The IDV or Insured Declared Value of your car plays a vital role in determining the premium you pay for your car insurance policy. It is also crucial in deciding the claim settlement amount in case of total loss or theft of your vehicle. As your car grows older, its market value decreases due to … Read more
If you are buying or renewing auto insurance, you may come across terminology like “10/20/10” coverage. This refers to a typical split limit liability coverage combination. But what exactly does 10/20/10 mean in auto insurance and why is it important? This article will explain it in simple terms. What are Liability Limits in Car Insurance? … Read more
Anthem is one of the largest health insurance providers in the U.S. and a major player in the Medicare Advantage market. However, Anthem Medicare Advantage plans are not available nationwide. They are only offered in 14 specific states. What are the 14 Anthem states? Let’s examine the coverage footprint of Anthem’s Medicare Advantage plans across … Read more
Choosing between a PPO high and PPO standard health insurance plan can be confusing. While both are preferred provider organization plans that offer access to care within a network of healthcare providers, there are some key differences. This article will explain what PPO high and PPO standard mean, compare the two plans, and provide tips … Read more
Progressive’s loyalty program offers various benefits and discounts to customers who have been with them for years. One of the higher status levels in this program is called Diamond Level Progressive. This article will explain everything you need to know about Diamond Level Progressive, including: Overview of Progressive’s Loyalty Program Requirements to Reach Diamond Level … Read more
Preferred provider organizations (PPOs) have become a popular type of health insurance plan in the United States. PPOs give members flexibility in choosing healthcare providers while still receiving coverage from their insurance. But not all PPOs are created equal. If you’re looking for a large, established PPO network, then MultiPlan is the one you need … Read more
Health maintenance organizations (HMOs) are a common type of health insurance plan in the United States. However, some doctors have reservations about accepting and working with HMO plans. There are a few key reasons why many physicians do not like HMOs or prefer other insurance options like PPOs. What is an HMO? First, let’s review … Read more
When it comes to health insurance, understanding the different plan types can be confusing. UHC Choice Plus is a common insurance plan offered by many employers. But is it a PPO or POS plan? What exactly is the difference between PPO and POS anyway? This comprehensive guide examines UHC Choice Plus and explains how to … Read more
Dealing with medical bills can be confusing, especially when seeing out-of-network doctors. You may wonder – can my doctor charge me more than my insurance allows? The short answer is sometimes. There are important protections in place to limit surprise medical bills and balance billing in certain situations. However, out-of-network providers may still charge you … Read more
Purchasing life insurance is an important part of financial planning. But what happens if the policy owner passes away before the insured person? This situation can create complications if the policy ownership has not been properly arranged. This article provides a comprehensive overview of how life insurance policies are impacted when an owner dies first, … Read more