When reviewing health insurance options, you may come across plan names and acronyms that can be confusing. Anthem offers a type of plan called an HDHP PPO. What exactly does this mean? Below we’ll explain what an HDHP and PPO are, Anthem’s HDHP PPO plan details, how the coverage works, and who this type of … Read more
If you’ve ever filed an insurance claim for vehicle damage or property loss, you may have come across the term “betterment.” This refers to a betterment clause, which is a common provision in insurance policies. Below we explain what a betterment clause is, how it works, its purpose in insurance contracts, and what you need … Read more
Experiencing an accident can be traumatic and lead to unexpected expenses. When another party is at fault for your injuries or damages, you have the right to pursue compensation through an insurance claim or personal injury lawsuit. However, this process raises an important question – can you claim twice for the same accident? The short … Read more
When you get added as an additional insured on someone else’s insurance policy, you gain certain protections and rights under that coverage. However, these rights are limited compared to being the named policyholder. Understanding exactly what an additional insured is entitled to – and not entitled to – is important for managing risk. Who Is … Read more
If you have a Medicare Supplement (Medigap) policy and are moving, one key question is whether you need to also switch to a new Medigap plan. The good news is that in most cases, you can keep your same Medicare Supplement coverage when relocating. However, there are some important factors to consider regarding your Medigap … Read more
Wanting to add a family member like a brother to your auto insurance policy is common. Doing so can provide coverage protection and even potentially lower your rates. However, insurance companies have specific requirements regarding who you can and cannot include on your policy. So can you actually add your brother to your car insurance? … Read more
Mileage is a key factor that auto insurance companies use to calculate your premiums. The more you drive, the greater your risk of being involved in an accident. So how exactly do insurers determine how many miles you drive? Do they rely on your own estimates or do they independently verify your odometer readings? The … Read more
Life insurance provides financial protection for your loved ones in the event of your death. When you purchase a policy, you expect that the death benefit will be paid to your beneficiaries if you pass away during the coverage period. But life insurance claims can sometimes be denied. So do policies always pay out when … Read more
Dealing with a denied insurance claim can be frustrating. But before giving up, filing an appeal is worth a shot. A well-written appeal letter has the potential to get your claim reviewed and approved. Crafting an effective insurance appeal letter may seem daunting at first. But following key steps can set you up for success. … Read more
When you purchase an insurance policy and pay your premiums each month, you know that part of that money goes to compensate the agent who sold you the policy. But what happens when you actually file a claim – does your agent also earn commission when they process your claim? This is a common question … Read more