New drivers may be surprised to find out they require car insurance even with just a learners permit; luckily, most teens can be added onto their parent’s policy during this phase. This coverage may be considerably cheaper than an individual policy for teenage drivers – in some cases even less than half as costly! Minimum […]

An EPO plan, or Extended Provider Organization plan, offers partial coverage for medical services once you pay a deductible and copayments to an insurance provider. Their discounted fees with doctors and hospitals allow them to do this more affordably. Under an EPO plan, healthcare must only come from doctors and hospitals within its network of […]

Insurance plans that cover occupational therapy vary between private insurers, employer-sponsored plans and Medicare. Coverage varies based on plan type and may include deductibles, copayments and/or coinsurance charges. Original Medicare Part B provides better occupational therapy coverage than most health insurance plans; however, visits are still limited and medical documentation must be submitted. How to […]

According to data provided by Synchrony, an average American spends more than $5,800 each year on premiums, out-of-pocket costs and coinsurance premiums and out-of-pocket expenses such as prescription medications or over-the-counter remedies. Household spending on employer insurance premium contributions and out-of-pocket costs was found to vary widely depending on their income across states and nationally, […]

Insurance allows individuals and families to transfer financial risks onto an insurance provider for a premium, providing protection from unexpected events which might otherwise threaten their livelihoods. There are various kinds of insurance policies available, from auto to life. To get the best value from any policy you purchase, it is essential that you understand […]

Title insurance policies cost differently in each state, depending on a variety of factors that influence them; home purchase price and location being two primary determining factors in cost. Mortgage lenders require lender’s policy coverage while homebuyers may choose to buy owner’s coverage as well. Both of these expenses should be included with closing costs […]

Insurance companies frequently request proof of insurability (EOI) from applicants as part of the evaluation process to evaluate risk before providing coverage. EOI assessment typically involves providing medical records and filling out a health questionnaire. Michael wishes to apply for life insurance and must complete a health questionnaire, physical exam and submit medical records in […]

Just like with health plans, you can use the Marketplace to compare dental plans. Some health plans may include dental coverage in their premium, while others provide separate dental plans. Outside of Open Enrollment, plan changes may only be possible if they meet certain eligibility requirements and qualify for a Special Enrollment Period. Cancel at […]

Learning how to read an insurance claim estimate is critical for homeowners, public adjusters and lawyers. Understanding what coverage exists can make a substantial impactful difference on a client’s case – not to mention on rates! Insurance claim estimates contain a code to indicate which cost database (Xactimate) was used, so ask your adjuster what […]

Are you the proud owner of two different cars, but wondering if it’s possible to insure them with different companies? Whether you’re trying to save money or simply want to explore your options, this is a common question that many drivers have. In this blog post, we’ll dive into the details and answer the burning […]