Health

Demystifying Health Insurance: Insights from Celia Reeves for Making Informed Choices for Better Care

Published

10 months ago

October 19, 2024

Making informed choices for better care starts with a clear understanding of your options and a careful evaluation to ensure the best possible outcomes. Health insurance plays a crucial role in mitigating the risk of accumulating medical debt. To make the most informed decisions, begin by consulting reliable sources and seeking expert opinions. Engaging with healthcare professionals to discuss your specific needs and preferences allows you to weigh the benefits, risks, and costs associated with each option. Additionally, staying updated on the latest advancements and treatments is essential. By actively participating in the decision-making process and staying well-informed, you can enhance your care experience and achieve more personalized, effective results.

Navigating the complex world of health insurance can be daunting, given the wide array of plans and their intricate details. Yet, understanding the different types of health insurance policies and their implications is crucial for making informed decisions that not only enhance the quality of your care but also safeguard you against unexpected medical expenses. Alarmingly, about four in ten adults (41%) report being burdened by debt from unpaid medical or dental bills. The high cost of care is a significant barrier, with 9.3% of adults in 2022 avoiding doctor visits due to financial concerns. Simplifying these key aspects of health insurance—such as various plan types, common pitfalls, and effective strategies for selecting the most suitable coverage—is essential for better financial and health outcomes.

Amidst these complexities, Celia Reeves, also known as Celia “Cici” Reeves, the dynamic CEO and founder of Medical Coding Mama, provides a powerful example of how personal experiences can shape professional expertise. As CEO of Medical Coding Mama, Celia’s journey began with a profound personal experience: the support she received from doctors during her late husband’s battle with cancer. Inspired by this, she pursued a career in medical coding, dedicating herself to her studies and earning national certification in 2009. Her career flourished in Tucson, Arizona, where she worked with the state’s first female urologist and later founded Medical Coding Mama in 2016.

This venture allowed her to combine her coding knowledge with her experiences as a single parent, furthering her impact on the medical coding community. Today, Celia continues to excel in her field, finding joy in Arizona sunsets and spending time with her teenage daughter, all while contributing significantly to the medical coding community. Her story underscores the tangible effects of healthcare on individuals’ lives, bridging the gap between the abstract intricacies of insurance and the real-world impact of medical care.

Types of Health Insurance Plans

Health insurance plans come in various forms, with Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs) being two of the most common.

HMOs require members to choose a primary care physician (PCP) and get referrals from this PCP to see specialists. While these plans often have lower premiums and out-of-pocket costs, they limit access to healthcare providers within the HMO’s network.
PPOs on the other hand, offer greater flexibility. Members can see any healthcare provider without a referral, though staying within the network reduces out-of-pocket costs. PPOs typically have higher premiums but provide more freedom in selecting providers and accessing services.

Another option is Co-operative health plans (co-ops), which are member-run organizations operating on a non-profit basis. These plans can offer more affordable coverage through collective bargaining, but they vary significantly in structure and coverage, making thorough research essential.

Avoiding Unexpected Medical Bills

Celia highlights the importance of thoroughly understanding your health insurance policy to prevent unexpected medical expenses. “I admit, the policy can be tedious to read, but skipping it can lead to more trouble than it’s worth. It will clearly outline what’s covered and what isn’t,” she explains.

She advises reviewing your coverage details to understand which services, treatments, and medications are included. Pay close attention to whether your plan uses in-network or out-of-network providers, as opting for out-of-network care often results in higher costs. Additionally, familiarize yourself with deductibles, copayments, and coinsurance rates to better budget for medical expenses and avoid financial surprises.

Common Pitfalls in Choosing a Health Insurance Plan

One significant pitfall is choosing a plan based solely on its cost. While lower premiums may be appealing, they often come with trade-offs like higher deductibles or limited coverage. Another common mistake is not fully understanding what is covered under the policy. This can lead to discovering gaps in coverage only after incurring medical expenses.

To avoid these issues, focus on “non-negotiables”—the crucial services and benefits that must be included in your plan based on your health needs. Prioritizing these ensures that your chosen plan adequately covers necessary treatments and services.

Comparing Health Insurance Plans

When selecting a health insurance plan, Celia emphasizes the importance of considering several key factors to ensure you choose the one that best fits your needs.

First, be transparent about any pre-existing conditions to evaluate how effectively the plan addresses your specific health concerns. Next, verify that the plan covers your medications and understand how these are categorized in the formulary, as this will influence your out-of-pocket expenses. Additionally, compare the plan’s coverage options for specialist care, emergency services, and preventive care to ensure it aligns with your overall healthcare requirements.

Resources for Understanding Health Insurance

Understanding your health insurance benefits becomes much simpler with the right resources. As Celia advises, don’t hesitate to reach out to the insurance professionals who sold you the policy—they’re there to answer your questions and can act as a crucial link between you and the insurer, especially if any issues arise with your coverage. The Summary of Benefits and Coverage (SBC) is another essential tool, offering a clear overview of key policy details to help you quickly grasp the important features and limitations. Additionally, online tools and calculators allow you to compare different plans based on your specific health needs and financial situation, ensuring you select the best option for your circumstances.

Making informed choices about health insurance involves understanding the types of plans available, recognizing the importance of policy details, and being aware of common pitfalls. By carefully comparing options and utilizing available resources, you can select a plan that best meets your healthcare needs and financial constraints.

Health

The Scientist as Storyteller: How Steven Quay Makes Complex Medicine Relatable

Published

1 month ago

July 23, 2025

Michelle Langton

Scientific discovery often struggles to reach the people it is meant to serve. The distance between research and public understanding can be vast. For most scientists, publishing in peer-reviewed journals is the endpoint. For Dr. Steven Quay, it is only the beginning. His career has been defined not just by what he has discovered, but by how he communicates it.

Scientific trust today faces growing skepticism and misinformation spreads faster than facts, Quay has embraced a rare role. He is both a scientist and a storyteller. His ability to bridge the technical and the human is what makes his voice resonate across disciplines, institutions, and communities.

Writing as a Lens into the Human Side of Science

One of the clearest examples of Quay’s narrative instinct lies in his writing. He has authored three major books, each rooted in a different part of his life and expertise. Together, they show how a medical researcher can also be an accessible public thinker.

In Stay Safe: A Physician’s Guide to Survive Coronavirus, published June 5, 2020, during the first days of the pandemic, Quay offered plainspoken, evidence-based guidance on protecting oneself and one’s family. It was not framed as a political statement or a policy directive. It was personal and grounded in the daily realities people faced. He wrote it not just as a scientist, but as someone who wanted to help others navigate a frightening time with clarity and calm.

His second book, The Origin of the Virus, tackled a more complex and controversial subject: the question of how SARS-CoV-2 emerged. Rather than speculate, Quay walked readers through the scientific evidence with the kind of transparency that is often lacking in public discourse. The tone was methodical, never alarmist. What set the book apart was its balance, engaging to a lay reader, yet rigorous enough to be taken seriously by professionals.

Then there is A Ride Through Northville, a deeply personal departure from the world of virology and oncology. Here, Quay revisits his childhood in Michigan, capturing the streets, friendships, and quiet moments that shaped him long before he entered a lab. The structure of the book mimics the experience of riding a bike through town, evoking memory not as a chronology, but as a sensory journey. For a scientist whose career has involved high-stakes research and global debates, this book offers a rare window into the reflective, grounded person behind the work.

Speaking Clearly Without Speaking Down

Quay’s communication skill is not limited to the written word. He has also become a frequent guest on health-focused podcasts and a speaker at public science forums. His TEDx talk on breast cancer prevention is one of the most viewed videos on the subject, and for good reason. He does not rely on drama or abstract theory. Instead, he explains mammographic density, hormonal risk, and clinical trial design in a way that makes the science both comprehensible and actionable.

In interviews, Quay has a habit of slowing things down. He avoids jargon unless he defines it. He is comfortable saying, “We don’t know yet,” which, in the realm of public science, is a kind of honesty that builds trust. He often discusses Atossa Therapeutics’ trials in plain terms, describing how experimental drugs like (Z)-endoxifen might help certain patients respond better to treatment. He emphasizes that these are ongoing studies, not marketing pitches, which sets him apart from many biotech executives.

Educating the Public Without Oversimplifying

One of the challenges of public-facing science is resisting the urge to oversimplify. Many well-intentioned scientists flatten complexity to fit the constraints of social media or mainstream news. Quay does not follow that path. He explains mechanisms and hypotheses with nuance, trusting that readers and listeners are capable of understanding more than they are often given credit for.

His social media presence reflects the same philosophy. He shares articles and research updates, but rarely with alarm or bravado. When he comments on current medical debates, he tends to lead with evidence rather than opinion. That steady tone has earned him a following that spans across ideological and professional divides.

During the pandemic, this approach stood out. While others chased headlines, Quay focused on distilling evolving guidance into practical advice. He acknowledged the limits of current knowledge, updated his views as new data emerged, and emphasized science as an iterative process. His voice became one that many people turned to not for certainty, but for clarity.

A Scientist’s Responsibility Beyond the Lab

Quay has often said that science does not exist in isolation. It is part of society. That belief informs why he writes, speaks, and engages in public discourse as actively as he does. He sees the scientist’s role not just as a producer of knowledge, but as a custodian of its meaning.

He has testified before the U.S. Congress and advised the State Department, not as a politician but as a physician-scientist committed to accuracy. In each case, his contribution has been grounded in data but shaped by a recognition of the human implications of policy and research.

This is especially evident in his work on breast cancer. By advocating for better screening tools and more personalized treatments, Quay speaks not only to clinicians and investors but to women facing real fears about their health. He explains the science behind mammographic density and hormonal modulation not just with charts, but with stories about what those risks mean in someone’s life.

Storytelling as a Form of Service

What makes Quay’s communication style compelling is that it never feels performative. He is not branding himself or building a media empire. He is doing what he believes scientists should do: make their work useful.

In every form of his storytelling, from the deeply personal to the technically specific, there is a throughline of responsibility. He understands that science touches people’s lives in ways that go far beyond the lab. For him, that means speaking clearly, writing honestly, and never underestimating the audience.