When getting an auto insurance policy, you’ll need to provide details on who the regular drivers are for each insured vehicle. Insurance companies use terms like “primary driver” and “assigned driver” to classify these regular users. While these terms sound similar, they have some distinct differences that affect your policy rates and coverage. Defining Primary … Read more

Understanding how independent agents and brokers differ allows you to choose the right professional for your insurance needs. Here’s an overview of their distinct roles and services. An independent insurance agent and an insurance broker serve similar functions – helping consumers find and purchase policies. But they operate under different business models. Learning the key … Read more

Having health insurance is crucial in the Philippines to protect yourself and your family from the high costs of medical care. Many Filipinos rely on Health Maintenance Organizations (HMOs) as their primary form of health coverage. But is it possible to be covered by two HMOs at the same time for extra protection? The short … Read more

The America’s Health Insurance Plans (AHIP) Medicare and Fraud, Waste and Abuse (FWA) training is required annually for insurance agents who want to sell Medicare Advantage and Part D prescription drug plans. For 2024 plan year enrollment, the new AHIP certification course opened on June 21, 2023. If you need to complete AHIP training to … Read more

Having both Medicare and Medicaid coverage can get confusing when it comes to filing insurance claims and getting paid. This is where a crossover only application comes in. But what exactly does this term mean? Below we’ll explain what a crossover only provider application is, who needs it, and how the claims crossover process works … Read more

When you receive medical care covered under Medicare Part B, there is often a difference between the amount Medicare approves for payment and the amount your provider charges for their services. This discrepancy between the Medicare-approved amount and a provider’s charges can impact your out-of-pocket costs. Let’s take a closer look at how Medicare payment … Read more

Self-insuring your home means foregoing traditional home insurance and instead using your own money to cover any losses or damages. While self-insuring may seem like a way to save on insurance premiums, it carries significant financial risks that make it impractical for most homeowners. What is Self-Insuring a Home? Self-insuring your home means you have … Read more

If you’ve ever filed an insurance claim, you may have wondered – do insurance companies share information about claims with each other? Can details about your claim history impact your rates and coverage with other insurers down the road? The short answer is yes – insurance companies do communicate information about customer claims amongst themselves, … Read more

Trustmark and Cigna are two separate companies that work together to provide health insurance and benefits services. However, Trustmark is not part of or owned by Cigna. Overview of Trustmark Trustmark is an insurance company that provides: Voluntary benefits like life, disability, and critical illness insurance Self-funded health plans for small businesses Wellness programs through … Read more

A common question that comes up in insurance is whether a mortgagee can be listed as an additional insured on an insurance policy. The short answer is yes, mortgagees can be added as additional insureds, but there are some important details to understand. What is a Mortgagee? First, let’s define what a mortgagee is. A … Read more