Health Insurance

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What does UMR health insurance stand for?

There are many types of health insurance coverage floating around out there, so it can be difficult to keep them all straight. UMR health insurance is an often misunderstood type of insurance. As a self-funded insurance plan, the insured employers will assume the financial burden borne by most healthcare-related costs. While it is true that...

There are many types of health insurance coverage floating a...

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What shows up on a health insurance bill?

Are you curious about what information shows up on a health insurance bill? What shows up on a medical insurance bill is a description of services, the codes used by the insurance company, and the balance owed. The total balance varies based on how much your insurance covers. After the health insurance company files your...

Are you curious about what information shows up on a health ...

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The Best Health Insurance Plans By State

It’s a no-brainer: health insurance is a good thing to have. But less clear is figuring out which insurance to get.  That’s where we come in: we’ve cross-referenced US News and World Report’s company rankings with the ranking from the National Committee For Quality Assurance, and found the three best health plans in every state....

It’s a no-brainer: health insurance is a good thing to hav...

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Aetna vs AFLAC

Health insurance is almost a requirement to get quality health care in today’s world. If you are looking for health insurance, two of the top insurance providers to compare are Aetna and AFLAC. They are both well known companies which offer quality health insurance products. Compare insurance companies with our FREE quote comparison tool! Enter...

Health insurance is almost a requirement to get quality heal...

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Aetna vs Health Net Insurance Company

When it comes to the American health care benefits industry, it’s almost impossible to leave out two longstanding participants: these include the pre-war Aetna Insurance Company, and the equally ubiquitous Health Net Insurance Company. This may be due to their nature as large publicly traded companies, with nationwide operations all over the US. What follows...

When it comes to the American health care benefits industry,...

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AFLAC vs United Healthcare Insurance Company

When shopping for an insurance provider, it is important to know your options. Both AFLAC and United Healthcare are top companies in their niche. These two companies represent different types of health insurance, traditional and supplemental. AFLAC vs United Healthcare Insurance: What’s the difference? United Heathcare Insurance Company is a division of UnitedHealth Group. It...

When shopping for an insurance provider, it is important to ...

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AFLAC vs Humana Insurance Company

Insurance is a requirement in the event of a life changing catastrophe. When comparing Humana, a traditional insurance provider and AFLAC, a non-traditional insurer, there are many points to consider, including what type of coverage is offered, whether you have an existing insurance policy, and whether you would need cash benefits in the event you...

Insurance is a requirement in the event of a life changing c...

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Who are the best insurance companies?

In a nutshell, the best insurance companies are the ones who best keep their customers satisfied. Buying insurance is not necessarily the same as buying tangible goods likes cars or boats; so attempting to quantify and decide who’s the best is an almost impossible task. Compare rates and benefits with the free zip code based...

In a nutshell, the best insurance companies are the ones who...

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How much does long term care insurance cost?

The cost of long term care insurance can be quite expensive, ranging anywhere from $500 to $8,000 per year depending on a variety of factors. Long term care can be very expensive and quickly dwindle away your lifelong savings as well as your assets if insurance is not purchased wisely. Get online insurance rates on...

The cost of long term care insurance can be quite expensive,...

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What is the difference between an “indemnity” and “expense incurred” long-term care insurance policy?

The terms “indemnity” and “expense incurred” refer to how a health insurance policy addresses the total amount of your long-term health benefit. An indemnity insurance policy pays a fixed daily amount for long-term care, while an expense incurred policy reimburses you up to a certain amount you decided on when you bought the policy. The...

The terms “indemnity” and “expense incurred” refer t...

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How do you file a complaint against a long term care insurance company?

Filing a complaint against a long term care insurance company is a three step process. You will need to contact the provider, start an appeal and, if your needs are not met, contact your state’s department of insurance. To get insurance quotes for long term care type your zip code into the free rate tool...

Filing a complaint against a long term care insurance compan...

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Can a statutory employee deduct health insurance premiums?

The Lowdown  Statutory employees can deduct health insurance premiums  The statutory employee must follow all regulations before deducting premiums, or else they won’t qualify Some health insurance companies and policies specialize in self-employment, though they’re more costly than traditional insurance Statutory employees can deduct health insurance premiums, but they must meet certain conditions. Generally, statutory...

The Lowdown  Statutory employees can deduct health insuranc...

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I don’t have health insurance and I need surgery what should I do?

If you don’t have health insurance and you need surgery you may be able to get some financial relief by scheduling your surgery with a hospital that works with uninsured patients. Your other option is to work out a payment plan with the doctor and hospital prior to scheduling the surgery. An option you do...

If you don’t have health insurance and you need surgery yo...

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Can I get health insurance with a pacemaker?

It is possible to obtain health insurance with a pacemaker, but it will depend on your age, your health status, where you live, and your employment status/income level. If you are over age 65, you should qualify for Medicare and you would most likely obtain a supplemental policy for your pacemaker care. If you are...

It is possible to obtain health insurance with a pacemaker, ...

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Can you be denied health insurance if you have herpes?

Herpes is one of the most common sexually transmitted diseases in the United States. The infection is considered a preexisting condition when applying for private health insurance coverage. Consequently, insurance providers cannot deny coverage or charge higher premiums just because you have herpes.  The Affordable Care Act (ACA) requires insurance companies to cover all medically...

Herpes is one of the most common sexually transmitted diseas...

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Can you be denied health insurance coverage for a DUI or alcohol abuse?

If you have a DUI conviction or abuse alcohol, you may be wondering whether insurers will deny you health insurance coverage.  Insurance companies won’t deny health insurance because of your driving record or substance abuse, but alcohol abuse can impact your body negatively. Depending on how your alcohol abuse affects you, you could pay a...

If you have a DUI conviction or abuse alcohol, you may be wo...

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