Prescription Drug Coverage (Tiers, Formularies, & Demons)
Prescription Drug Coverage (Tiers, Formularies, & Demons) Understanding Prescription Drug Tiers Health insurance plans group prescription drugs into “tiers” to […]
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What Counts Towards Your Out-of-Pocket Max? (Deductible, Copays, Coinsurance – Usually In-Network)
Out-of-Pocket Maximums (The Supposed Safety Net) What is an Out-of-Pocket Maximum (OOPM)? This is the absolute most money you will
Copays & Coinsurance Explained (The Never-Ending Payments?)
Copays & Coinsurance Explained (The Never-Ending Payments?) What is a Copay? (The Fixed Fee You Still Owe) A copay (or
“You Have to Pay All of It Until…” – Understanding the Deductible Threshold
Decoding Deductibles (The First Hurdle) What is a Health Insurance Deductible? (The Real-World Version) The deductible is the amount of
Understanding Premiums (The Monthly “Subscription”)
Understanding Premiums (The Monthly “Subscription”) What is a Health Insurance Premium? (Beyond the Definition) Think of the premium as your
Dental & Vision Insurance (The “Not Part of Your Body” Problem
Dental & Vision Insurance (The “Not Part of Your Body” Problem) Why Are Teeth and Eyes Separate from Health Insurance?
Health Insurance Basics Why Does Health Insurance Exist?
Health Insurance Basics (The “What Even Is This?” Stage) Health Insurance Explained Like I’m 5 (and slightly cynical) Imagine you
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How Life Insurance Can Provide Tax-Free Income in Retirement (Whole Life Loans/Withdrawals)
Retirement Planning & Insurance: Securing Your Future Building Financial Confidence for Later Life Meet Sarah and Tom. As they approached
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My Heart Attack Wasn’t Covered By Health Insurance Alone: How Critical Illness Insurance Paid Me $50k Cash
Critical Illness Insurance Deep Dive Financial Support for Major Health Crises Imagine Sarah facing a sudden cancer diagnosis. While health
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Our Venue Went Bankrupt Weeks Before the Wedding: How Insurance Saved Us
Wedding Insurance: Protecting Your Big Day (and Budget) Our Venue Went Bankrupt Weeks Before the Wedding: How Insurance Saved Us