Health Insurance

Health Insurance

Discount Health Programs vs. Health Insurance
Health Insurance

Discount Health Programs vs. Health Insurance

A discount health program provides members with discounts for medical services. While health insurance provides coverage for a small or large portion of your medical needs, it, unfortunately, is not always the most affordable and accessible option.

Erica Kahn
Erica Kahn23 Aug 2022
Does Health Insurance Always Cover Emergency Room Visits?
Health Insurance

Does Health Insurance Always Cover Emergency Room Visits?

In general, insurance companies will cover the cost of your visit to the ER (minus deductibles or copays), as long as your condition is deemed emergent. In some instances, like for the treatment of minor illnesses, you may be responsible for the out-of-pocket costs. Some emergencies can be treated at urgent care facilities instead of ERs to save money, such as sprains and stitches.

Talor Bianchini
Talor Bianchini12 Dec 2022
COBRA vs. Marketplace Insurance
Health Insurance

COBRA vs. Marketplace Insurance

There are typically two routes that you may consider if you are between jobs: COBRA and Health Insurance Marketplace (HIM) plans. COBRA may be a better fit for those with pre-existing medical conditions, but marketplace plans are usually more affordable.

Talor Bianchini
Talor Bianchini23 Aug 2022
How Can I Use HSA Funds?
Health Insurance

How Can I Use HSA Funds?

You can use the funds in your Health Savings Account (HSA) to pay for IRS-qualified medical expenses, such as doctors’ visits and medications. You can pay for your IRS-qualified medical expenses using your HSA Bank Health Benefits Debit Card or pay out-of-pocket and reimburse yourself later with HSA funds.

Alexis Bryan
Alexis Bryan12 Dec 2022
What is a High Deductible Health Plan
Health Insurance

What is a High Deductible Health Plan

A high deductible health plan (HDHP) is a health insurance plan with traditionally low premiums but higher deductibles. Other types of insurance plans, such as PPO, POS, HMO, and more, can still be classified as an HDHP, depending on the deductible of the plan.

Ashley Brooks
Ashley Brooks12 Dec 2022
Are At-Home COVID-19 Tests Covered By Insurance?
Health Insurance

Are At-Home COVID-19 Tests Covered By Insurance?

With new variants emerging, at-home COVID-19 tests are becoming more widespread within various drug stores. However, their costs have remained an issue for many Americans. In general, health insurance companies do not cover the cost of an at-home COVID-19 test.

Madeline Hlobik
Madeline Hlobik6 Jan 2022
Are Lab Tests Covered By Insurance?
Health Insurance

Are Lab Tests Covered By Insurance?

Most major medical insurance covers the cost of many preventative and diagnostic lab tests due to the Affordable Care Act. Without insurance, lab services can become costly. Contact us to learn more about how much you can save on labs. Lab tests not covered by health insurance are often considered unnecessary such as genetic testing or at-home drug tests.

Talor Bianchini
Talor Bianchini23 Aug 2022
Best Health Benefits for Restaurant Employees
Health Insurance

Best Health Benefits for Restaurant Employees

Offering health insurance is not required if you run a small business with less than 50 full-time employees, but can boost retention and the health of employees. Some options to provide health benefits to restaurant employees include a restaurant association plan, SHOP coverage, an HRA, Care membership plans, or additional stipends.

Ashley Brooks
Ashley Brooks12 Dec 2022
What Is Fixed-Indemnity Health Insurance?
Health Insurance

What Is Fixed-Indemnity Health Insurance?

Fixed-indemnity insurance is not regulated under the ACA, therefore it does not require essential health benefit coverage, may discriminate based on pre-existing conditions, and does not require a cap on annual out-of-pocket spending.

Ashley Brooks
Ashley Brooks12 Dec 2022
Best Healthcare Options in Texas
Health Insurance

Best Healthcare Options in Texas

Some of the best health insurance options Texas'sinclude MyBlue Health Silver 405, Friday Catastrophic, and Golden Rule Supplemental Insurance.

Talor Bianchini
Talor Bianchini23 Aug 2022
Best Health Insurance Plans in NYC
Health Insurance

Best Health Insurance Plans in NYC

The best health insurance plans in NYC range from metal tiers, federal insurance plans, and alternative healthcare options.

Ashley Brooks
Ashley Brooks23 Aug 2022
Is It Cheaper To Get Health Insurance Through an Employer?
Health Insurance

Is It Cheaper To Get Health Insurance Through an Employer?

Obtaining health insurance through an employer is often cheaper than purchasing health insurance independently from your job - this is because your employer will help cover some of your health coverage and medical expenses.

Madeline Hlobik
Madeline Hlobik22 Nov 2021