Priya Nandakumar
Health insurance, claims, deductibles, and the math of what you actually pay
Austin, TX
Priya Nandakumar covers health insurance and the mechanics of coverage for PolicyNest. With a background in health-policy analysis, she loves turning confusing benefit tables — deductibles, coinsurance, out-of-pocket maximums — into plain numbers you can actually compare. Her guides answer the only question that matters: what will this cost me when I actually use it?
What Priya covers
- HMO vs PPO vs EPO and how networks work
- Deductibles, copays, coinsurance, out-of-pocket max
- Estimating your true annual cost of a plan
- How to file a claim and appeal a denial
- Insurance fundamentals: premiums, limits, and how it all fits together
Articles by Priya
-
HMO vs PPO vs EPO: Which Plan Fits Your Budget and Care Needs?
Compare HMO, PPO, and EPO health plans side-by-side: real 2024 premiums, deductibles, referral rules, and total annual costs. See which fits your care style and budget.
-
How to File an Insurance Claim in 6 Clear Steps
Learn how to file an insurance claim step by step, what documents you need, and what to do if your claim is denied. Plain-English guide for auto, home, and health claims.
-
What Is a Deductible in Health Insurance? (And Why It Matters)
A deductible is the amount you pay before insurance covers its share. Here's how it works, what counts toward it, and how it stacks up against copays and out-of-pocket