Dealing with insurance companies after an accident, loss, or claim can be frustrating. You file paperwork, make calls, and send demand letters expecting a timely response. But sometimes insurers give claimants the silent treatment, refusing to acknowledge or respond to inquiries. So what recourse do you have when an insurance company stonewalls you? No Legal … Read more

TRICARE Select is a health insurance plan available to military families, retirees, and reservists. It provides comprehensive coverage but requires annual enrollment fees and copayments for care. Many wonder if TRICARE Select can act as secondary insurance to supplement other health plans and save on out-of-pocket costs. The answer is yes – TRICARE Select can … Read more

Car insurance rates tend to increase as drivers get older, with significant hikes often occurring after age 75. This is due to higher risks and costs associated with insuring elderly drivers. While frustrating, being aware of when and why rates increase can help you budget accordingly and shop for the best rates. Why Rates Rise … Read more

Property insurance helps protect homeowners and businesses from financial losses due to damage to their property. Most property insurance policies contain a coinsurance clause, which requires the policyholder to insure their property to a specified percentage of its replacement value. But what exactly does a 90% coinsurance requirement mean? This article will explain what 90% … Read more

Having multiple health insurance plans can provide more complete coverage, but it also requires coordinating benefits between your different plans. So how does secondary insurance work if you have Kaiser Permanente and another health plan? Secondary insurance kicks in after your primary coverage pays. The coordination process aims to maximize your total reimbursement while preventing … Read more

UnitedHealthcare offers a wide range of health insurance plans to employers, individuals, and families. One popular option is the Choice Plus plan, which provides flexible coverage and access to the large UnitedHealthcare network. But is Choice Plus considered a commercial insurance plan? The short answer is yes. UnitedHealthcare Choice Plus is a type of commercial … Read more

Having health insurance is crucial for getting access to healthcare and managing costs. But what if you don’t have a Social Security Number (SSN) and instead have an Individual Taxpayer Identification Number (ITIN)? Can you still get health insurance? The short answer is – yes, in most cases you can get health insurance with an … Read more

Salvasen Health burst onto the health insurance scene in 2020 with big promises of affordable, comprehensive health coverage. However, behind the glossy marketing was an illegal operation that left thousands of customers without the coverage they paid for. This article takes an in-depth look at Salvasen Health – who they were, how they operated, and … Read more

Having straight, healthy teeth is important, but orthodontic treatment like braces or Invisalign can be expensive. Using two dental insurance plans to cover orthodontics may help reduce the costs. This article explains how you can use two dental insurances for orthodontics. Overview of Orthodontic Insurance Coverage Orthodontic coverage is not automatically included in dental insurance … Read more

When choosing a health insurance plan, two common options to consider are HMO (Health Maintenance Organization) and OAP (Open Access Plan). But what is the difference between an HMO and OAP, and which offers better coverage? Below we will compare HMO vs OAP plans on network size, flexibility, costs, and other key factors to help … Read more