FAQ

Common types include HMOs, PPOs, EPOs, and high deductible plans, each varying in network size, cost, and coverage options.

Consider factors such as your health needs, budget, provider network, and whether you prefer lower premiums or lower out of pocket costs.

A deductible is the amount you pay out of pocket for healthcare services before your insurance coverage begins.

Life insurance provides financial protection to beneficiaries in the event of the policyholder's death.

Coverage needs depend on various factors, including financial obligations, dependents, and future goals. A common guideline is 10-15 times your annual income.

Yes, most policies allow for changes such as increasing coverage or converting term policies to whole life.

Consider increasing your deductible, bundling policies, improving home security, and maintaining a good credit score.

Common coverages include trip cancellation, emergency medical coverage, trip interruption, and baggage loss.

Assess your travel plans, destination, and any specific needs, and compare policies to find the best coverage for your situation.

Common types include liability, collision, comprehensive, and uninsured/underinsured motorist coverage.

Ensure safety, document the scene, exchange information with other parties, notify your insurance provider, and file a claim if necessary.

Many plans cover pre existing conditions, but there may be waiting periods or additional costs associated with coverage.

The out of pocket maximum is the maximum amount you’ll have to pay for covered healthcare services in a plan year, after which the insurer pays 100% of covered expenses.

If premiums are not paid, the policy may lapse, meaning coverage will end. Some policies may offer a grace period or convert to reduced coverage.