No-cost insurance for certain medical procedures has become an emerging issue among patient advocates and medical professionals. Services such as biopsies that diagnose health problems should be free, as well as lab tests, say the most vocal advocates. Here’s a look at who pays for preventive care and diagnostic tests. Free Preventive Healthcare The Affordable Read More
If an unforeseen event disrupts your travel plans, you’ll likely lose the money you’ve spent on nonrefundable travel purchases. In such a situation, travel insurance can cover the resulting losses, ensuring you do not lose your money. It’s worth noting that some insurers offer travel insurance specifically designed for senior citizens. Here is detailed information Read More
According to the National Association of Dental Plans, more than 70% of Americans have some form of dental insurance. Of course, knowing the ins and outs of your dental insurance coverage will enable you to take full advantage of your policy. For instance, while most Medicaid policies exclude dental care for adults, children can comfortably Read More
Different guidelines apply to health with age, as younger people tend to be healthier than older age groups. While you still need to follow your doctor’s directions, here are general considerations healthcare professionals recommend for different age groups. Young Adulthood (20s and 30s) Even though changes in health with age require unique solutions, certain actions Read More
Life insurance is a policy that pays a predetermined sum of money to the policyholder’s beneficiaries if the policyholder dies unexpectedly. This money can come in handy in clearing debts, paying estate taxes, covering funeral expenses, and even paying for the beneficiaries’ education and healthcare. Here are five instances where life insurance can provide for Read More
Your standard medical insurance policy will cover your medical expenses if you fall sick or get injured. However, if this happens while you’re on a trip abroad, you will likely need extra coverage, mainly because hospitals in other countries do not usually accept U.S. healthcare plans. Additionally, most U.S. healthcare insurance plans only provide coverage Read More
A standard life insurance policy typically pays out death benefits to the named beneficiaries in the event the policyholder dies unexpectedly. In exchange, the policyholder pays premiums throughout the term of the policy, that is, during their lifetime. However, if the policyholder wishes to terminate this arrangement for one reason or another, he/she can decide Read More
When approaching 65 years old or even in your early 70s, you should consider getting long-term care insurance. Social security, such as Medicaid, doesn’t cover all parts of long-term care (LTC). As such, it can’t fully pay for constant in-home care or assisted living services, in case you develop a chronic or disabling condition when Read More
With so many options to choose from, the process of shopping for life insurance can be both hectic and confusing. According to a study by LIMRA and Life Happens, consumer confusion around life insurance is among the main reason why some Americans don’t carry this coverage. However, the COVID-19 pandemic has given many Americans a Read More
Life insurance is a policy that pays a specified amount (death benefit) to named beneficiaries when the policyholder dies. For this coverage, the insured pays a premium at regular intervals, such as monthly. The financial payout can cover costs such as: End-of-life expenses Beneficiaries’ upkeep Debts owed by the deceased College tuition for children of Read More