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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
Liderazgo
What is ERISA?
01:27
Liderazgo
Staying "Benefits Organized"
01:51
Liderazgo
Premiums Explained
00:53
Liderazgo
Pop Plan vs. Wrap Doc
02:34
Liderazgo
Plan Year vs. Calendar Year
02:18
Liderazgo
Out Of Pocket Maximum Explained
01:15
Liderazgo
Networks Explained
02:29
Liderazgo
Difference Between SBC's and SPD's
02:20
Liderazgo
Deductibles Explained
01:35
Liderazgo
Will I Get Punished for Not Having Insurance?
01:14
Obteniendo y perdiendo seguro
Will I Get Punished for Not Having Insurance?
01:14
Preguntas Comunes
Why Should I Have Health Insurance?
01:10
Beneficios 101
Why Should I Have Health Insurance?
01:10
Educación General
Who Can Use My HSA Dollars?
00:54
HSA/FSA
Which Pharmacies Can I Go To?
00:57
Redes
When Does My Insurance Start?
00:44
Obteniendo y perdiendo seguro
When Can I Get Insurance for My Newborn?
01:00
Preguntas Comunes
When Can I Get Insurance for My Newborn?
01:00
Obteniendo y perdiendo seguro
What is Telemedicine?
01:08
Servicios de salud y compras
What is Open Enrollment?
01:09
Inscripción Abierta
What is Medicare?
01:49
Obteniendo y perdiendo seguro
What is Medicare?
01:49
Preguntas sobre el seguro familiar
What is Medicare?
01:49
Tipos de Seguro
What is Long Term Care (LTC)?
01:23
Tipos de Seguro
What Is Insurance?
00:58
Beneficios 101
What Is Insurance?
00:58
Educación General
What is Benefits "Eligibility"?
00:59
Inscripción Abierta
What is Benefits "Eligibility"?
00:59
Preguntas Comunes
What Is A Grandfathered Health Plan?
01:10
Educación General
What is a Dependent?
00:50
Beneficios 101
What is a Dependent?
00:50
Obteniendo y perdiendo seguro
What is a Beneficiary?
01:19
Educación General
What Determines My Health Insurance Costs?
01:54
Beneficios 101
What Determines My Health Insurance Costs?
01:54
Preguntas Comunes
What are Pre-Existing Conditions?
00:30
Reclamaciones
What are Pre-Existing Conditions?
00:30
Educación General
What are Networks?
00:59
Redes
What Are My Options for Maternity Leave?
01:38
Preguntas Comunes
What are Accountable Care Organizations (ACO)?
01:12
Redes
What are 1095 Tax Forms?
01:36
Educación General
What's a Qualifying Life Event?
01:06
Educación General
What's a Qualifying Life Event?
01:06
Inscripción Abierta
What's a Qualifying Life Event?
01:06
Beneficios 101
What's a Qualifying Life Event?
01:06
Obteniendo y perdiendo seguro
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
Reclamaciones
What's a Drug Formulary?
01:15
Preguntas Comunes
What's a Deductible?
01:20
Preguntas Comunes
Vision Insurance Explained
01:01
Inscripción Abierta
Vision Insurance Explained
01:01
Tipos de Seguro
Use My Parents Insurance or Get My Own?
01:11
Obteniendo y perdiendo seguro
The Difference Between Inpatient and Outpatient Care
01:19
Educación General
The Difference Between Inpatient and Outpatient Care
01:19
Redes
Spousal Surcharge Explained
00:56
Preguntas sobre el seguro familiar
Spousal Surcharge Explained
00:56
Educación General
Should I Pick a High Deductible or Copay Plan?
04:02
Beneficios 101
Should I Go to the ER or Urgent Care?
01:41
Servicios de salud y compras
Short Term Disability (STD)
01:09
Inscripción Abierta
Short Term Disability (STD)
01:09
Tipos de Seguro
Pre-Authorization (AKA Prior Auth)
01:04
Redes
Pre-Authorization (AKA Prior Auth)
01:04
Reclamaciones
Pre-Authorization (AKA Prior Auth)
01:04
Servicios de salud y compras
Pharmacy Shopping Tips & Tricks
01:45
Servicios de salud y compras
Out of Pocket Maximum Explained
01:14
Preguntas Comunes
Navigating Claim Denials
01:38
Reclamaciones
Navigating Claim Denials
01:38
Servicios de salud y compras
Long Term Disability (LTD)
01:14
Inscripción Abierta
Long Term Disability (LTD)
01:14
Tipos de Seguro
Limited Purpose FSA
01:22
HSA/FSA
Levels Of Healthcare Options
02:31
Servicios de salud y compras
Is There Pay for Maternity Leave?
01:38
Preguntas Comunes
Is There A Missed Payment Grace Period?
00:52
Preguntas Comunes
Is My Insurance Cheaper If I'm Healthy?
01:24
Preguntas Comunes
Is My Insurance Cheaper If I'm Healthy?
01:24
Obteniendo y perdiendo seguro
Is My Doctor In-Network?
00:58
Redes
Insurance Premiums Explained
00:55
Inscripción Abierta
Insurance Options for 1099 Employees
01:47
Educación General
Insurance Options for 1099 Employees
01:47
Obteniendo y perdiendo seguro
Insurance ID Cards
01:11
Educación General
Insurance ID Cards
01:11
Servicios de salud y compras
Insurance Carriers Explained
00:50
Educación General
In Network vs. Out of Network
01:10
Redes
HSA Rules
01:10
HSA/FSA
How to Merge Multiple HSA's
01:46
HSA/FSA
How to Get Hospital Discounts
01:14
Servicios de salud y compras
How PPO's Work
01:23
Redes
How Pet Insurance Works
01:15
Tipos de Seguro
How Life Insurance Works
01:12
Inscripción Abierta
How Life Insurance Works
01:12
Tipos de Seguro
How Does Coinsurance Work?
01:12
Preguntas Comunes
How Does an HRA Work?
01:44
Educación General
How Diabetes Affects Insurance
00:55
Educación General
How Copays Work
01:21
Preguntas Comunes
How Can I Spend My HSA Money?
01:09
HSA/FSA
Guaranteed Issue Defined
01:06
Educación General
Free Hidden Services
00:59
Servicios de salud y compras
FMLA & How it Affects You
01:38
Preguntas Comunes
FMLA & How it Affects You
01:38
Educación General
Everything to Know About Claim Denials
01:02
Reclamaciones
Employee Assistance Programs (EAP)
01:10
Educación General
Employee Assistance Programs (EAP)
01:10
Beneficios 101
Employee Assistance Programs (EAP)
01:10
Servicios de salud y compras
Embedded vs. Non-Embedded Deductibles
02:08
Beneficios 101
Embedded vs. Non-Embedded Deductibles
02:08
Educación General
Does My Job Help Pay For Insurance?
00:49
Inscripción Abierta
Does My Job Help Pay For Insurance?
00:49
Preguntas Comunes
Does My Job Help Pay For Insurance?
00:49
Obteniendo y perdiendo seguro
Does My Insurance Work In Any State?
01:31
Preguntas Comunes
Does My Insurance Work In Any State?
01:31
Redes
Does My Insurance Cover Maternity Leave?
00:54
Preguntas Comunes
Does My Health Plan Have Limits On Visits/Services?
00:58
Preguntas Comunes
Does Insurance Cover Specialty Medications?
02:05
Preguntas Comunes
Does Insurance Cover Pre-existing Conditions?
00:32
Educación General
Does Insurance Cover Out of State Emergencies?
01:00
Preguntas Comunes
Does Insurance Cover Hospice or End Of Life Care?
00:51
Preguntas Comunes
Does Health Insurance Cover Dental Work?
01:07
Preguntas Comunes
Dependent Care FSA
01:27
HSA/FSA
Dental Insurance Explained
01:08
Inscripción Abierta
Dental Insurance Explained
01:08
Tipos de Seguro
COBRA Explained
01:22
Educación General
COBRA Explained
01:22
Obteniendo y perdiendo seguro
Can I Write Off Insurance Premiums?
01:22
Educación General
Can I Quit My Insurance at Any Time?
01:04
Preguntas Comunes
Can I Quit My Insurance at Any Time?
01:04
Obteniendo y perdiendo seguro
Can I Lose My Insurance Coverage If I Leave My Job?
01:20
Preguntas Comunes
Can I Lose My Insurance Coverage If I Leave My Job?
01:20
Obteniendo y perdiendo seguro
Can I Get Temporary Insurance?
01:03
Preguntas Comunes
Can I Get Temporary Insurance?
01:03
Obteniendo y perdiendo seguro
Can I Get Insurance For Just My Spouse?
00:38
Educación General
Can I Get Insurance for Just My Kids?
01:17
Preguntas sobre el seguro familiar
Can I Get Insurance as a Part Time Employee?
00:40
Obteniendo y perdiendo seguro
Can I Get Insurance Any Time During The Year?
01:04
Obteniendo y perdiendo seguro
Can I Change My Insurance Mid-Year?
00:50
Obteniendo y perdiendo seguro
Can I Be Denied Health Insurance?
00:54
Preguntas Comunes
Can I Be Denied Health Insurance?
00:54
Obteniendo y perdiendo seguro
Are Vaccines & Immunizations Covered?
00:50
Preguntas Comunes
Are Vaccines & Immunizations Covered?
00:50
Preguntas sobre el seguro familiar
Are There Discounts For Being Healthy?
00:44
Preguntas Comunes
AD&D Insurance
00:48
Inscripción Abierta
"Essential Health Benefits" Explained
00:58
Educación General
Active vs. Passive Enrollment
01:16
Inscripción Abierta