Why You Should Avoid Health Insurance Imitators

Why You Should Avoid Health Insurance Imitators

I get it. Money is important. Health insurance is important. Health insurance is expensive. Why Health Insurance is Expensive The biggest reason that health insurance is expensive is that healthcare is expensive. It’s not the cost of a few stitches or a flu shot that make the premiums so expensive. It’s the cancer treatments, the transplants, the dialysis. The reasons why healthcare is so expensive include administrative costs and defensive medicine (ordering lots of tests to avoid getting sued), among other factors. It is easy to look at…
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Insurance and the “Peace of Mind” Effect

Insurance and the “Peace of Mind” Effect

Insurance can be kind of a bore to talk about. However, it is a crucial part of our life. Not only is health insurance, for example, important in the event of unexpected health issues and preventative care, but simply having health insurance can give people “peace of mind.” Not just in a figurative sense, but literally. One study found that having health insurance may reduce stress and cortisol levels. Insurance is not just useful in the event of accident or injury, it can also reduce anxiety about these…
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Navigating the Frustrations of Medical Billing

Navigating the Frustrations of Medical Billing

Going to the doctor’s office to be treated for a certain physical pain shouldn’t also be a financial pain.  To ease the worry of getting doctor bills, below are a few steps that will help you to confidently open those dreaded bills. Know Your Benefits The most important part of the insurance puzzle is to know your benefits and what is covered by your insurance company. Prior to making an appointment, know if you need a referral to see that physician. Also find out whether the provider is in…
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What’s Driving Auto Insurance Rates Up?

What’s Driving Auto Insurance Rates Up?

Come July 1, 2018, the State of Nevada will raise the required basic minimum limits for auto insurance, resulting in premium hikes for roughly a third of Nevada drivers. If you are unsure of how this new law might affect you, reach out to your insurance agent or read the Nevada Division of Insurance FAQs here. Some industry professionals have opined that the Silver State’s 24-hour cities pose increased risk as a result of higher incidence of drunk driving and auto accidents, but the data does not support this.…
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