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
Finding out that Medicare has denied a claim for medical services can be stressful and confusing. As a Medicare beneficiary, you want to receive the health services you need. But you don’t want to be stuck with a big bill if Medicare refuses to pay. This article will explain what happens when Medicare denies a … Read more
Long-term care insurance can be an important component of planning for future care needs. But paying ongoing premiums for a policy can seem burdensome. Many people wonder – can you pay for long-term care insurance upfront in a lump sum rather than paying premiums for life? The answer is yes, some long-term care insurance policies … Read more
Medicare and Medicaid are two major public health insurance programs in the United States that provide coverage for specific populations. But what percentage of Americans are actually enrolled in these programs? Let’s take a closer look at the latest statistics on Medicare and Medicaid enrollment. A Brief Overview of Medicare and Medicaid First, a quick … Read more
Many Americans have Medicare along with some other type of health insurance. This is commonly referred to as having dual coverage. The most common types of additional coverage that people pair with Medicare are employer group health plans, Medicare Supplement Insurance (Medigap), Medicaid, TRICARE, and Veterans Affairs (VA) health benefits. Let’s take a closer look … Read more
For many Americans age 65 and over, Medicare plays a crucial role in providing health coverage and reducing the cost of care. However, Medicare does not cover 100% of medical expenses. There are still often significant out-of-pocket costs that Medicare beneficiaries must pay. Let’s take a closer look at what costs Medicare covers, what gaps … Read more
When shopping for car insurance, you’ll often see references to numbers like “50/100/50” when it comes to liability coverage limits. But what do these numbers actually mean and how do they impact your policy? Let’s take a closer look at what 50/100/50 liability limits represent, how this standard split limit structure works, and why it’s … Read more
Having a bright, white smile can give you a big confidence boost. Teeth whitening strips are a popular over-the-counter option for whitening your teeth at home. But can these strips be paid for with a health savings account (HSA)? Let’s take a closer look at whether teeth whitening qualifies as an HSA-eligible expense and specifically … Read more
Over-the-counter (OTC) benefit cards have become a popular addition to many Medicare Advantage plans in recent years. These prepaid debit cards give members a quarterly or monthly allowance that can be used to purchase approved OTC health and wellness products. If you have an OTC card, you may be wondering – what can I actually … 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