Your health insurance premium depends on which plan and service(s) you select, along with premium, deductible, copayments and coinsurance costs. At eHealth, our Health Insurance Price Index Report will give you an idea of the average costs. Premiums Your monthly premium payment for health insurance is the premium, an amount paid in exchange for its […]
Search Results for: insurance
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May
May
Business liability insurance covers damage that your business is responsible for to third-parties. However, this does not extend to injury to employees covered by workers’ compensation insurance or damage to your own property covered by commercial property insurance policies. Cost of business liability insurance varies by industry and location, with businesses in higher-risk industries paying […]
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May
May
The card gives essential information about you and your coverage to physicians, and helps avoid billing problems. Additionally, it includes details of your insurance provider that could prove invaluable should any issues arise with them later on. If your coverage comprises both Medicare and an employer plan, you’ll likely have multiple cards representing individual aspects […]
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May
May
An MSA is a special account created to manage medical expenses not covered by Medicare. As its rules and regulations can be complex, injured parties should review CMS’s WCMSA Reference Guide carefully as they work with an administrator to make sure funds are spent accordingly and reported properly. High-deductible health plans (HDHPs) High-deductible health plans […]
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May
May
Roofs are exposed to severe weather and often neglected during routine maintenance checks; as such, they’re one of the more frequently damaged parts of a home. Luckily, homeowners insurance can cover repair or replacement costs incurred from damage due to storms. However, it’s essential that you read your policy thoroughly to assess if this type […]
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May
May
Supplemental health insurance provides peace of mind in an uncertain medical climate. This type of policy pays out lump sum payments that help mitigate potential financial risk in specific scenarios like critical illness and accidents. Supplemental policies are meant to supplement, rather than replace, traditional health care plans. With affordable monthly premiums and fixed indemnity […]
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May
May
Assuming you gave permission for another person to drive your vehicle, their auto insurance should cover them under liability, personal injury protection and collision coverages. Note that extended family and roommates who will use your vehicle regularly should be included as drivers on your policy, or else they risk being excluded from coverage. Permissive Use […]
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May
May
Many individuals are confused as to whether they possess health insurance coverage. Your insurance card should tell you this information – usually including information like the enrollee name, member ID number and policy number. Each individual covered under their plan has their own policy number that can help medical providers quickly access relevant data. 1. […]
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May
May
Long-term care insurance premiums increase as you age, making it wiser to purchase early. Your marital status also has an effect on premiums. Individuals with sufficient assets and income may be able to purchase policies to cover some of their future care costs; those without this luxury must rely on state assistance programs like Medicaid. […]
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May
May
Though it can be alarming to find out the at-fault party does not carry insurance, don’t allow this fact to deter you from filing a claim. Instead, gather evidence to support your case that they lack coverage and take appropriate steps in your claim filing process. UM/UIM policies can be particularly important if you live […]