The rise of managed care in the U.S. healthcare system has transformed how physicians practice medicine. Managed care plans, which integrate healthcare financing and delivery to control costs, havebecome the dominant form of health insurance coverage over the past few decades. This rapid shift has had major implications for physicians’ clinical autonomy, patient relationships, workflow, … Read more

If you’ve shopped for insurance or filed a claim before, you’ve likely come across the term “insurance carrier.” But what exactly does it mean? What’s the difference between a carrier and other common insurance terms like provider, underwriter, or agent? This comprehensive guide will explain the meaning of insurance carrier and how carriers fit into … Read more

Dealing with home damage and insurance claims can be stressful enough without having to fight your mortgage company to access payouts. If your property suffers damage, your mortgage lender has an interest in ensuring repairs are completed. As a result, they may keep claim checks until the work is done. While this protects the mortgage … Read more

When shopping for dental insurance, you’ll notice plans are categorized as either “low” or “high” option. But what exactly does this mean and how does it impact your coverage and costs? Here’s an in-depth look at the key differences between low and high dental plans. Dental Plan Categories Dental plans offered through the Health Insurance … Read more

Reaching age 65 is a major milestone that opens up Medicare eligibility. So can you stay on your Covered California health plan after turning 65? In most cases, you will need to switch from Covered California to Medicare when you become eligible. However, there are some exceptions that may allow you to keep Covered California … Read more

Purchasing life insurance is an important way to protect your loved ones financially in the event of your death. When you buy a life insurance policy, you name one or more beneficiaries who will receive the death benefit payout when you pass away. But what if your beneficiary dies before you do? This situation may … Read more

Builder’s risk insurance protects construction projects while they are underway. It covers damage from perils like fire, theft, storms, and more. While the property owner or general contractor typically purchases the policy, others involved in the project can request to be added as additional insureds. Being named as an additional insured on the builder’s risk … Read more

Getting life insurance on someone else without their knowledge may seem convenient, but it’s actually illegal. Here’s what you need to know about buying life insurance policies for other people. Overview You cannot legally purchase a life insurance policy for someone else without their consent. The person being insured must participate in the application process … Read more

Having to replace your roof can be an unexpected and costly home repair. That’s why many homeowners want to know – does Safeco insurance cover roof replacement? The short answer is yes, a Safeco homeowners insurance policy can provide coverage for roof replacement in the event of a covered loss like wind, hail, or other … Read more

Life insurance provides financial protection for your loved ones in the event of your death. It pays out a lump sum that your beneficiaries can use to cover expenses, pay off debts, and maintain their standard of living. But did you know that the payout amount may decrease as you get older? Here’s what you … Read more