Health Insurance
Limitations, Exclusions, and Riders Sep 8, 2008
Like any insurance, health insurance can be complicated. Trying to understand the ins and outs of coverage can be like trying to crack an elaborate code. A big piece of the puzzle is getting familiar with policy limitations, exclusions, and riders.
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Planning a Family? Get to Know Your Health Insurance Policy Sep 8, 2008
Congratulations! You've decided to start a family. Up until now, your health insurance has probably been adequate, paying for routine doctor visits and prescription drugs. But now that you're facing a lifestyle change, you must make sure that your health insurance policy will keep up with those changing needs.
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POS Plans Sep 8, 2008
You're not alone if you're feeling confused by health-care plans that offer you benefits with one hand and place restrictions on you with the other. Fortunately, the world of managed care has begun to loosen up. And point of service (POS) plans may be leading the way. A POS plan is a type of managed care health system that maintains a network of physicians, hospitals, medical labs, and pharmacies for the health care of its members. POS plans blend the provisions of two major managed care models, combining the low out-of-pocket costs of health maintenance organizations with the flexibility of preferred provider organizations.
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Prescription Plans Sep 8, 2008
If your doctor has prescribed medication for you recently, you may be well aware of the rising costs of prescription drugs. These costs can eat up a large portion of your budget, especially if you develop an illness (like diabetes) that requires regular medication.
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Tax Tips; Health Insurance Sep 8, 2008
Your health insurance coverage probably came in handy several times over the past year. It all seemed so simple at the time--you paid a deductible, and your insurance usually kicked in the rest. But what do you do at tax time? Just what are you taxed on, and what can you deduct on your federal income tax return?
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Understanding Your Health Insurance Policy Sep 8, 2008
There's no doubt about it--health insurance can seem complicated. A typical policy is filled with the kind of technical jargon that sends many of us into cold sweats. Fortunately, understanding the basics of your policy isn't as difficult as you might think.
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