Personal Insurance

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Health Savings Account Vs. PPO

health savings account, or HSA, is very different from a personal provider organization, or PPO. Both types of medical benefit products are common parts of benefit packages. PPO is a common type of employer health plan, whereas an HSA is money you set aside for personal health ...

How Long Does an Accident Stay on Your Insurance?

en an accident that doesn't leave you or your car seriously damaged can lead to your insurer upping your rates. It's not inevitable: Your insurer may overlook a minor accident if you have a history of safe driving. In many cases, though, your rates will go up, and they'll stay ...

Differences Between Insurance & Re-Insurance

surance and reinsurance are both financial protection against the possibility of losses. While they are similar in concept, they are quite different in terms of how they are used and who uses them. You purchase insurance to protect against possible property losses. Who protects ...

How do I Find the Expiration Date for a BCBS PPO Health Insurance Policy?

BS, or Blue Cross Blue Shield, licenses independent health insurers to operate under its brand selling individual and group policies. When offered by your employer as a group policy, the benefit automatically renews unless you decline it during the annual enrollment period. If ...

How Do I Drive a New Car Home From the Dealership With No Insurance?

u can see a real-time update of the number of vehicles rolling off assembly lines at the Worldometers website. The numbers tick by in rapid succession, but if you were to try to drive any of these off U.S. lots without insurance coverage, you would be looking for trouble. In ...

If I'm Covered by Medicare Should I Have Additional Health Insurance?

en you are covered by Medicare, you have widely accepted healthcare insurance. However, Medicare seldom covers all of your medical expenses. Therefore, it makes perfect sense to purchase health insurance to reinforce your Medicare coverage. Multiple private insurance companies ...

What Is a Reciprocal Insurance Company?

naging risk is an important component of life, and insurance is a common way to mitigate many types of risk and loss. Traditional insurance companies are typically organized around two common profit-based business structures. However, there is a third type, called a reciprocal ...

Do You Have to Be Married to Share Health Insurance?

ile health insurance can be expensive, the cost of being uninsured is often much higher. The American College of Physicians estimates that the uninsured pay an extra $1,600 to $3,300 every year. Most employer health plans offer family plans that cover spouses and children, but ...

Are Health Insurance Benefits Considered Income by the IRS?

alth insurance is not taxable income, even if your employer pays for it. Under the Affordable Care Act, the amount your employer spends on your premiums appears on your W-2s, but it still isn't income. When you receive benefits from your insurance policy, however, they may be ...

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