Disabilities and old age can be factors that affect the way a person perform his or her normal day-to-day functions…

What Does Out Of Network Mean? PPO and HMO health insurance plans use a network of medical service providers. These providers agree to abide by network rules, and of course, network price guidelines. So these providers, like doctors, hospitals, and therapists, agree to accept network charges for various medical services. In return, they may get […]

Many people in the US have experienced a rough winter this year, and winter storms do a lot of damage. In fact, the Insurance Information Institute estimates that winder storms caused over a billion dollars in property damage last year. Water damage and frozen pipes, alone, account for 20% of this figure, and the average […]

Car insurance buyers should know that, just as with real estate, location really matters when comparing car insurance prices. Why will a driver pay a different premium if they live in a small community or a large metro area? Of course, insurers keep statistics on the amount of claims in an area, and also the […]

I have to admit that we Americans tend to view our shores as the boundary of the world, and most of our concern about the current economic downturn focuses on the US. But this recession has worldwide consequences. One consequence is that international insurance companies predict rates hikes as the economy gets worse. Of course […]

Many people worry about losing health insurance if they change jobs or become unemployed. Luckily, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) and the Health Insurance Portability and Accountability Act (HIPAA) offer some protection. However, you need to know exactly how these acts affect you before making any major life changes. Health Insurance […]