What is Final Expense Insurance?
Final expense life insurance is usually sold to mature adults, usually around 45 – 85. The insurance policy is taken out with the idea of paying for a funeral, burial or cremation, and other related costs.
Blog
Home >
What is Defensive Driving?
Defensive driving is a strategy that helps drivers recognize potential hazards on the road and adapt to weather and traffic conditions and the unpredictability of other drivers. Learning defensive driving habits can help you stay safe behind the wheel.
Nevada Driving Laws for Seniors
Studies have shown that advancing age is associated with higher fatal crash rates. As is the case in most states, Nevada has a set of rules for older drivers to ensure their safety and the safety of everyone they share the road with.
How Many Hours Can You Safely Drive?
If you are not accustomed to spending hours per day in your car, it can be difficult to determine how quickly you should aim to reach your destination.
Safety Tips For Driving In The Rain
In Las Vegas, roads are particularly slick at the beginning of the storm. That is because they are built without a drainage layer. Dust, oil and grime collect on the surface of the road. When it rains and these mix with water, the dirt settles to the bottom and the oil rises to the top, creating a very slick surface.
Understanding Motorcycle Insurance
If you ride a motorcycle, then you need an insurance policy that protects you and your investment. Understanding what coverage is available and even more importantly, what coverage is legally mandated, can ensure that you enjoy your bike for years to come.
Buying a Used Car From a Private Seller
The vehicle’s history report includes information such as its previous owners, open recalls and damage, accidents, repairs, maintenance history, and odometer readings. If you are buying the vehicle from a dealership, then they will probably provide you with the report if you ask for it.
How To Surrender Your Vehicles License Plates
Every state has its own laws for what you should do with your license plates if you sell your vehicle or cancel your auto insurance policy. In some states, you are allowed to keep personalized and vanity plates, but you must turn in regular license plates.
Why You Shouldn’t Ignore Vehicle Recalls
If you get a recall notice in the mail, read the letter carefully. It describes the issue and outlines any risk that it poses or warning signs that you should pay attention to. It also gives you a timeline within which you have to schedule an appointment with a licensed dealer to have the issue taken care of.
Catastrophic Health Insurance Explained
Like major medical health insurance plans, catastrophic health insurance covers the 10 essential health benefits outlined in the Affordable Care Act. However, if you have this type of plan, your out-of-pocket costs for services are considerably higher than with regular health insurance.
What Is A Prescription Drug Deductible?
A prescription deductible is different and separate from the medical deductible, unless otherwise stated. One deductible is for medical, ie: hospitalization, doctors, etc., and the other deductible is for filling your prescriptions.
Does Health Insurance Cover Sex Change?
Gender reassignment surgery in order to be considered medically necessary, certain criteria must be met, such as if a qualified mental healthcare professional provides a referral and medical or mental health concerns are present.
How Much Will I Have to Pay For an MRI?
While MRIs are generally covered by health insurance, it is left to the discretion of your health insurance company to decide whether the test is medically necessary. If your provider determines that it is not, then you may pay for the procedure out-of-pocket.
Does Health Insurance Cover Hair Loss?
If you are experiencing hair loss due to an underlying medical condition, then there is a good chance that your health insurance will cover treatment for the condition, either completely or at least a portion of the cost. To be sure, you’ll want to check your “Agreement of Coverage” document.
Health Advice From Centenarians
Gardening has been shown to positively impact our moods, reduce stress and alleviate symptoms of anxiety and depression. However, studies have shown that the benefits of this hobby may extend even beyond promoting a sense of contentment and well-being.
Why Does Health Insurance Have an Open Enrollment?
The Affordable Care Act / Obamacare, put specific enrollment periods in place to prevent people from only enrolling in health insurance when they were sick or needed surgery.
Are Fertility Services Covered by Health Insurance?
Even if you live in a state that requires health insurance coverage for fertility treatments, there may be certain requirements that you have to meet to have services covered. For example, if you have unexplained infertility, you might only qualify for in vitro fertilization after a period of time or a specified number of in-vitro cycles.
Things Potentially NOT Covered By Your Health Insurance
To be fair, in recent years, health insurance companies have made strides towards transparency. If you have an ACA-compliant plan, there are many services that your health insurance is legally required to cover, taking some of the guesswork out of budgeting for health expenses.
Out of Pocket Maximum
Your out-of-pocket maximum is the most you’ll have to pay for covered services in a policy period (one year), each January 1st it starts over again, and that includes cost of medications too. After you reach this amount, your health insurance plan will pay 100%.