UnitedHealthcare is one of the largest health insurance providers in the United States and also offers coverage options for residents of Puerto Rico. Here is an overview of UnitedHealthcare’s presence in Puerto Rico and details on plan options, provider networks, and how to get the most out of your UnitedHealthcare health plan if you live … Read more
When reviewing insurance options, you may come across the terms “indemnity” and “non-indemnity” used to describe certain policies. Understanding the distinctions between these two categories is important for choosing the right types of coverage. In this article, we’ll explain the key differences between indemnity and non-indemnity insurance, provide examples of each, and discuss when these … Read more
When reviewing your business or healthcare insurance policy, you may come across the term “aggregate limit.” This refers to a cap on the total payout that can be claimed within a set timeframe, usually annually. Understanding how aggregate limits work is key to ensuring your policy provides adequate protection. What is an Aggregate Limit? The … Read more
American General and AIG are closely connected insurance companies, but they are not exactly the same entity. American General Life Insurance Company is a subsidiary of AIG, and many of American General’s key insurance brands are owned by AIG. However, American General operates as its own insurance company with its own products and services. The … Read more
If you’ve shopped for insurance or managed insurance policies, you may have come across the terms “insurance company” and “insurance carrier” used in various contexts. Sometimes they are used interchangeably, while in other cases people distinguish between them. So what exactly is the difference between an insurance company and an insurance carrier? Below is an … Read more
When shopping for homeowners insurance, you’ll likely come across the term “guaranteed replacement cost”. This refers to a policy feature that provides extended coverage to rebuild your home in the event of a total loss. But does State Farm offer guaranteed replacement cost coverage? The answer is yes, State Farm does offer guaranteed replacement cost … Read more
When a loved one who was receiving Medicare passes away, it’s natural for family members to wonder if Medicare will need to be paid back. The rules around Medicare repayment after death are complex. This article provides a comprehensive overview of Medicare estate recovery to help you understand if and when repayment is required. What … Read more
Medicare Advantage plans are private health insurance plans that provide Medicare benefits to beneficiaries who enroll in them. The government pays Medicare Advantage plans a set amount per enrollee per month to provide coverage. This payment system is different from traditional Medicare, where the government pays healthcare providers directly for each service rendered. Understanding how … Read more
Renters insurance provides protection for your personal belongings while you’re renting a home or apartment. If something happens like theft, fire, or water damage, renters insurance can help replace your items. But what happens when you buy a home – do past renters insurance claims follow you? The short answer is no, renters insurance claims … Read more
Wegovy is a popular injectable prescription medication used for weight management. It contains semaglutide and helps regulate appetite while also improving feelings of fullness after meals. However, due to high demand and manufacturing constraints, Wegovy is often difficult to obtain nowadays. If you’re looking for Wegovy alternatives to discuss with your doctor, there are several … Read more