insurance coverage

What do you mean my doctor is not accepted in your network, I asked if they accept my insurance before I went!

The majority of medical providers will say yes if you ask if they accept your insurance. (unless it is Medicare and they may say they do not accept Medicare patients.) This does not mean they will be “in network” and thus be subject to the contracts that limit what the physician may charge you. Continue reading

Is being 80% insured like being just a little pregnant?

Your home owners policy requires that you insure your home for at least 80% of it’s value. The idea here is that if you only insured your home for let’s say 40% of it’s value then why should your insurance company pay 100% of your homes value if it burns down? Continue reading