Distinguished

APRIL 21, 2025

Without specialized landlord insurance, property owners may find themselves covering substantial repair costs, legal settlements, and lost income out of pocket. Automatic renewal: Ensures continuous coverage with hassle-free policy renewals. Imagine a property owner in Chicago is facing a burst pipe in the middle of winter.

Broker

Simply Insurance

JUNE 18, 2025

How Much Is A $100,000 Life Insurance Policy? Burial insurance is a straightforward insurance policy that provides a death benefit to cover funeral expenses. Its a financial safety net that ensures your loved ones arent burdened with these expenses during an already difficult time. What Is End-of-Life Insurance? Coverage in minutes.

Life Insurance

Simply Insurance

JUNE 20, 2025

How Much Is A $100,000 Life Insurance Policy? Spot Pet Insurance | Best Budget Friendly Pet Insurance Company Spot Pet Insurance appeals to pet parents looking for flexible plans that allow them to choose their own deductibles, reimbursement rates, and annual limits. And with some 40.1%

Insurance Quotes

Simply Insurance

JUNE 15, 2025

How Much Is A $100,000 Life Insurance Policy? Buy A Hybrid Long-Term Care Policy Unlike a regular long-term care policy, a hybrid long-term care/life insurance policy can cover you whether you need future long-term care or not. This option puts you in complete control of your funds in a way that no insurance policy can.

Insurance Quotes

Healthinsurance.org

JULY 18, 2025

3 But although many of the One Big Beautiful Bill’s policy changes won’t take effect until 2027 or later, some of the law’s Medicaid and Marketplace changes will be implemented by the time open enrollment for 2026 coverage begins in November 2025. The One Big Beautiful Bill Act (OBBBA) – or H.R. What is the OBBBA? Starting immediately, H.R.1

Out-Of-Pocket

Healthinsurance.org

DECEMBER 3, 2024

Delayed enrollment might mean missing out on free money. Four out of five people shopping for coverage in the 31 states that use the federally-run marketplace (HealthCare.gov) will find that they can get coverage for $10/month or less. Reasons to enroll in an ACA health plan by December 15? Letting your plan auto-renew?

Out-Of-Pocket Expense

TGS

OCTOBER 28, 2024

TGS Insurance » Blog How to Choose the Right Auto Insurance Deductible When it comes to auto insurance, one of the most important decisions you’ll make is selecting your deductible. But what exactly is a deductible, and how do you know which one is right for you? So, how do you choose the right auto insurance deductible ?

Deductible

Paragon Independent Insurance Agencies

JULY 31, 2024

The deductible is one of the most important decisions to make when choosing a homeowners policy. We are here to help you fully understand what a home insurance deductible is and which is best for you. What is a Home Insurance Deductible? The deductible isn’t just a one-time payment. Reach out to us today!

Deductible

Smart Insurance Agents

OCTOBER 13, 2024

But “no waiting period” dental insurance policies let you use certain dental services right away, starting from the first day of your policy. Understanding dental insurance policies without waiting periods can help you make an informed decision when choosing the right plan for your dental needs.

Out-Of-Pocket

Boyle Agency Insurance

DECEMBER 3, 2024

Deductibles The deductible is the amount you must pay out of pocket before your insurance coverage kicks in after an accident. A higher deductible generally leads to lower premiums, but it also means you will have to pay more in case of a claim so cheaper is not always better!

Premium

Healthinsurance.org

OCTOBER 16, 2024

State-funded health insurance subsidies change in several states In addition to the ACA’s federal premium subsidies and cost-sharing reductions, several states offer additional state-funded subsidies that further offset enrollees’ premiums, out-of-pocket costs, or both. 4 For 2025, the program is expanding.

Premium

Smart Insurance Agents

AUGUST 31, 2024

Both medical and dental insurance are often discussed in relation to coverage for wisdom teeth extraction, making it crucial to understand the specifics of your policy. To determine if your wisdom teeth removal is covered, you should review your insurance policy and consult with your insurance provider or dental professional.

Out-Of-Pocket

Freeway Insurance

DECEMBER 9, 2024

Figuring out independent contractor health insurance is one of the very first steps you should take when becoming an entrepreneur. Exploring Coverage Options Under the ACA If youre self-employed, you can search the state healthcare marketplace, Covered California , to browse all available options for standard policies.

Premium

Shield Insurance Agency

AUGUST 20, 2024

Many policyholders may be tempted to file a claim for every little incident in the belief that their insurance policy will cover all damages. Loss of Discounts: Deductibles Frequent claim filing can also lead to the loss of discounts you may have earned, such as claims-free discounts.

Insurance Claim

TGS

SEPTEMBER 6, 2023

When taking on new home renovations, your homeowners insurance policy might not be the first thing on your mind. Let’s take a look at some of the most common ways that home renovations will impact your insurance policy. What Will a Standard Home Insurance Policy Cover During Renovations?

Insurance Policy

TGS

OCTOBER 30, 2024

TGS Insurance » Blog 5 Must-Know Tips for Comparing Home Insurance Quotes Choosing the right home insurance policy can sometimes feel like trying to find the perfect coffee order—it’s a delicate balance between what you need and what works best for your wallet. Sure, the premium—the amount you pay for the policy—matters. That’s right.

Insurance Quotes

Smart Insurance Agents

AUGUST 19, 2024

Key Highlights Comparing Medicare Supplement Plans Insurance, or Medigap, helps cover costs that Original Medicare doesn’t, like copays and deductibles. It’s important to compare Medicare Supplement plans to understand coverage, out-of-pocket costs, and how individual plans vary by insurance company and state regulations.

Out-Of-Pocket

Smart Insurance Agents

DECEMBER 9, 2024

Ensure that your preferred healthcare providers are within the plan’s network to maximize convenience and minimize out-of-pocket costs. Cost: Evaluate the premiums, deductibles, copayments, and out-of-pocket maximums associated with each plan. Visit Get Covered Illinois for FAQs about the enrollment process.

Out-Of-Pocket

Healthinsurance.org

JANUARY 2, 2024

Each type of managed care limits, to varying degrees, the number of providers from which a patient can choose, whether the patient has to use a primary care physician, and whether out-of-network care is covered under the plan. And why do health plans have managed care designations? 5 (Medicare Advantage plans are managed care plans.

Out-Of-Pocket

Smart Insurance Agents

SEPTEMBER 3, 2024

This dual coverage can provide a broader range of medical services and reduce out-of-pocket costs. Coordination of benefits between Medicaid and private insurance maximizes healthcare coverage and minimizes out-of-pocket expenses, with Medicaid typically serving as a secondary payer.

Out-Of-Pocket Expense

TGS

OCTOBER 3, 2023

To feel confident in your policy before you sign, make sure you understand how to read a homeowners insurance quote. You only pay when purchasing the policy. Policy Number 3. Policy Period 5. Deductibles 8. Policy Number If you ever need to file a claim, this policy number is what you will use.

Insurance Quotes

TGS

OCTOBER 3, 2024

So, not only do these add-ons keep you safe, but they can also keep more money in your pocket. Deductible Amount Your deductible is the amount you pay out of pocket before your insurance kicks in. Opting for a higher deductible can lower your monthly premium. It makes sense, right?

Premium

Jackson & Jackson

APRIL 29, 2024

Increase Your Deductible Increasing your deductible is one of the simplest ways to lower your insurance premiums. This means you will pay more out of pocket in case of a claim, but your monthly or annual insurance costs will be lower. Evaluate the total costs and coverage benefits compared to separate policies.

Commercial Property

Shield Insurance Agency

APRIL 19, 2024

Among these requirements, collision coverage is a significant aspect that drivers should understand in order to make informed decisions about their insurance policies. The deductible is the amount you must pay out-of-pocket before your insurance coverage kicks in. Which Option Is Right for You?

Auto Insurance

Freeway Insurance

OCTOBER 8, 2023

Right off the bat, you might have to pay your deductible, which is the amount you agreed to when you got your insurance. There’s also the possibility of shelling out money for a rental car and any immediate medical or car repair costs from your own pocket. What Is A Car Insurance Claim? Think of it as a participation fee.

Auto Insurance

Word & Brown

SEPTEMBER 13, 2024

That includes understanding what plans offer the lowest and highest out-of-pocket costs, including deductible, copays, and coinsurance. Staying in network will be important to minimizing your clients’ out-of-pocket costs. Below are a few ideas. Claims processes vary by plan type and carrier or administrator.

Broker

Smart Insurance Agents

SEPTEMBER 17, 2024

Most insurance providers classify OB-GYNs as specialists, which can influence your coverage and out-of-pocket costs. Insurance companies categorize OB-GYN services differently from primary care, leading to higher reimbursement rates, co-pays, and potential out-of-pocket costs for patients visiting specialists.

Out-Of-Pocket

Redbird Agents

JULY 12, 2024

It’s a massive disservice to the customer and these plans need to be presented together so they know the path to reduce the financial burden of medical bills such as deductibles, coinsurance, emergency room expenses, and many other medical costs that come along with hospital admission. Do you have to sell it to everyone? It’s simple.

Insurer

Protect Commercial Insurance

NOVEMBER 8, 2024

By understanding your policy needs, shopping around, and exploring available discounts, you can effectively manage insurance premiums and keep your business financially secure. Having the right insurance policy is vital for the continuity and smooth operation of any business. The good news?

Commercial Insurance

Jackson & Jackson

APRIL 28, 2024

However, in the event of a claim, this can lead to substantial out-of-pocket expenses due to insufficient coverage limits. Ensure your policy covers replacement costs rather than actual cash value, as this accounts for the depreciation of your assets. How to Avoid It: Shop around and compare policies based on price and coverage.

Business Interruption

Protect Commercial Insurance

OCTOBER 4, 2024

They can be set by central banks and are influenced by several factors, including inflation, economic growth, and monetary policy decisions. They can be set by central banks and are influenced by several factors, including inflation, economic growth, and monetary policy decisions.

Property Insurance

Protect Commercial Insurance

JULY 26, 2024

In this article, we will provide you with four essential tips to help you understand your coverage needs, find the best rates, review and update your policy regularly, and work with an experienced insurance broker. Insurers often provide discounts for bundling multiple policies, which can help you save on premiums. Let’s dive in!

Commercial

Property Insurance Centre

SEPTEMBER 25, 2024

See what is not covered in terms of events/damage for your policy and think about getting flood insurance or accidental damage insurance if desired. Accidental damage is not usually covered by a normal building insurance policy. – Failure to read particular policy documents. – Not considering inflation.

Building

LexisNexis

AUGUST 13, 2024

According to the National Academy for State Health Policy, by late 2023, all 50 states had passed at least some legislation to regulate PBMs. According to the National Academy for State Health Policy, by late 2023, all 50 states had passed at least some legislation to regulate PBMs. But that seems to be just the beginning. As the U.S.

Out-Of-Pocket

Smart Insurance Agents

AUGUST 19, 2024

We will look at what you need to qualify for coverage, possible out-of-pocket costs, and tips for Medicare beneficiaries to keep their expenses in check. While Medicare generally doesn’t cover weight-loss drugs, potential changes are being discussed due to rising obesity rates. Ozempic is made by Novo Nordisk.

Out-Of-Pocket

Bankers Insurance

AUGUST 8, 2024

Specifically, they may lack sufficient coverage following property losses, forcing them to pay out-of-pocket expenses to fully rebuild. Depending on the severity of property losses and rebuilding operations, these out-of-pocket costs could lead to major financial setbacks or even bankruptcy. inflation).

Commercial Property

Smart Insurance Agents

AUGUST 28, 2024

These plans often feature extensive benefits and low out-of-pocket costs, making them a top choice for beneficiaries looking for the best possible coverage. This guide outlines the top-rated options, key benefits, and essential considerations to help you make an informed choice. This option is offered by private insurance companies.

Out-Of-Pocket