Insurance Tips for Everyday People
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What are health plan premiums?
Your premiums paid do NOT go towards your deductible or max out-of-pocket limit.
What does “max out-of-pocket” mean?
A max out-of-pocket, also referred to as an out-of-pocket maximum, is the most a health insurance policyholder (client) will pay each year for qualified healthcare expenses.
What is a deductible?
Most health insurance plans have a deductible that designates the amount of money someone must pay before the insurance company (health plan) starts covering some or all of the major expenses.
How do you get rid of telemarketers?
You have just sat down to dinner and you are excited to bite into the steak you have been dreaming about all day and then your phone rings…. You don’t need solar power, you don’t need new health insurance and you don’t have a car so why would you want a car warranty. Here are…
$0 Deductible Plans: Sure Thing or Suspect?
Picture this: it’s time for Open Enrollment for health insurance. You can choose group health insurance, ACA, or a short-term medical plan. Then, someone offers you a plan with no deductible (first-dollar benefits) that is cheaper and sounds great. Do you enroll in it? What do you need to know before you purchase one of…