Content tagged "insurance"

Fire Prevention and Wildfire Safety: Southeastern U.S.

The southeastern United States consistently experiences more wildfires per year than any other region. More than 100 million acres of land have a moderate to...

Agritourism Landowner Liability

Agricultural and Food Law Updated: November 01, 2015

In most states, a landowner’s liability is dependent on the status or classification of the individual on the landowner’s premises. The three classifications...

Are all pre-existing conditions allowed?

Personal Finance Creating Healthy Communities Updated: September 29, 2015

Yes, all pre-existing conditions are allowed and can no longer be used to bar an individual from obtaining health insurance coverage. This provision of...

How can I protect my property from future floods?

Here are a few ways you can protect your property from future floods:

Is a Health Savings Account (HSA) a good idea? What are the advantages and disadvantages?

Personal Finance Creating Healthy Communities Updated: December 08, 2013

Money transferred to the account is non-taxable, and interest earned in the account is also exempt from taxes if used for qualified medical expenses. Because...

What is the difference between a peril and a hazard?

Personal Finance Updated: December 08, 2013

A peril is any event that can cause a financial loss. Examples include a car crash, death, disability, fires, floods, illness, theft, and tornadoes (wind)....

What is the difference between a financial institution and an insurance company?

Personal Finance Updated: December 08, 2013

A financial institution is an organization that provides services that people need to manage their money. Financial institutions include different types...

What is the difference between bronze, silver, gold and platinum plans?

In order to be included in the Health Insurance Marketplace, each insurance company can offer four different types of “qualified” health insurance plans–...

What do the acronyms SUI and SDI on my paycheck stub stand for?

Personal Finance Updated: November 26, 2013

SUI is an acronym for "state unemployment tax." This deduction from your paycheck is used to provide funds to your state for temporary support of workers who...

Do children fall off my insurance policy on the day of their 26th birthday? How do they avoid a lapse in coverage?

Personal Finance Creating Healthy Communities Updated: September 03, 2013

Under the Affordable Care Act, children and step children can stay on their parent's insurance policies until their 26th birthday, provided the parent’s plan...

What happens if even the bronze plan under the Affordable Care Act (ACA) costs too much?

The Affordable Care Act mandates that most people are insured either through their place of employment or purchasing a policy on their own. Remember,...

Are all hospitals supposed to accept any or all insurance?

In the past, each hospital has been able to select which insurance plans it will accept. This could mean that if you got sick or injured while traveling, for...

Health Insurance FAQs

The Health Insurance Literacy ASK group provides answers to your questions about the Affordable Care Act to help you make smart health insurance choices...

How do I take on a new cost for health insurance when I can barely pay my bills now?

A spending plan is just exactly that, a plan for how you will spend all the dollars your earn and those given to you (including, hopefully, directing some to...

Is there anyone who can help me determine my best health insurance option?

Each state will have consumer helpers available to assist individuals with health insurance decision-making. Find these helpers at Healthcare.gov the...

How are health insurance and car insurance similar and different?

Car (automobile) insurance is similar to health insurance in a very important way: both types of policies provide protection against financial...

What do EPO, PPO and POS mean?

In the world of health insurance, there are separate and distinct types of insurance plans. In general, the three types of plans are Exclusive Provider (EPO)...

What is the difference between a premium, a co-pay and and out-of-pocket expense?

Health Insurance Plan costs can be broken into two categories: cost of having the plan and costs of using the plan. In order to purchase and continue to have...

Can grandchildren being taken care of by grandparents be on our insurance until age 26 and what if we go on Medicare?

Medicare is and will remain as individual health insurance only for those 65 and over. If you are on Medicare only and your grandchild is between 18- 26...

Where can I find a copy of the most updated version of the Affordable Care Act?

The Patient Protection and Affordable Care Act, signed into law on March 23, 2010, was amended on March 30, 2010 by the Health Care and Education...

Do I need insurance to conduct a prescribed fire?

Prescribed Fire Updated: June 26, 2013

Insurance is not a requirement for conducting prescribed fires. There are a few states that have insurance requirements in their burn certification programs....

What is the difference between a peril and a hazard with respect to insurance coverage?

Personal Finance Updated: March 01, 2013

Both of these terms are used frequently in insurance policies, particularly property insurance.A peril is something that can cause a financial loss. Examples...

What is a recurrent disability clause in a disability insurance policy?

Personal Finance Updated: November 13, 2012

Look for a “recurrent disability” clause when purchasing disability insurance. This means that if a person recovers from a disability but becomes disabled...

Does your health insurance premium go toward your deductible?

Personal Finance Updated: November 02, 2012

In most instances, the answer is no. Premiums and deductibles are two separate payments related to an insurance policy. A premium is paid to simply have...

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