health insurance

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What to Look for When Buying Health Insurance

Purchasing a health insurance policy requires careful consideration and analysis to ensure the plan meets your needs and budget. With so many different types of policies available from several insurance carriers, it can be difficult to decipher the language used in policy contracts. By understanding the major aspects of health insurance plans, your search for […]

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How Does the COBRA Insurance Work?

If you have insurance through your employer, you’ve likely heard of COBRA insurance. It stands for Consolidated Omnibus Budget Reconciliation Act. It allows you to keep the same insurance you had through your employer even if you stop working for that employer. [sc_content_link label=”Get today’s insurance rates.” cat=”life”] Because you are no longer employed with […]

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How Does a High Deductible Health Insurance Policy Work?

If your employer offers a high deductible health insurance plan, you should know how it works. At some places of employment, it’s the only option as the cost of healthcare is then pushed onto the employee rather than the employer. Some employers offer both options, giving the employee the choice. [sc_content_link label=”Get today’s insurance rates.” […]

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What’s the Difference Between In-Network and Out-of-Network Doctors?

If you have medical insurance, you likely hear the terms ‘in-network’ and ‘out-of-network’ doctors. What does this mean? How does it affect you? [sc_content_link label=”Get today’s insurance rates.” cat=”health”] While these terms might seem useless, they are very important to your budget. Your insurance may provide greater coverage if you choose an in-network doctor versus […]

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What is HIPAA?

HIPAA stands for Health Insurance Portability and Accountability Act of 1996. This law was signed into place in 1996 under President Clinton. This legislation provides protection for data privacy pertaining to your medical records. [sc_content_link label=”Get today’s insurance rates.” cat=”health”] The Parts of HIPAA HIPAA contains five different parts, each of which that protect a […]

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How Does a PPO Plan Work?

When you sign up for insurance, you generally have a few options including HMO, PPO, and POS. The PPO plan is often one of the most popular because of its flexibility. While it’s more expensive than an HMO, it may suit your medical needs better than an HMO. [sc_content_link label=”Get today’s insurance rates.” cat=”health”] The […]

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How Does a POS Plan Work?

As you shop for health insurance, you might come across the term POS plan in addition to the traditional HMO and PPO policies. The POS plan is a cross between both the HMO and PPO plan. They give you the flexibility of a PPO with the lower costs of an HMO. [sc_content_link label=”Get today’s insurance […]

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What is Pre-existing Condition Insurance Plan (PCIP)?

If you have a pre-existing condition, you know how hard it is to get insurance. At least, that’s the way it used to be. You would either have to opt for insurance that excluded your condition or go without insurance. Either way, you generally paid a lot more money for the premiums than those that […]

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Health Insurance Options for Maternity and Pregnancy Expenses

Pregnancy insurance is essential if you plan to have a baby. Without insurance, you can expect to pay between $10,000 and $12,000 in fees related to giving birth. With the right coverage, you can reduce those fees and enjoy the months following the birth of your baby rather than dealing with the stress of extensive […]

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