Health Care Decoded

ALBANY, N.Y., Jan. 22, 2015 (GLOBE NEWSWIRE) -- From FSAs to HRAs, coinsurance to co-pays, health insurance can be downright confusing. Hoping to help people sort through it all, CDPHP has launched Health Care Decoded, a health literacy campaign that simplifies some of the most complex terms.

Whether you're a seasoned health care consumer or purchasing coverage for the first time, Health Care Decoded offers real-world examples for some of the most complicated terminology, including:

  • Deductible
  • Co-pay
  • Coinsurance
  • Formulary
  • Premium
  • HRA and FSA
  • ER, Urgent Care, or PCP?

Recent studies have shown that more than half of all Americans don't understand common health insurance terms. The issue is concerning for all of us, but especially for those who are enrolling in coverage for the first time through the Affordable Care Act and expanded Medicaid programs.

"Long gone are the days when Americans relied solely on their HR department to answer their health insurance questions," said Ali Skinner, director of public relations for CDPHP. "As more and more people purchase coverage through the online marketplace, they'll need to better understand these concepts to make the most informed choices about their care," added Skinner.

Have a health care topic you'd like decoded? Tell us about it at

About CDPHP®

Established in 1984, CDPHP is a physician-founded, member-focused and community-based not-for-profit health plan that offers high-quality affordable health insurance plans to members in 24 counties throughout New York. CDPHP is also on Facebook, Twitter, LinkedIn and Pinterest.

A photo accompanying this release is available at:

CONTACT: Ali Skinner Director of Public Relations, CDPHP 518-605-4497

Source:Capital District Physicians' Health Plan, Inc.