Disillusioned with Medicare and worried about their future, the number of American seniors increases who say they are going to have to work longer because of the financial crisis.
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Deductible is not a dirty word
HMOs (Health Maintenance Organizations) and PPOs (Preferred Provider Organizations), to say the least, are not the best of friends! One thing HMOs do in their marketing is to claim that they have “no deductibles.” Of course this is a slam at PPOs that have deductibles. Yet HMOs don’t mention that if a client goes into […]
What’s the Difference Between an Insurance Agent and and Insurance Broker?
An Insurance Agent is usually the representative of one company. Good agents focus on helping clients understand the insurance products of their company. An Insurance Broker represents the client and not a specific company. Brokers, because they have contact with many companies, can offer a wide variety of products. This helps clients find the best […]
What is a Pre-Existing Condition and Will My Health Insurance Cover It?
Never lie on your health insurance application. You will be asked about your medical history because the insurance company is looking for pre-existing conditions. This short blog will tell you what a pre-existing condition is and how it will affect your ability to get affordable health insurance.
Waivers and Riders – What are those?
I’ve been thinking about “waivers” and “riders” and how that might affect a young woman with a busted knee when she tries to buy health insurance. What are her options?
