Baptist Health and United Healthcare have not come to an in-network agreement for 2024, so we suggest patients select specialists within their plan’s coverage area. Commercial insurance policies, unlike Medicare or Medicaid plans provided by government programs like SCHIP (State Children’s Health Insurance Program), are offered for sale by for-profit private insurers and sold directly […]

Private health insurance plans can be expensive, particularly those with higher deductibles. But there are ways to lower costs. Individual and family marketplace plans with premium subsidies may make coverage more accessible to those in need, though additional factors can affect costs as well. Costs Private health insurance refers to any individual or family plan […]

Health savings accounts (HSAs) can be an effective tool for planning and paying for future healthcare costs – provided they’re used properly. HSA funds can be spent tax-free if used to cover eligible medical expenses such as deductibles, copayments and coinsurance premiums. You can even use them for over-the-counter medicines and services like acupuncture or […]

Will You Submit an Insurance Claim for Windshield Damage? – Filing an insurance claim for windshield damage depends on its cost and your car insurance provider. A chipped or cracked windshield typically falls under comprehensive coverage which protects against non-collision damage to your vehicle. If another driver breaks your windshield, you can make a claim […]

Many people wonder if they can cancel their health insurance outside of open enrollment. The answer isn’t as simple as you may think. In this article, we will explore the realities of canceling health insurance outside of open enrollment. We’ll cover important information about eligibility, termination timelines, and more. You’ll also get tips for finding […]

Disability insurance provides financial protection for individuals who can no longer work due to a disability or illness. But what happens when an employee’s medical information is shared with their employer as part of the process? Do disability insurance companies share medical information with employers? This is a question many employees have, and we’ll explore […]

Moving is hard enough, but if you’re also dealing with changing your insurance provider, you may have a lot of questions. One of the most common questions people have is whether they need to notify their current insurance company (MCA) of their change of address and how to do it. In this blog post we […]

You might think it’s simple enough to check if a car is insured before you take it for a test drive or buy it, but the truth is, it can be complicated. Knowing whether the car you want to buy is insured correctly and legally should be a part of your due diligence when buying […]

Life insurance policies offer a variety of dividend options that can help financial planners ensure their clients receive the best returns on their policy. Dividend options range from straight life, to endowments and annuities, but there is one option that stands alone—which of the following is not a dividend option for a life insurance policy? […]

If you’re receiving a federal annuity, you may have noticed that the deduction for life insurance is automatically taken out of your payments. This can be confusing and frustrating, especially if you don’t need or want the coverage.  But there is a way to cancel this deduction from your annuity payments. In this blog post, […]