Entries by Rebecca Yates

Long-term care insurance, should you have it?

Becoming chronically ill due to a cognitive impairment, or if you’re unable to perform at least two activities of daily living without substantial assistance, qualifies a person for long-term care. Having insurance that covers long-term care would help pay for the care you need. Depending on the level of care that is required, that care […]

Five Factors that can Affect Your Premium

Did you know there are five factors that can affect how much your health plan’s monthly premium under the health care law? However, individual states can limit how much these factors come into play. These five factors are:   Age: Premiums can be up to 3 times higher for older people than for younger people. Location: Where […]

Should you choose a high or low deductible?

Understanding your deductible and out-of-pocket cost is important when choosing a health care plan. The deductible is the amount of money you need to pay towards your health care before your insurance kicks in and begins to cover costs. Deductibles can range from just a few hundred dollars to several thousand dollars. There are even […]

Life Insurance Can Provide Stability for Millennials

  Millennials find themselves in the stage of life that may require them to purchase their own insurance. After having aged out of their parent’s insurance coverage, both car and health, coverage needs may not be as black and white as one might think. While some millennials are deciding to put off getting married or […]

What does Travel Insurance Cover?

Travelers insurance covers medical emergencies outside of your service area. When you travel, most plans say they will cover medical emergencies, but they may leave you open to balance billing, conversion problems, and difficulty with approvals of procedures.  Having secondary Travel Medical Insurance will ensure you are covered no matter where you are. These plans […]

Is Vision Insurance Worth It?

Deciding what health coverage’s you need can be overwhelming. Vision coverage is one of those add on items that you can either take or leave it. It is important to note that vision insurance does not cover all things pertaining to your eye. Medical insurance covers things like accidents, surgery and eye diseases. What vision […]

What is CHIP?

The Children’s Health Insurance Program (CHIP) provides low-cost insurance converge to children in families who earn too much money to qualify for state Medicaid. If your child(ren) are eligible for CHIP, you do not have to purchase an insurance plan to cover them. Each state has its own rules and guidelines, but the CHIP program […]

What is the fate of the U.S. healthcare?

In the upcoming months, we can expect to hear what Donald Trump has in store for the Affordable Healthcare Act. During his campaigning, Trump made it known that a change was definitely part of his agenda as President. The policies that Trump is proposing will require extensive changes to the current U.S. regulatory and legal […]