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Your Benefits Education Portal
Little things make big differences. Pebble thrown into a pond. Oil on a squeaky wheel. You get it. So it makes sense that users who watch just one video per week learn how to save money on their health insurance AND how to navigate the insurance system.
Sound impossible? It’s not. Welcome to INFRMD – the little tool that makes a big difference.
Meet Your Guide
Luke may not look like your typical insurance expert, but with nearly a decade of experience and a relentless passion for engagement & education, he’s the spirit guide you need to navigate the complexities of healthcare. Ready to dive in? Let's go!



Clarity is King
***I'd recommend some copy here about the practics of how to engage with the content on this page.
The Top 25
Which Health Insurance Plan Should I Pick?
How To Reach Your Out-of-Pocket Maximum
What Pharmacies Can I/Should I Use?
Can I Use My Insurance in Any State?
Drug Formularies
Understanding E.O.B.’s
What are Qualifying Events?
Open Enrollment Explained
Pre-Authorization Explained
The Difference Between Embedded & Non-Embedded Deductibles
Stay on My Parents Insurance or Use My Company’s?
Why Use Telemedicine?
Where to Go for Healthcare Services
Copays Explained
Understanding Your Out-of-Pocket Maximum
Coinsurance Explained
Deductibles
Understanding Limited Purpose FSA’s (LPFSA)
Understanding Dependent Care Accounts (DCFSA)
FSA’s Explained
HSA’s Explained
Understanding Claim Denials
The Difference Between In-Network & Out-of-Network
Insurance Networks Explained
Why Have Health Insurance?
When Employees Ask "What Plan Should I Choose?"
What is ERISA?
Staying "Benefits Organized"
Premiums Explained
Pop Plan vs. Wrap Doc
Plan Year vs. Calendar Year
Out Of Pocket Maximum Explained
Networks Explained
Difference Between SBC's and SPD's
Deductibles Explained
Will I Get Punished for Not Having Insurance?
Will I Get Punished for Not Having Insurance?
Why Should I Have Health Insurance?
Why Should I Have Health Insurance?
Who Can Use My HSA Dollars?
Which Pharmacies Can I Go To?
When Does My Insurance Start?
When Can I Get Insurance for My Newborn?
When Can I Get Insurance for My Newborn?
What is Telemedicine?
What is Open Enrollment?
What is Medicare?
What is Medicare?
What is Medicare?
What is Long Term Care (LTC)?
What Is Insurance?
What Is Insurance?
What is Benefits "Eligibility"?
What is Benefits "Eligibility"?
What Is A Grandfathered Health Plan?
What is a Dependent?
What is a Dependent?
What is a Beneficiary?
What Determines My Health Insurance Costs?
What Determines My Health Insurance Costs?
What are Pre-Existing Conditions?
What are Pre-Existing Conditions?
What are Networks?
What Are My Options for Maternity Leave?
What are Accountable Care Organizations (ACO)?
What are 1095 Tax Forms?
What's a Qualifying Life Event?
What's a Qualifying Life Event?
What's a Qualifying Life Event?
What's a Qualifying Life Event?
What's an HSA?
What's an FSA?
What's an Explanation of Benefits (EOB)?
What's a Drug Formulary?
What's a Deductible?
Vision Insurance Explained
Vision Insurance Explained
Use My Parents Insurance or Get My Own?
The Difference Between Inpatient and Outpatient Care
The Difference Between Inpatient and Outpatient Care
Spousal Surcharge Explained
Spousal Surcharge Explained
Should I Pick a High Deductible or Copay Plan?
Should I Go to the ER or Urgent Care?
Short Term Disability (STD)
Short Term Disability (STD)
Pre-Authorization (AKA Prior Auth)
Pre-Authorization (AKA Prior Auth)
Pre-Authorization (AKA Prior Auth)
Pharmacy Shopping Tips & Tricks
Out of Pocket Maximum Explained
Navigating Claim Denials
Navigating Claim Denials
Long Term Disability (LTD)
Long Term Disability (LTD)
Limited Purpose FSA
Levels Of Healthcare Options
Is There Pay for Maternity Leave?
Is There A Missed Payment Grace Period?
Is My Insurance Cheaper If I'm Healthy?
Is My Insurance Cheaper If I'm Healthy?
Is My Doctor In-Network?
Insurance Premiums Explained
Insurance Options for 1099 Employees
Insurance Options for 1099 Employees
Insurance ID Cards
Insurance ID Cards
Insurance Carriers Explained
In Network vs. Out of Network
HSA Rules
How to Merge Multiple HSA's
How to Get Hospital Discounts
How PPO's Work
How Pet Insurance Works
How Life Insurance Works
How Life Insurance Works
How Does Coinsurance Work?
How Does an HRA Work?
How Diabetes Affects Insurance
How Copays Work
How Can I Spend My HSA Money?
Guaranteed Issue Defined
Free Hidden Services
FMLA & How it Affects You
FMLA & How it Affects You
Everything to Know About Claim Denials
Employee Assistance Programs (EAP)
Employee Assistance Programs (EAP)
Employee Assistance Programs (EAP)
Embedded vs. Non-Embedded Deductibles
Embedded vs. Non-Embedded Deductibles
Does My Job Help Pay For Insurance?
Does My Job Help Pay For Insurance?
Does My Job Help Pay For Insurance?
Does My Insurance Work In Any State?
Does My Insurance Work In Any State?
Does My Insurance Cover Maternity Leave?
Does My Health Plan Have Limits On Visits/Services?
Does Insurance Cover Specialty Medications?
Does Insurance Cover Pre-existing Conditions?
Does Insurance Cover Out of State Emergencies?
Does Insurance Cover Hospice or End Of Life Care?
Does Health Insurance Cover Dental Work?
Dependent Care FSA
Dental Insurance Explained
Dental Insurance Explained
COBRA Explained
COBRA Explained
Can I Write Off Insurance Premiums?
Can I Quit My Insurance at Any Time?
Can I Quit My Insurance at Any Time?
Can I Lose My Insurance Coverage If I Leave My Job?
Can I Lose My Insurance Coverage If I Leave My Job?
Can I Get Temporary Insurance?
Can I Get Temporary Insurance?
Can I Get Insurance For Just My Spouse?
Can I Get Insurance for Just My Kids?
Can I Get Insurance as a Part Time Employee?
Can I Get Insurance Any Time During The Year?
Can I Change My Insurance Mid-Year?
Can I Be Denied Health Insurance?
Can I Be Denied Health Insurance?
Are Vaccines & Immunizations Covered?
Are Vaccines & Immunizations Covered?
Are There Discounts For Being Healthy?
AD&D Insurance
"Essential Health Benefits" Explained
Active vs. Passive Enrollment
Which Health Insurance Plan Should I Pick?
3:32
Top 25
How To Reach Your Out-of-Pocket Maximum
3:03
Top 25
What Pharmacies Can I/Should I Use?
2:13
Top 25
Can I Use My Insurance in Any State?
1:32
Top 25
Drug Formularies
2:49
Top 25
Understanding E.O.B.’s
1:53
Top 25
What are Qualifying Events?
1:45
Top 25
Open Enrollment Explained
2:04
Top 25
Pre-Authorization Explained
3:20
Top 25
The Difference Between Embedded & Non-Embedded Deductibles
3:01
Top 25
Stay on My Parents Insurance or Use My Company’s?
2:13
Top 25
Why Use Telemedicine?
1:17
Top 25
Where to Go for Healthcare Services
3:35
Top 25
Copays Explained
1:42
Top 25
Understanding Your Out-of-Pocket Maximum
1:20
Top 25
Coinsurance Explained
1:15
Top 25
Deductibles
1:48
Top 25
Understanding Limited Purpose FSA’s (LPFSA)
2:11
Top 25
Understanding Dependent Care Accounts (DCFSA)
2:17
Top 25
FSA’s Explained
2:15
Top 25
HSA’s Explained
2:17
Top 25
Understanding Claim Denials
1:47
Top 25
The Difference Between In-Network & Out-of-Network
1:46
Top 25
Insurance Networks Explained
1:44
Top 25
Why Have Health Insurance?
1:58
Top 25
When Employees Ask "What Plan Should I Choose?"
02:41
Leadership
What is ERISA?
01:27
Leadership
Staying "Benefits Organized"
01:51
Leadership
Premiums Explained
00:53
Leadership
Pop Plan vs. Wrap Doc
02:34
Leadership
Plan Year vs. Calendar Year
02:18
Leadership
Out Of Pocket Maximum Explained
01:15
Leadership
Networks Explained
02:29
Leadership
Difference Between SBC's and SPD's
02:20
Leadership
Deductibles Explained
01:35
Leadership
Will I Get Punished for Not Having Insurance?
01:14
Getting & Losing Insurance
Will I Get Punished for Not Having Insurance?
01:14
Common Questions
Why Should I Have Health Insurance?
01:10
Benefits 101
Why Should I Have Health Insurance?
01:10
General Education
Who Can Use My HSA Dollars?
00:54
HSA/FSA
Which Pharmacies Can I Go To?
00:57
Networks
When Does My Insurance Start?
00:44
Getting & Losing Insurance
When Can I Get Insurance for My Newborn?
01:00
Common Questions
When Can I Get Insurance for My Newborn?
01:00
Getting & Losing Insurance
What is Telemedicine?
01:08
Healthcare Services & Shopping
What is Open Enrollment?
01:09
Open Enrollment
What is Medicare?
01:49
Getting & Losing Insurance
What is Medicare?
01:49
Family Insurance Questions
What is Medicare?
01:49
Types of Insurance
What is Long Term Care (LTC)?
01:23
Types of Insurance
What Is Insurance?
00:58
Benefits 101
What Is Insurance?
00:58
General Education
What is Benefits "Eligibility"?
00:59
Open Enrollment
What is Benefits "Eligibility"?
00:59
Common Questions
What Is A Grandfathered Health Plan?
01:10
General Education
What is a Dependent?
00:50
Benefits 101
What is a Dependent?
00:50
Getting & Losing Insurance
What is a Beneficiary?
01:19
General Education
What Determines My Health Insurance Costs?
01:54
Benefits 101
What Determines My Health Insurance Costs?
01:54
Common Questions
What are Pre-Existing Conditions?
00:30
Claims
What are Pre-Existing Conditions?
00:30
General Education
What are Networks?
00:59
Networks
What Are My Options for Maternity Leave?
01:38
Common Questions
What are Accountable Care Organizations (ACO)?
01:12
Networks
What are 1095 Tax Forms?
01:36
General Education
What's a Qualifying Life Event?
01:06
General Education
What's a Qualifying Life Event?
01:06
Open Enrollment
What's a Qualifying Life Event?
01:06
Benefits 101
What's a Qualifying Life Event?
01:06
Getting & Losing Insurance
What's an HSA?
00:59
HSA/FSA
What's an FSA?
01:07
HSA/FSA
What's an Explanation of Benefits (EOB)?
01:17
Claims
What's a Drug Formulary?
01:15
Common Questions
What's a Deductible?
01:20
Common Questions
Vision Insurance Explained
01:01
Open Enrollment
Vision Insurance Explained
01:01
Types of Insurance
Use My Parents Insurance or Get My Own?
01:11
Getting & Losing Insurance
The Difference Between Inpatient and Outpatient Care
01:19
General Education
The Difference Between Inpatient and Outpatient Care
01:19
Networks
Spousal Surcharge Explained
00:56
Family Insurance Questions
Spousal Surcharge Explained
00:56
General Education
Should I Pick a High Deductible or Copay Plan?
04:02
Benefits 101
Should I Go to the ER or Urgent Care?
01:41
Healthcare Services & Shopping
Short Term Disability (STD)
01:09
Open Enrollment
Short Term Disability (STD)
01:09
Types of Insurance
Pre-Authorization (AKA Prior Auth)
01:04
Networks
Pre-Authorization (AKA Prior Auth)
01:04
Claims
Pre-Authorization (AKA Prior Auth)
01:04
Healthcare Services & Shopping
Pharmacy Shopping Tips & Tricks
01:45
Healthcare Services & Shopping
Out of Pocket Maximum Explained
01:14
Common Questions
Navigating Claim Denials
01:38
Claims
Navigating Claim Denials
01:38
Healthcare Services & Shopping
Long Term Disability (LTD)
01:14
Open Enrollment
Long Term Disability (LTD)
01:14
Types of Insurance
Limited Purpose FSA
01:22
HSA/FSA
Levels Of Healthcare Options
02:31
Healthcare Services & Shopping
Is There Pay for Maternity Leave?
01:38
Common Questions
Is There A Missed Payment Grace Period?
00:52
Common Questions
Is My Insurance Cheaper If I'm Healthy?
01:24
Common Questions
Is My Insurance Cheaper If I'm Healthy?
01:24
Getting & Losing Insurance
Is My Doctor In-Network?
00:58
Networks
Insurance Premiums Explained
00:55
Open Enrollment
Insurance Options for 1099 Employees
01:47
General Education
Insurance Options for 1099 Employees
01:47
Getting & Losing Insurance
Insurance ID Cards
01:11
General Education
Insurance ID Cards
01:11
Healthcare Services & Shopping
Insurance Carriers Explained
00:50
General Education
In Network vs. Out of Network
01:10
Networks
HSA Rules
01:10
HSA/FSA
How to Merge Multiple HSA's
01:46
HSA/FSA
How to Get Hospital Discounts
01:14
Healthcare Services & Shopping
How PPO's Work
01:23
Networks
How Pet Insurance Works
01:15
Types of Insurance
How Life Insurance Works
01:12
Open Enrollment
How Life Insurance Works
01:12
Types of Insurance
How Does Coinsurance Work?
01:12
Common Questions
How Does an HRA Work?
01:44
General Education
How Diabetes Affects Insurance
00:55
General Education
How Copays Work
01:21
Common Questions
How Can I Spend My HSA Money?
01:09
HSA/FSA
Guaranteed Issue Defined
01:06
General Education
Free Hidden Services
00:59
Healthcare Services & Shopping
FMLA & How it Affects You
01:38
Common Questions
FMLA & How it Affects You
01:38
General Education
Everything to Know About Claim Denials
01:02
Claims
Employee Assistance Programs (EAP)
01:10
General Education
Employee Assistance Programs (EAP)
01:10
Benefits 101
Employee Assistance Programs (EAP)
01:10
Healthcare Services & Shopping
Embedded vs. Non-Embedded Deductibles
02:08
Benefits 101
Embedded vs. Non-Embedded Deductibles
02:08
General Education
Does My Job Help Pay For Insurance?
00:49
Open Enrollment
Does My Job Help Pay For Insurance?
00:49
Common Questions
Does My Job Help Pay For Insurance?
00:49
Getting & Losing Insurance
Does My Insurance Work In Any State?
01:31
Common Questions
Does My Insurance Work In Any State?
01:31
Networks
Does My Insurance Cover Maternity Leave?
00:54
Common Questions
Does My Health Plan Have Limits On Visits/Services?
00:58
Common Questions
Does Insurance Cover Specialty Medications?
02:05
Common Questions
Does Insurance Cover Pre-existing Conditions?
00:32
General Education
Does Insurance Cover Out of State Emergencies?
01:00
Common Questions
Does Insurance Cover Hospice or End Of Life Care?
00:51
Common Questions
Does Health Insurance Cover Dental Work?
01:07
Common Questions
Dependent Care FSA
01:27
HSA/FSA
Dental Insurance Explained
01:08
Open Enrollment
Dental Insurance Explained
01:08
Types of Insurance
COBRA Explained
01:22
General Education
COBRA Explained
01:22
Getting & Losing Insurance
Can I Write Off Insurance Premiums?
01:22
General Education
Can I Quit My Insurance at Any Time?
01:04
Common Questions
Can I Quit My Insurance at Any Time?
01:04
Getting & Losing Insurance
Can I Lose My Insurance Coverage If I Leave My Job?
01:20
Common Questions
Can I Lose My Insurance Coverage If I Leave My Job?
01:20
Getting & Losing Insurance
Can I Get Temporary Insurance?
01:03
Common Questions
Can I Get Temporary Insurance?
01:03
Getting & Losing Insurance
Can I Get Insurance For Just My Spouse?
00:38
General Education
Can I Get Insurance for Just My Kids?
01:17
Family Insurance Questions
Can I Get Insurance as a Part Time Employee?
00:40
Getting & Losing Insurance
Can I Get Insurance Any Time During The Year?
01:04
Getting & Losing Insurance
Can I Change My Insurance Mid-Year?
00:50
Getting & Losing Insurance
Can I Be Denied Health Insurance?
00:54
Common Questions
Can I Be Denied Health Insurance?
00:54
Getting & Losing Insurance
Are Vaccines & Immunizations Covered?
00:50
Common Questions
Are Vaccines & Immunizations Covered?
00:50
Family Insurance Questions
Are There Discounts For Being Healthy?
00:44
Common Questions
AD&D Insurance
00:48
Open Enrollment
"Essential Health Benefits" Explained
00:58
General Education
Active vs. Passive Enrollment
01:16
Open Enrollment