How Does Insurance Work? A Comprehensive Summary for Smart Decision-MakingWelcome to the interesting world of insurance, where security and assurance go hand in hand! Whether you're a seasoned insurance pro or just dipping your toes into this large sea of policies, understanding how insurance works is important for making smart decisions. From safe… Read More

Children's Health Insurance Program ChipA Point-of-Service plan functions as a combination of an HMO plan and a PPO plan. The insured can choose between coordinating all treatment through a primary care physician, receiving treatment within the insurer’s provider network, and using non-network providers. The type of plan they have will dictate th… Read More

Affordable Health Insurance PlansSome examples of costs not covered are hospital stays, skilled nursing facility stays, blood, Medicare Part B yearly deductible and Medicare Part B covered services. A Medigap policy will not cover long-term care, vision or dental care, hearing aids and private-duty nursing. With most job-based health plans, an empl… Read More

North Carolina Health Insurance PlansAll insurance companies receive funds from the equalization pool to help cover the cost of this government-mandated coverage. Information can also be found regarding eligibility for help with paying premiums and reducing out-of-pocket costs. Integrated Shield insurance plans cover large hospitalization bills for… Read More

Health Insurance Marketplace HomeAdditionally, some prescriptions drugs may require a prior authorization before an insurance program agrees to cover its cost. In the late 1990s and early 2000s, health advocacy companies began to appear to help patients deal with the complexities of the healthcare system. The complexity of the healthcare system has… Read More