What is the cost of car insurance in North Dakota To get an idea of the cost of cheap auto insurance, you should consider the local averages. According to Bankrate’s 2021 study on annual premiums, the average cost of North Dakota car insurance is $285 per year and $1,264 for full coverage. Although averages are useful in providing an […]
Category Archives: Finance Guide
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Are you tired of paying high premiums for your health insurance? Well, what if we told you that there are cost-sharing options available to help alleviate those expenses? That’s right – today we’re exploring the different types of cost-sharing in health insurance and which ones have proven to be most effective. From deductibles to co-insurance, […]
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Original Medicare includes coverage for “medically necessary” physical therapy. Medicare pays a lot of the costs of physical therapy if it is medically necessary. It is often necessary for those 65 years and older. Nearly 3 million Medicare beneficiaries received PT during surgery recovery or injury in 2019. This helps to decrease pain and improve mobility. What […]
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Welcome to our latest blog post! Are you a small business owner or self-employed professional looking for affordable and comprehensive health insurance coverage? You may have heard that joining a professional organization can be a great way to access group health insurance options. But is this really the case? In today’s post, we’ll explore whether […]
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If you’re in the market for a new car insurance policy, you may be tempted to fudge a few numbers when it comes to estimating your annual mileage. After all, what harm can shaving off a few thousand miles do? The truth is, misrepresenting your mileage estimate to an insurance provider isn’t just dishonest – […]
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Renters insurance can often go unappreciated. Many assume that landlords already cover it, when in reality most policies only protect physical dwellings – not any personal possessions within. MoneyGeek advises purchasing an insurance policy as it can save a great deal of trouble in case of fire or burglary – plus, it’s quite affordable! Coverage […]
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Millions of people receive advance premium tax credits (APTC) to help lower their marketplace insurance costs. When they enroll in marketplace coverage, they provide an estimate of their income; if this differs significantly from reality, some or all of their APTC may need to be returned when filing taxes. 1. Excess Subsidies Most marketplace enrollees […]
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If you purchase or lease a new vehicle from your lender, they may provide gap coverage. Be sure to review all documentation to determine whether this coverage exists for your vehicle. Gap insurance (commonly referred to as loan/lease payoff coverage) protects you against depreciation on vehicles over time. With proper gap insurance in place, this […]
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No one anticipates becoming sick or injured, but should it happen, health insurance can provide much-needed support. Health plans help offset medical and surgical expenses in exchange for monthly premium payments, providing peace of mind. Individuals can purchase health insurance either through the Marketplace (Obamacare) or directly from private insurers, with those earning lower incomes […]
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Two types of homeinsurance are called “HO-3” or “HO-5”. Each type provides coverage for your home, your property, and liability coverage in the event of an injury to your home. The most popular homeowner policy in the U.S. is the HO-3. An HO-5 policy, like an HO-3 policy, provides home and property coverage along with liability. HO-5 policies are often […]