When it comes to choosing a health insurance plan, Kaiser Permanente offers two main options – HMO and DHMO plans. While they share some similarities, there are key differences between Kaiser’s HMO and DHMO plans that are important to understand when selecting coverage. HMO vs PPO vs EPO Before diving into the details between HMO … Read more
LPPO and RPPO are two types of Preferred Provider Organization (PPO) health insurance plans. PPO plans allow members flexibility in choosing healthcare providers while still having access to discounted in-network rates. LPPO and RPPO plans offer regional or local provider networks respectively. PPO Health Insurance Overview Before diving into LPPO and RPPO specifically, let’s first … Read more
When an insurance company decides not to renew your policy upon expiration, this is known as a non-renewal. Non-renewals are different than cancellations, which terminate coverage mid-policy. Fortunately, insurers typically cannot penalize you simply for having a non-renewed policy. However, your rates may still increase with another insurer if the non-renewal was due to high … Read more
Health insurance can be confusing, with many different plan types using terms that all sound similar. Two options you may come across are PPO and Choice Plus plans. Although they have some overlap, there are key differences between PPO and Choice Plus that impact costs, provider choice, and how you access care. This comprehensive guide … Read more
If you’ve shopped for health insurance or researched plans offered by your employer, you’ve likely come across the terms “rate” and “premium.” At first glance, these two words seem interchangeable. However, rates and premiums refer to distinct aspects of health insurance pricing. Understanding the difference between insurance rates and premiums enables you to make apples-to-apples … Read more
Underwriters and insurers are both integral roles within the insurance industry. But while they work closely together, these positions have distinct responsibilities when it comes to evaluating risk, pricing policies, and paying claims. This comprehensive guide examines underwriters and insurers in detail, including how they interact and their unique contributions to the insurance process. Keep … Read more
Adding a newborn baby to health insurance is an important task for new parents. Most insurance policies require you to enroll your baby within 30 days of birth to get them covered. But it’s easy to forget this crucial step during the haze and busyness of having a newborn. So what happens if you miss … Read more
Finding the right car insurance can be a tedious task. With so many options to choose from, it’s important to find a provider that offers quality coverage at an affordable rate. One popular insurance company in the southwestern United States is Fred Loya Insurance. With decades of experience and numerous locations across several states, Fred … Read more
As a business owner, making the most of your time and money is critical to success. That’s why many entrepreneurs and freelancers are turning to affordable hours models to optimize productivity, profits, and customer satisfaction. A Affordable is one company utilizing this budget-friendly approach to great effect. What are Affordable Hours? Affordable hours refer to … Read more
Kaiser Permanente is one of the nation’s leading healthcare organizations, providing quality care to over 12 million members across 8 states and the District of Columbia. With many medical facilities across different regions, Kaiser Permanente’s hours of operation can vary depending on location. This article provides a comprehensive guide on Kaiser Permanente’s hours for their … Read more