Category Archives: Finance Guide

Do I Need Workers Comp Insurance If I Have No Employees?

Workers’ Compensation coverage provides essential protection from these costly medical costs, which could potentially devastate your business without it. Most states mandate employers purchase workers’ comp insurance for all of their employees, but what about smaller businesses with only 1099 contractors as employees? Typically, 1099 workers do not need workers’ comp insurance; however, some clients […]

Health Savings Accounts and Chiropractic Care

The culture of Western medicine dominates the healthcare industry in America. The industry’s leaders are hospitals and doctors. Health insurance is a way to cover them. One reason why chiropractic care isn’t often covered by insurance is because of the long history of discrimination against chiropractors by doctors. Numerous research studies have proven that chiropractic care is […]

What Document Describes An Insured Medical History?

Patient or Guarantor medical histories provided to hospitals for billing purposes usually contain details regarding diagnoses or procedures performed, person responsible for payment (ie Patient or Guarantor), as well as insurance provider contact details. Some insurers require family medical histories on proposal forms for health and life insurance, in order to assess your risk and […]

How Much Is It To Pull A Tooth Without Insurance?

Tooth extraction can be a costly affair, and if you don’t have insurance, it can be downright expensive. In fact, pulling a tooth without insurance is actually more than twice as expensive as pulling teeth with insurance. That’s why it’s important to investigate your coverage options before getting your teeth pulled—you may be surprised at […]

How to Bill Medical Insurance

Medical billers work daily to process healthcare claims. This involves translating clinical information from medical records into procedure and diagnosis codes that insurance payers can review. Medical billers ensure each claim is compliant, meaning it contains all relevant and accurate information. They do this by verifying whether the code corresponds with the service and deductible […]

Driving without insurance in New Mexico

New Mexico’s insurance laws make it difficult to drive without insurance. New Mexico is the fourth largest state for uninsured motorists with an estimated 21.8% of drivers driving uninsured, based on the latest study from the Insurance Information Institute. According to the Insurance Information Institute, this means that drivers who are involved in an accident with an uninsured […]