Medicaid and the health insurance marketplace, sometimes called “Obamacare,” are two major ways people can obtain health coverage in the United States. But they have some key differences in terms of how they work, who is eligible, and what benefits they provide. Understanding the distinctions between Medicaid and marketplace plans can help you determine which … Read more
When you have health insurance through UnitedHealthcare, you are assigned a unique policy number. This number helps identify you as a member and provides important details about your specific coverage. Knowing where to find your UnitedHealthcare policy number can be useful when you need to verify your insurance details with healthcare providers or customer service. … Read more
Understanding how coinsurance works with your health insurance deductible is key to estimating your potential out-of-pocket costs. Coinsurance is the percentage you pay for covered medical services after reaching your deductible. So what does 50% coinsurance after deductible mean for your specific health plan? Coinsurance Basics First, let’s review some key terms: Coinsurance – The … Read more
Medicare Advantage plans are private health insurance plans that provide Medicare benefits to beneficiaries who enroll in them. The government pays Medicare Advantage plans a set amount per enrollee per month to provide coverage. This payment system is different from traditional Medicare, where the government pays healthcare providers directly for each service rendered. Understanding how … Read more
Having health insurance is crucial for getting access to healthcare and managing costs. But what if you don’t have a Social Security Number (SSN) and instead have an Individual Taxpayer Identification Number (ITIN)? Can you still get health insurance? The short answer is – yes, in most cases you can get health insurance with an … Read more
Kemper is a national auto insurance provider that offers policies in all 50 states. While the company specializes in high-risk drivers, they also provide insurance for regular drivers as well. If you currently have a car insurance policy through Kemper but want to cancel it, there are a few simple steps you need to take. … Read more
UnitedHealthcare offers a wide range of health insurance plans to employers, individuals, and families. One popular option is the Choice Plus plan, which provides flexible coverage and access to the large UnitedHealthcare network. But is Choice Plus considered a commercial insurance plan? The short answer is yes. UnitedHealthcare Choice Plus is a type of commercial … Read more
Apple Wallet allows you to digitally store things like credit cards, transit passes, event tickets, and more. This provides easy access to them on your iPhone versus carrying around physical cards and documents. A common question among Medicare recipients is – can you add your red, white, and blue Medicare insurance card to Apple Wallet? … Read more
The US healthcare system is complex, with many different organizations and individuals playing important roles. Though the system has significant problems with cost, quality, and equity, major shifts over the past decade are leading healthcare organizations to focus more on keeping people healthy rather than just treating illness. Understanding the key players and their incentives … Read more
Health Savings Accounts (HSAs) are a powerful savings tool that allow you to set aside pre-tax or tax-deductible funds for medical expenses. Many HSA providers issue a debit card that offers convenient access to your HSA balance. A common question is whether this HSA debit card can be used at ATMs. The short answer is … Read more