These days, insurance can be one of the hardest things to understand, and policies can change each year. So, is health insurance required? In most states, no. History of the Affordable Care Act If you’re one of the many people to have been an adult during the Obama presidency, you may still be under the […]
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Many people have health insurance, but do you know how it works? It can be confusing, but with the right help, you will be on your way to having great, affordable coverage. The Basics Let’s start with this—what does health insurance do? If you have a policy, it will help pay for your medical expenses.
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In the United States, we’re used to getting health insurance through our job. But what if your employer doesn’t offer health insurance? Here’s how to get the coverage you need. What’s Your Situation? The best way to find health insurance without getting it through your employer is to know your work situation. Some small businesses
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Life can become overwhelming if you find yourself without health insurance coverage. There are events that can lead to you losing your health insurance policy, giving you nowhere else to turn. Thankfully, there is an option for situations like this – short term health insurance. Why Do I Need Short Term Health Insurance? Short term
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Exclusive Provider Organization (EPO) health plans are network-based, combining the features of Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans to give policyholders the best of both worlds. How Does an EPO Plan Work? EPOs cover you based on the healthcare professionals you see and the facilities you visit. That’s why it’s important
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Health insurance is a must, because without it, medical costs can rise to the point of being seemingly insurmountable. When you have health insurance, you only have to pay a fraction of the costs that you would if you were uninsured. The good news is that health insurance is easier to obtain than ever before,
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Group health insurance is an excellent way for companies to provide their employees with peace of mind. Group health also usually has lower premiums than individual plans because more than one person shares the cost as it’s divided amongst the company. For many, this makes group health insurance a better option than individual health insurance.
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Individual health insurance is health insurance that covers only one person. It’s also a great option for people who do not have group health coverage through employment or are between jobs or looking for something different from their current coverage options. However, it’s important to understand how the policy works before making any decisions about
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Health insurance is a specific kind of insurance that usually pays for medical, surgical, and prescription drug expenses. Health insurance can pay your care provider directly or reimburse you for expenses you incur from illness or injury. In exchange, you usually pay a monthly premium. If you have an employer who offers a benefits package,
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The coronavirus pandemic has had a tremendous impact on the daily lives of millions of Americans. If you feel you may have contracted the disease, you may be considering getting tested for the virus. But will your health insurance cover COVID testing? Keep reading to find out. Insurance and COVID Tests If you have health
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