot…. I just dont understand that…

    February 9, 2016 at 7:35 pm
  • Reply Jessica Lodge

    I never know which specialist needs a referral and which I can just go directly to.

    February 9, 2016 at 6:23 pm
  • Reply Valerie Z

    We’ve had the same insurance for 10 years. I don’t really have any questions.

    February 9, 2016 at 5:55 pm
  • Reply Rosie

    I have to learn all over again, I had to change plans – again, so I need to find out every bit of information, hopefully in time before I need to use it.

    February 9, 2016 at 4:01 pm
  • Reply Robin Abrams

    My biggest question is what they cover

    February 9, 2016 at 2:38 pm
  • Reply Lauryn R

    Unfortunately I am a single mother of 3 and don’t have insurance. My kids get it but I am too old/too young to qualify.

    February 9, 2016 at 2:12 pm
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