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How to Write a Letter of Appeal for Health Insurance Coverage
If you have received that dreaded denial letter or an unexpected bill for medical services, don't panic. Review your health insurance plan information to determine why the claim may have been denied or...
View ArticleHealth Insurance Coverage for Travel
Many U.S.-issued insurance policies offer little or no coverage when the policy holder travels abroad and may pay a smaller percentage of your hospital bill when you travel within the country to an...
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What Is Disability Medicare Supplemental Insurance?
Medigap supplemental insurance is offered by private insurance companies and is designed to help cover the costs not paid for by traditional Medicare, such as co-pays and deductibles. Medigap policies...
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How Much Sewer Backup Coverage Is Appropriate?
Into every life, a little rain must fall. But what happens when the rainstorm doesn’t stop and the downpour overwhelms your home’s sewer system or your sump pump’s ability to handle the water runoff?...
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Does Insurance Go Up When You Install a Pool?
There’s nothing better than jumping into a cool, sparkling-clean pool on a hot summer day -- especially when the pool is in your own backyard. For many people, especially in areas with warmer climates,...
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How to Cancel Escrow With PMI
If you got stuck with private mortgage insurance when you got your home loan, you probably can't wait to get rid of the pesky monthly fee. PMI benefits your lender and adds to your monthly mortgage...
View ArticleDo You Have to Be Married to Share Health Insurance?
If you have health insurance, it's usually no problem to provide added coverage for your spouse. With domestic partners, it depends on the employer. Many companies won't grant your unmarried partner,...
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If I Get Married Can I Be Carried on My Parents' Insurance?
The Patient Protection and Affordable Care Act passed in 2010 says if you're eligible for medical coverage under your parents’ health insurance policy, you can stay on their plan until you're 26. It...
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How to Get Water Damage Coverage with Homeowners Insurance
Broken pipes or a leaky roof can cause serious damage to your home, and most homeowners insurance policies will reimburse you for at least part of the cost. Homeowners insurance policies deal...
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What Is the Umbrella Coverage for Homeowners Insurance?
The odds are against you being sued for a disastrous event at your home for damages that exceed what your liability insurance company is willing to pay. But if an unfortunate event that like that were...
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Does Insurance Cover a Roof Collapse Caused by Snow & Ice?
If you think the weather outside is frightful for you, what about your poor roof? In parts of the country with colder climates, snow and ice can build up on a roof in the winter, adding a tremendous...
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What Is Extended Coverage Insurance?
A basic homeowners insurance policy doesn't always give you enough coverage to pay for your losses. Although the extended coverage options your insurance company offers may vary depending on your...
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Does Renters Insurance Cover Damaged TVs?
You just got your first apartment or you’re renting a cute little house in a great neighborhood until you save enough money to buy. Although you don’t own the space, the landlord’s home insurance won’t...
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Is Employer-Paid Health Insurance Taxable?
You don't pay tax on your workplace health insurance. Even if your employer's paying part or all of the premium, the IRS doesn't count the money as taxable income. You may see health insurance listed...
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How to Understand a Health Insurance Card
Have you ever taken the time to actually read all of the information that’s printed on your health insurance card? At first glance that tiny piece of plastic may seem to contain little to no...
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How to Determine Primary & Secondary Health Insurance Coverage
If you and your partner are covered on each other's health insurance, you don't get to double-dip on benefits. You can't file the same bill with both insurers and get paid twice, or get twice as many...
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What Insurance Coverages Should Be Required for an Independent Contractor?
The path to working independently starts with identifying clients who may be interested in the services of an independent contractor. Once potential clients are identified, the contractor needs...
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The Difference Between POS & HMO Health Insurance
There's not a chasm of difference between POS insurance and HMO insurance because POS plans mix and match aspects of other types of coverage – including HMOs. Therefore, the two share some...
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Can I Insure My Husband on My Health Insurance Even Though He Has the Option...
Dealing with health insurance is a pain. The deductibles, co-pays and red tape are the least of your problems if you can't even get a policy. With dual earners, many couples struggle with decoding the...
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ERISA Rules for Health Insurance
If your job provides you with health insurance, those benefits are most likely governed by the Employee Retirement Income Security Act (ERISA), which requires private American insurance providers to...
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