The Learn Center is your library for all things involving healthcare costs, insurance, retirement, and more! Your financial advisory team takes a comprehensive approach to financial planning, which is why they are gathering insights into your personalized healthcare costs through HealthPlanner. The articles below are meant to turn complex healthcare topics into information that is easy to understand.
For Caribou’s Health Insurance Glossary & FAQ, please click here.
Need help understanding your HealthPlanning Analysis? Or enrolling in your chosen plan? Check out our guide below!
HealthPlanning Analysis and Enrollment OverviewThe Basics
Alternatives to Health Insurance: Short-Term Health Insurance and Health-Sharing Ministries
Cost-Sharing Reductions
Drug Formularies Explained
Health Savings Accounts Explained
Healthcare Plan Choices: PPO vs HMO vs EPO vs POS
How to Successfully Build Your New Medical Care Team
In-Network and Out-of-Network Coverage: Understanding Your Access to Providers
Platinum, Gold, Silver, Bronze - The Metal Tiers of Healthcare
Premium Tax Credits
Student Health Insurance - Deciding to Opt-In or Waive
The Patient Protection and Affordable Care Act
Understanding Your Military Benefits
When to Take a Medical Tax Deduction
Which US States Offer PPO Plans on the Marketplace?
Health Insurance for Federal WorkersPre-65/Getting Coverage Through the Marketplace:
COBRA
Dental and Vision Add-ons to Your ACA Plan
Preparing for the Transition from Employer to Marketplace Plan
What is the “Marketplace” or “Exchange”?
When Can I Enroll in a Marketplace Plan?Post-65/Getting Coverage Through Medicare:
Changing Your Medicare Part D Plan (Prescription Drug Plan)
How to Enroll in Medicare When You Turn 65
IRMAA Explained
Late Enrollment Penalty Fees
Medicare Advantage
Medicare Donut Hole
Medicare Supplemental Plans (Medigap)
Medicare Trial Rights
Notice of Medicare Non-Coverage
Parts of Medicare
Preparing for the Transition from Employer to Medicare Insurance
Social Security Disability Benefits
What are Social Security Benefits?
What to Know About the Medicare Enrollment Timelines
Expats and Medicare
Medicare and Mental HealthLife Milestones: Re-evaluating Health Insurance
Re-evaluating Your Health Insurance: Change in Your Health Status or the Loss of a Loved One 
Re-evaluating Your Health Insurance: Changing Job or Relocating
Re-evaluating Your Health Insurance: Going to College and Post-Graduation
Re-evaluating Your Health Insurance: Growing Your Family 
Re-evaluating Your Health Insurance: Retirement and MedicareAdditional Resources
Healthcare Planning Data Insights: Marketplace Open Enrollment
Healthcare Planning Data Insights: Medicare Open Enrollment
‣