Cigna is a major health insurance provider that offers comprehensive medical, dental, and supplemental health insurance plans. When it comes to their coverage area, a common question is: does Cigna cover all 50 states? The short answer is: no, Cigna does not currently offer health insurance plans in every state. However, they do have a … Read more
Understanding health insurance terminology can be confusing, especially when it comes to concepts like deductibles, copayments, and coinsurance. One term you may come across is “30% coinsurance after deductible.” What exactly does this mean and how does it impact your healthcare costs? In this comprehensive guide, we’ll explain what 30% coinsurance after deductible means, walk … Read more
If you’re shopping for car insurance, you may come across Safeco’s enhanced protection level. But what exactly does Safeco’s enhanced auto insurance cover and what makes it different from other options? In this comprehensive guide, we’ll explain what Safeco enhanced protection includes, key benefits and coverage add-ons, who it’s best suited for, and how it … Read more
If you work in healthcare, you’ve probably come across the names PHCS and MultiPlan when researching provider networks. But what exactly is the relationship between PHCS and MultiPlan? Are they the same thing or completely separate networks? In this comprehensive guide, we’ll explain what PHCS and MultiPlan are, their key differences, and how they fit … Read more
Federal Insurance Company has a long and storied history that is indeed intertwined with Chubb, one of the world’s leading property and casualty insurance companies. While they operate as separate entities today, their origins reveal an undeniable connection. The Beginnings of Federal Insurance Company Federal Insurance Company was founded in 1901 in Jersey City, New … Read more
If your spouse lands a new job, you may wonder if you can switch your health insurance to their new employer’s plan. The answer is usually yes – with some caveats around timing and enrollment periods. Switching health coverage can potentially save you money on premiums and out-of-pocket costs. But the rules vary for changing … Read more
Many companies offer basic life insurance coverage to their employees as part of their benefits package. This employer-sponsored life insurance is also referred to as group life insurance or “basic life EE.” But what exactly is basic life EE and how does it work? Below we’ll explore the key things employees should know about this … Read more
When selecting health insurance, two common options are HMO and HDHP plans. But what exactly is the difference between a Kaiser HMO and HDHP? Below we’ll explore how these plans compare on costs, provider choice, and other factors. HMO Overview HMO stands for “Health Maintenance Organization”. Kaiser Permanente is well-known for its HMO plans. Here … Read more
When choosing a health insurance plan, two common options to consider are HMO (Health Maintenance Organization) and OAP (Open Access Plan). But what is the difference between an HMO and OAP, and which offers better coverage? Below we will compare HMO vs OAP plans on network size, flexibility, costs, and other key factors to help … Read more
Health insurance can be confusing, especially when you start looking at all the different plan types like HMOs and PPOs. Florida Blue offers both HMO and PPO plans to meet the diverse needs of Floridians. But what exactly is the difference between an HMO and a PPO plan from Florida Blue? In this comprehensive guide, … Read more