Medicare Supplement, also known as Medigap, plans can be quite expensive depending on where you live and which company you purchase from. A lot of seniors are shocked when they start shopping for Medigap plans and see premiums of $150, $200, or even $300 per month. That can add up to thousands of dollars per … Read more

Anthem is one of the largest health insurance providers in the U.S. and a major player in the Medicare Advantage market. However, Anthem Medicare Advantage plans are not available nationwide. They are only offered in 14 specific states. What are the 14 Anthem states? Let’s examine the coverage footprint of Anthem’s Medicare Advantage plans across … Read more

When you receive medical care and file a claim with your health insurance company, you may notice that the amount your provider charged doesn’t match what your insurance paid. This difference is due to the allowed amount set by your insurer. The allowed amount, sometimes called the eligible expense, is the maximum dollar amount an … Read more

Co insurance is a common clause in many property insurance policies that requires the policyholder to carry a certain amount of insurance coverage relative to the total value of their property. If the insured does not maintain adequate limits, they may be penalized through co insurance in the event of a claim. This article explores … Read more

Dealing with a denied insurance claim can be frustrating. But before giving up, filing an appeal is worth a shot. A well-written appeal letter has the potential to get your claim reviewed and approved. Crafting an effective insurance appeal letter may seem daunting at first. But following key steps can set you up for success. … Read more

Your health, dental, vision, and other insurance cards contain important information like your name, the types of coverage you have, and contact details for your insurance provider. One key piece of information printed on insurance cards is the policy number. This unique identifier plays an important role in helping insurance companies track your policy, process … Read more

Geico is one of the largest auto insurance providers in the United States. The company is known for its popular mascot, the gecko, and memorable advertising slogans like “15 minutes could save you 15% or more on car insurance.” While Geico offers competitive rates and extensive coverage options, one thing that sets them apart from … Read more

Understanding how coinsurance works with your health insurance deductible is key to estimating your potential out-of-pocket costs. Coinsurance is the percentage you pay for covered medical services after reaching your deductible. So what does 50% coinsurance after deductible mean for your specific health plan? Coinsurance Basics First, let’s review some key terms: Coinsurance – The … Read more

Physician assistants (PAs) have some key considerations when it comes to choosing between a preferred provider organization (PPO) and a health maintenance organization (HMO) for their health insurance. As medical professionals themselves, PAs need to weigh factors like provider networks, referrals, claim processing, and out-of-pocket costs. PPO vs HMO: Key Differences Here is a quick … Read more

Health savings accounts (HSAs) are a powerful savings tool and provide valuable tax benefits when paired with a high deductible health plan (HDHP). However, life circumstances may lead you to switch from an HDHP/HSA combo to a more traditional preferred provider organization (PPO) health plan. If this happens, you may be wondering – what happens … Read more