Most health insurance plans cover at least one annual physical. Sports physicals may also be covered, so call the number on the back of your card to check what services are provided. Direct Access legislation grants patients access to physical therapists without first needing a referral from their physician, making the experience of Oregon residents […]
Category Archives: Finance Guide
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Apr
Apr
High-deductible health plans (HDHPs) tend to offer lower premiums, making them affordable for people who do not expect to use much healthcare within a year. Unfortunately, meeting an HDHP’s high deductible can sometimes seem insurmountable and lead to medical debt for some individuals. HDHP plans require that all healthcare costs are covered until your deductible […]
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Apr
Apr
Protection & Security products are the cornerstone of a solid financial plan. These products will protect you against common risks that we all need to plan for and think about. You could lose your job Being disabled or sick Not enough time Too soon? The base of your financial planning pyramid is, in its simplest form: […]
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Apr
Apr
Are you tired of sorting through insurance options and feeling overwhelmed by the terminology? Don’t worry – we’ve got you covered. In this blog post, we’ll cut through the confusion and answer a common question: which of the following is not temporary insurance? So sit back, relax, and let us break it down for you. […]
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Apr
Apr
If you’re in the process of buying a new home, then you’ve likely heard the term “lender title insurance” tossed around. But what is it exactly? This type of insurance can seem like just another expense on top of all the other costs associated with purchasing a property. However, understanding lender title insurance is crucial […]
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Apr
Apr
Liability-only auto insurance covers only damages or injuries you cause to others. This coverage is also known as PLPD (personal liability and property damage) because it excludes coverage for injuries or damages that you cause to another person. Liability-only insurance can range from state minimum levels to relatively high limits, but never includes coverage for damage to your […]
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Apr
Apr
Although purchasing insurance can seem daunting for many, it is a necessity. Here are some key points to keep in mind when making sure you have the right coverage. Pre-existing Conditions and Full Disclosure All applications must be reviewed by an underwriter before being approved for insurance coverage. When you apply for individual health insurance, an […]
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Apr
Apr
Are you in a committed relationship and wondering if you can share your health insurance with your partner? It’s not uncommon for people to consider sharing their healthcare coverage, especially if they’re married or living together. However, the answer isn’t always straightforward, as there are several factors to consider when weighing this option. In this […]
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Apr
Apr
Are you thinking about protecting your family’s future with a life insurance policy? One of the most common coverage amounts is $250,000 – but what does that actually cost? In this blog post, we’ll explore everything you need to know about how much a 250k life insurance policy will set you back. From age and […]
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Apr
Apr
St. Although Florida’s beautiful beaches and abundant sunshine make Petersburg a great place to live, it will be more expensive to insure your vehicle if you live there. St. Petersburg drivers pay on average $1,294 per year for minimum coverage. Full coverage policies average $2,662. Florida drivers pay more than other states on average for various reasons. Bankrate […]