Doxcost - The Ultimate Guide To Health Insurance

Scott W. Dowling

Healthcare is not Health Insurance. Knowing the difference can save you money and frustration. Scott W. Dowling provides 30 years of knowledge and experience to offer individuals, employees and employers the education and information that they need in order to lower the amount of money spent on health insurance while keeping themselves and their families 100% covered. Scott happily answers all of your questions in a straightforward and easy to understand way.

  1. JAN 25

    You Have A Health Savings Account! Now What?

    041 - You Have A Health Savings Account!  Now What? explains how to get the most from your HSA now and into the future, for both beginners and those who want to be better with money when it comes to savings and healthcare. Scott looks at HSAs in entirely different way from how newly-hired 20-something year olds choose their health plan to who can contribute to your HSA (they are many!) FREE MONEY - there is a lot to be had when your HSA is funded to your advantage.   When you deposit the maximum amount available, you could see at least another $1,000+ returned to you by Uncle Sam.  Just for making a deposit from money you might have had in a different savings account. Your HSA saves you money for the long term and today.  Don’t miss the huge discounts you get when you buy things today that you already need.  Instead of paying like you usually do, pay with your HSA and get the discount, at least 28% and up to over 50% depending on your current tax bracket.  Overpaying today for things that you need is just plain goofy and it is money you will never get back! Book a One on One with Scott now! Click the link below! Not sure which health plan fits you best? [Pick My Best Plan - Book 1:1] New to or want to better start saving tax-free? [Start My HSA The Smart Way - Book Now]

    30 min

  2. JAN 21

    What Is An Association Health Plan And What Can It Do For Me?

    040 What Is An Association Health Plan And What Can It Do For Me explains what kinds of associations can offer group health plans if Congress can pass along the same exemption from state insurance laws to associations that it already provides to employer, union and federal government groups through ERISA. Association Health Plans eliminate the problem of job-lock for people who wish o change jobs but cannot afford to lose their insurance.  Association Health Plans align incentives to receive better care from associations and affinity groups that exist to serve them - not shareholders or corporate administrators. Association Health Plans offer an extremely wide variety of choices for people to seek health plans that best serve them at the price they can afford. Association Health Plans drive down prices due to fierce competition among a huge increase in available plans and from a huge increase in the number of suppliers. Book a One on One with Scott now! Click the link below! Not sure which health plan fits you best? [Pick My Best Plan - Book 1:1] New to or want to better start saving tax-free? [Start My HSA The Smart Way - Book Now]

    25 min

  3. 11/14/2025

    Direct Primary Care - What Is It? What Can It Do For Me?

    039 - Direct Primary Care - What Is It?  What Can It Do For Me? explains a (sort of) new way to receive care from your doctor. As many doctors move away from so-called networks and health systems to open independent private practice, they have structured their new practices to operate under a subscription model for their patients. Patients pay a monthly, quarterly or annual fee and in return have complete access to a doctors services, as needed. The American Academy of Family Physicians describes the model on their website. Book a One on One with Scott now! Click the link below! Not sure which health plan fits you best? [Pick My Best Plan - Book 1:1] New to or want to better start saving tax-free? [Start My HSA The Smart Way - Book Now]

    20 min

  4. 11/11/2025

    When It Comes To Health Insurance, Don’t Listen To Your Doctor

    038 When It Comes To Health Insurance, Don’t Listen To Your Doctor explains why your health insurance remains valid even though your doctor states that they no longer “take insurance”. Your health insurance contract has absolutely nothing to do with your doctor or the hospital or the pharmacy.....even though they will explain to you that it is the insurance company at fault for all kinds of issues that affect how and when you can receive treatment. Scott explains that the contract that the doctor, hospital and pharmacy are constrained by is a Provider Contract or Provider Agreement.  The Provider Agreement may state that it is by and between the doctor/hospital/pharmacy and a named insurance company and its affiliates, but it is completely separate and distinct from the contract you or your employer has that provides your insurance/health plan that pays you as the beneficiary of your policy. Book a One on One with Scott now! Click the link below! Not sure which health plan fits you best? [Pick My Best Plan - Book 1:1] New to or want to better start saving tax-free? [Start My HSA The Smart Way - Book Now]

    23 min

  5. 10/31/2025

    How You Can Control Your Healthcare Costs

    #037 How You Can Control Your Healthcare Costs explains how your premium costs are a direct reflection of the amounts paid to doctors, hospitals and pharma and what you can do to help yourself lower your costs by comparing. It’s Open Enrollment season.  Confused? You can only control what you can control.  If you need help, ring me up at scottwdowling@scottwdowling.com Help yourself by checking healthcare prices.  Two great spots to look and keep your doctor and hospital honest: Surgery Center of Oklahoma Mark Cuban Cost Plus Drugs Watch Dr. Keith Smith and Mark Cuban testify before Senate Committee on Aging Is your HSA set up correctly?  If you don’t know and want to get ready for 2026, keep an eye out for my upcoming workshop.  Check your balances now and what your plan’s maximum out of pocket is for next calendar year.  Don’t miss out on saving the most you can with your HSA!  Workshop coming up in late November and early December. Follow me on X: @scottwdowling and @doxcost Book a One on One with Scott now! Click the link below! Not sure which health plan fits you best? [Pick My Best Plan - Book 1:1] New to or want to better start saving tax-free? [Start My HSA The Smart Way - Book Now]

    24 min

  6. 10/09/2023

    Power To The Patients - Why You Need To See Prices

    #036 Power To The Patients - Why You Need To See Prices explains why Hip Hop artists Fat Joe, Rick  Ross, Busta Rhymes, Method Man, French Montana and Chuck D are spot on in the public service announcement demanding price transparency in health care. Watch the PSA here Book a One on One with Scott now! Click the link below! Not sure which health plan fits you best? [Pick My Best Plan - Book 1:1] New to or want to better start saving tax-free? [Start My HSA The Smart Way - Book Now]

    21 min

  7. 10/02/2023

    Is Your HSA Ready For Next Year?

    #034 Is Your HSA Ready For Next Year explains the steps you need to take now to be prepared for January 1st so that your HSA has you 100% covered for the entire year. Book a One on One with Scott now! Click the link below! Not sure which health plan fits you best? [Pick My Best Plan - Book 1:1] New to or want to better start saving tax-free? [Start My HSA The Smart Way - Book Now]

    24 min

  8. 05/04/2023

    Why You Need To Tell Your CEO You Want Fountain Health!

    #035 - Why You Need To Tell Your CEO You Want Fountain Health explains why you need to speak up so that you and your family can be healthy and well with the proactive and preventative benefits from Fountain Health compared to what you only have now. Book a One on One with Scott now! Click the link below! Not sure which health plan fits you best? [Pick My Best Plan - Book 1:1] New to or want to better start saving tax-free? [Start My HSA The Smart Way - Book Now]

    21 min
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About

Healthcare is not Health Insurance. Knowing the difference can save you money and frustration. Scott W. Dowling provides 30 years of knowledge and experience to offer individuals, employees and employers the education and information that they need in order to lower the amount of money spent on health insurance while keeping themselves and their families 100% covered. Scott happily answers all of your questions in a straightforward and easy to understand way.

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