Having the right kinds of insurance — including good medical, disability, automobile, homeowner, long-term care, life, and even travel insurance — is key to good financial planning. This page about insurance gives you the lowdown on how to successfully navigate the often perplexing world of insurance coverage.
Insurance Coverage for Your Recreational Vehicles
Summer is here and so are adventures in the great outdoors—jetting around the lake in a boat or flying over hills on a dirt bike. Driving through open terrain on an ATV may be fun, but the truth is that accidents happen on all types of recreational vehicles and vessels, causing hundreds of deaths, thousands [...]
Homeowner’s Insurance vs. Natural Disaster Insurance
Flooding causes billions of dollars in damage annually—last year it was nearly $8.5 billion—yet only 14 percent of homeowners have flood insurance, according to the Insurance Information Institute. Flood damage can happen suddenly, whether it’s from a hurricane, a heavy storm, or rising river water. Last month, torrential rains flooded parts of Minnesota and Wisconsin, forcing [...]
Renovating Your Home? Renovate Your Insurance Policy
Consider renovating your homeowner’s insurance policy before picking up a hammer or hiring a contractor. If a fire gutted your home, how would you feel if your homeowner’s insurance policy paid only three-quarters of the cost of rebuilding it? Not too happy—and understandably so. Unfortunately, that’s what can occur if you forget to update your insurance for such big-ticket [...]
Health Insurance 101: Use the Services Your Plan Offers
In order to get the most out of the services offered by your health insurance plan, it’s important to be a proactive and informed consumer. Here are some tips for maximizing your health insurance benefits without draining your wallet. Take advantage of preventative services If you joined your health plan on or after Sept. 23, [...]
Get the Most Out of Your Health Insurance
Americans spend thousands of dollars on healthcare costs each year, but just having health insurance isn’t enough. To maximize your health insurance plan, you need to utilize its benefits effectively. With dollars flying out of your pocket for your insurance premium, co-pays, out-of-pocket costs, and prescription drugs, it’s important that you get the most for [...]
Tips for Filing a Health Insurance Appeal
Navigating the world of healthcare and insurance can be difficult, but if your health insurance claim was rejected, you still have options. Last week’s blog addressed reasons your claim might be rejected. Here are tips for consumers looking to file a health insurance appeal. Steps to take for your first health insurance appeal Review the [...]
How to Appeal a Health Insurance Denial
Dealing with an illness or injury can be upsetting, yet it can add insult to that injury when your health insurance claim is rejected. The insurance company may deny payment for your medical care or it may decide that the treatment your doctor has recommended isn’t medically necessary. But you don’t need to accept the [...]
Your Teenage Driver and Your Auto Insurance Policy
My parents let me start driving as soon as I was able so I could help them run errands, but in my line of work I see too many car accidents involving teenagers to think this is a safe practice today. Teenage driving safety is one of my biggest concerns—an insurance policy can protect you [...]
Your Health Insurance Policy: Therapy Coverage
It’s one thing to go to the doctor if you have an illness or other immediate need for care and to have that visit covered by your health insurance policy. But some people also need to see a medical professional for issues such as mental illness, physical therapy, or other health concerns. Not all insurance [...]
If a Tree Falls…Who Makes the Insurance Claim?
2011 was the year of big storms, and many people made a homeowners insurance claim as a result. We should have known it was going to be a crazy year for weather when a powerful storm hit one third of the nation between January 31, 2011, and February 2, 2011. Then, one of the worst [...]