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If you move out of state, you’ll need to get coverage in your new state and need to report your move within 30 days and enroll into a plan within 60 days, but each state rules may vary. When you move, if you have insurance now, it would be considered a qualifying life event.
Vision insurance is supplemental health insurance that covers vision-related care. This includes annual visits and emergency care, along with corrective products such as glasses and contacts.
In most cases, dental insurance pays for routine care such as annual x-rays, cleanings and exams, as well as procedures such as fillings, crowns and bridges. Health insurance pays for damage caused by a trauma to the mouth, such as an injury or accident.
What happens if you need healthcare services when you are hundreds of miles away from the nearest in-network provider? How you receive emergency or non-emergency medical care and pay for it depends largely on your health insurance plan.
If you have a qualified health plan (QHP) the answer is yes, ambulance rides are covered. A QHP is an insurance plan that is certified by Nevada Health Link in Nevada that covers “10 essential health care benefits” including emergency transportation. You may need to pay a deductible, co-payment, or co-insurance for your ambulance trip.
You have an auto insurance policy that covers damage to your vehicle, but what if you regularly use your vehicle to pull your trailer? Does that trailer have the same coverage as your car or truck?
Motorcycles, mopeds, scooters and bicycles may account for a relatively small percentage of vehicles on the road, but they are consistently over-represented in fatal traffic accidents.
Closing on your home can feel like the end of a long journey, and while it is definitely a reason to celebrate, the work is not quite done. There are a few jobs to tackle before getting fully settled.
Road rage does endanger other drivers and their passengers. It goes further than being aggressive. It’s the extreme intentional aggression in driving that can make it criminal.
Co-insurance means two parties will be paying for the bill. “Co” means joint, mutual, two, or more. The health insurance company will usually pay the larger amount (example 70%) and you as the member will usually pay the lesser amount (example 30%). This would be considered co-insurance 70/30. This (co-insurance) usually happens AFTER the deductible is met.
If you experience a more extensive medical emergency and require hospitalization, hospital bills may quickly become a burden. A three-day stay, for example, could set you back about $60,000 depending on what tests are ordered and what happens during your stay.
Generally speaking, the intended parents are responsible for covering pregnancy-related expenses, including complications that may arise over the course of the pregnancy and delivery. The standard way to control health care costs is to purchase health insurance for the woman acting as the gestational surrogate.
As is the case with all elective surgeries, rhinoplasty is not covered by health insurance when the procedure is not medically necessary. Cosmetic rhinoplasty changes the overall appearance of the individual’s nose by reshaping it or reducing its size.
Health Maintenance Organization (HMO) vs. Preferred Provider Organization (PPO) vs. Exclusive Provider Organization (EPO)
Many who struggle with substance abuse, also struggle with mental health disorders like depression, anxiety, and bipolar disorder. Often, treatment will include medication, therapy, and rehab for both provided it’s medically necessary.
If your health insurance company refuses to cover a claim, you have the right to appeal the decision and have it reviewed by a third party. Your policy should outline how to appeal a denial.
Guaranteed issue means that the health insurance coverage is guaranteed to be issued to applicants, regardless of their medical history, their age, their gender, or any other factors that might increase their likelihood of using health services.
A deductible is an amount you pay before the Insurance Company starts paying. Health insurance plans will have different deductibles. You’ll be expected to pay the whole medical bill out of your own pocket until you’ve paid your deductible.
During the Medicare Annual Election Period (AEP), which is from October 15th through December 7th each year, many people may ask the question, “Do I want a Medicare Advantage Plan or a Medicare Supplement Plan (Medigap)?”