Prior to the Affordable Care Act, health insurance companies could deny coverage for pre-approved procedures. This included procedures that had already been paid for by the patient and were deemed necessary by the doctor. Now that the ACA is in place, this practice is no longer legal. In fact, health insurance companies can no longer […]
Category Archives: Finance Guide
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Insurance is a mandatory requirement in most countries, and it’s no surprise that companies are looking for ways to save on the cost of insurance. One way they do this is by certifying certain industries as low-risk. The process of insurance precertification allows these companies to find high-risk industries and exclude them from coverage, saving […]
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When you’re an independent contractor, the whole world seems to be your workplace. You can work from home, on the go, or even from other countries if you so choose. Best of all, you don’t have to worry about pesky HR policies and red tape. One downside of this arrangement is that you may not […]
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Hours worked are one of the most important factors when it comes to determining whether or not you have health insurance. That’s because hours worked determine your eligibility for employer-provided health insurance. If your hours drop below a certain threshold, your employer may be able to reduce or even terminate your health insurance coverage. So […]
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Auto insurance is required by law to be able to drive. It also protects us in the event that we are involved in an accident. You can file a claim to replace, pay medical bills or for theft depending on how much coverage you have. Good auto insurance companies will quickly handle your claim. Be aware, however, […]
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Unemployment insurance is a vital safety net for employees who lose their jobs. In Illinois, employers are obligated to provide unemployment insurance to their employees, and the amount of coverage an employer provides is determined by state law. If you’re an employer in Illinois and you have questions about how much unemployment insurance your company […]
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A few years back, it was difficult to find a hybrid or green car. These new eco-friendly vehicles are not as popular as the faster, more fuel-guzzling cars of the past. You would have to be passionate about environmental change in order to consider an eco-car. Even then, you could face ridicule. The world has changed drastically […]
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Home health care is a type of care that is delivered in the home by registered nurses, certified nurse assistants, or personal care aides. Home health aides can help with activities such as bathing, dressing, toileting andfeeding. Because home health care services are not covered by most insurance plans, it can be difficult to know […]
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New Hampshire may not require you to buy car insurance if you own a vehicle. The state of New Hampshire allows its citizens to drive on its public roads as long as they have a clean driving record. This doesn’t mean New Hampshire streets are full of uninsured drivers. Lenders insist that vehicles purchased with borrowed money […]
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Insurance myths abound. These myths can lead to costly mistakes. Find out the truth. Here are the facts. 1. “My friend said to me that I could use my car for my second job, delivering pizzas, and that my insurance policy would cover an accident.”Your friend is wrong. Except if you have a commercial auto insurance, your personal auto policy […]