Mold can be a serious problem in any home. Not only can it damage your property, but it can also lead to health issues for you and your family. That’s why it’s important to understand your homeowners insurance policy’s coverage when it comes to mold. What Is Mold? Mold is a type of fungus that … Read more
If you participate in a medical flexible spending account (FSA) through your employer, you’ll be happy to know the contribution limit is increasing for 2023. The IRS recently announced cost-of-living adjustments that include a boost to the maximum amount you can contribute pre-tax to a medical FSA. Understanding the new 2023 FSA limits can help … Read more
UnitedHealthcare and Freedom Life Insurance Company have an affiliation through their parent organization USHEALTH Group. Freedom Life Insurance operates as a subsidiary of USHEALTH Group, which is a UnitedHealthcare company. While this relationship exists, it’s important to understand the structure and operations of each company. This article will explain the connection between UnitedHealthcare, USHEALTH Group, … Read more
Understanding how deductibles and out-of-pocket maximums work with your health insurance plan is key to knowing what to expect to pay when you need medical care. Meeting your annual deductible is a common occurrence for many people. But reaching your out-of-pocket maximum generally only happens in years when you have significant medical expenses. So what … Read more
When it comes to health insurance, HMO and PPO are two common plan types you’ll encounter. But what exactly do they mean and what are the key differences between HMO and PPO plans? This comprehensive guide will explain what you need to know. HMO Plans HMO stands for “Health Maintenance Organization.” With an HMO plan, … Read more
Preferred provider organization (PPO) plans are a popular type of health insurance in the United States. PPO plans offer flexibility in choosing healthcare providers while also providing access to discounted rates through a network of preferred providers. As healthcare costs continue to rise, many people are looking for ways to save money on their medical … Read more
The America’s Health Insurance Plans (AHIP) Medicare and Fraud, Waste and Abuse (FWA) training is required annually for insurance agents who want to sell Medicare Advantage and Part D prescription drug plans. For 2024 plan year enrollment, the new AHIP certification course opened on June 21, 2023. If you need to complete AHIP training to … Read more
Deciding when to start taking Social Security benefits is one of the most important financial decisions you’ll make in retirement. You can start as early as age 62 or delay benefits up to age 70. But claiming benefits before your full retirement age (currently 66 or 67 depending on your birth year) results in a … Read more
Physician assistants (PAs) have become integral providers in the healthcare system. But what exactly is a PA and why are they so vital? This article will explain what physician assistants do, their role and responsibilities, why the career is growing so rapidly, and the many benefits PAs bring to healthcare teams and patient care. What … Read more
When selecting health insurance, two popular options are health savings accounts (HSAs) and health maintenance organizations (HMOs). But why choose an HSA over an HMO? While both can help lower your healthcare costs, HSAs and HMOs work very differently. Understanding the key differences between these two account types can help you determine which offers the … Read more