Dealing with car repairs and insurance claims can be a frustrating process. You file a claim expecting your insurer to cover the cost, only to find the payment may not be worth the hassle. So what if you change your mind and want to cancel your claim? Here’s what to know about canceling insurance claims … Read more

If you have two different Medicare numbers, you may be puzzled about why this is the case. It’s quite common for Medicare beneficiaries to have more than one Medicare number or card during their lifetime. There are some specific reasons why you could have two Medicare numbers. Let’s understand when and why you may be … Read more

In the complex world of insurance, you’ve likely come across the term “MGA” without knowing exactly what it means. MGA stands for managing general agent, a specialized role within insurance markets. Keep reading to understand what an MGA is, what they do, and how they can benefit insurance brokers and policyholders. What is an MGA? … Read more

You may have noticed a series of letters and numbers labeled “CIN” on your health insurance card. But what does this identification number mean and why is it important? The CIN stands for Client Identification Number. It is a unique ID assigned to individuals who have Medicaid health insurance. This comprehensive guide will explain: What … Read more

Having valid car insurance is mandatory by law in India. As a vehicle owner in Kerala, it is important to regularly check your car insurance status to ensure continuous coverage. Thanks to digital platforms, you can now easily verify your car insurance validity online or offline through multiple channels. This comprehensive guide will walk you … Read more

Owning a car can be expensive, especially when it comes to insurance. If you co-own a car with someone else, you may wonder if you both need separate insurance policies. The short answer is no – you do not necessarily need two policies to fully cover a jointly owned vehicle. However, there are some important … Read more

Copays, along with premiums, deductibles, and coinsurance, make up the “cost sharing” aspects of Medicare. These out-of-pocket costs help fund Medicare and prevent overutilization of health services. But Medicare’s cost sharing structure can be confusing. Do you pay copays under Original Medicare or is it only with Medicare Advantage plans? And what’s the difference between … Read more

Getting an accurate diagnosis is a critical first step in receiving proper treatment and care for a medical condition. However, doctors don’t always get it right the first time. In fact, research shows that diagnostic errors affect about 12 million adults in the U.S. every year. When a doctor is unable to provide a diagnosis … Read more

Insurance agents have the option to either work exclusively for a single insurance company or represent multiple insurance companies. The ability of an agent to work with multiple insurance providers depends on whether they are a captive agent or independent agent. Captive vs. Independent Insurance Agents There are two main types of insurance agents: Captive … Read more

When shopping for life insurance, you may come across the terms ‘par’ and ‘non-par’ to describe different policy types. But what do these abbreviations mean and what are the key differences between par and non-par insurance plans? Read on for an in-depth overview comparing participating (par) and non-participating (non-par) life insurance policies. What is a … Read more