It’s a common scenario – you go to the doctor for your annual physical or wellness checkup, expecting it to be fully covered by insurance with no out-of-pocket costs. After all, yearly well visits are supposed to be free under the Affordable Care Act. But then you get a bill in the mail with multiple … Read more

When reviewing top insurance providers, you may notice the names Chubb and AIG both commonly appear. This can raise the natural question – are Chubb and AIG actually the same company? Or are they completely separate insurers that happen to be major players in the industry? The answer is that while Chubb and AIG are … Read more

Dealing with health insurance claims can be confusing and frustrating. When you need medical care, the last thing you want is a long, drawn-out claims process. So how long does it actually take Cigna to review and approve health insurance claims? Overview of the Cigna Claims Process Cigna is one of the largest health insurance … Read more

Fidelis Care is a health insurance company that offers both Medicare plans and Medicaid plans to residents of New York State. However, Fidelis Care is more well-known for its Medicaid plans. Overview of Fidelis Care Fidelis Care is a health insurance provider owned by Centene Corporation. Key facts about Fidelis Care include: Provides health insurance … Read more

Being bitten by a dog can be a scary and traumatic experience. If you are bitten by a dog in public, it is important to know the proper steps to take right away. Taking quick action helps ensure your physical recovery and preserves your legal rights. This article will outline the key things you should … Read more

The standard Part D benefit refers to the basic structure and parameters of coverage that Medicare prescription drug plans must offer. When Medicare’s voluntary outpatient drug benefit, known as Part D, launched in 2006 it established this standard benefit design. While plans have flexibility to modify the standard benefit, it serves as a consistent benchmark … Read more

Obamacare, officially known as the Affordable Care Act (ACA), has gone through many changes since it was first introduced in 2010. As we head into 2023, many are wondering if health insurance plans on the ACA Marketplace will become more expensive next year. Premium Trends on the ACA Marketplace The ACA Marketplace offers health insurance … Read more

A Medicare Set-Aside (MSA) account contains funds that are set aside specifically to pay for future medical expenses related to a work injury or illness. This separate account is meant to cover injury-related costs that would otherwise be covered by Medicare. But what happens if you receive MSA funds as part of a settlement and … Read more

The short answer is no, Optum is not part of Humana. However, the two companies do have an important strategic partnership. In this article, we’ll take a deep dive into the relationship between Humana and Optum and how they are working together to shape the future of healthcare. Understanding Humana and Optum First, let’s provide … Read more

The insurance market fluctuates between soft and hard cycles over time. During a hard market, it becomes more difficult and expensive to obtain insurance coverage. But what exactly causes the market to shift into a hard phase? There are several key factors that can create conditions for a hard insurance market. Overview of Insurance Market … Read more