• Home Insurance

    2021 Best Cheap Homeowners Insurance in California

    California homeowners insurance overview Finding the best homeowners insurance in California can be tricky, primarily because there are so many options. In addition to a low rate, here are some of the other factors homeowners need to consider as they shop for coverage: Different types of homeowners coverage There are six different types of policies specifically designed to cover traditional brick-and-mortar homes, from basic policies to policies with all the bells and whistles. The best home insurance companies offer them all. Before shopping, it benefits a homeowner to list all the things about their home they’re looking to protect. For  

    Comments Off on 2021 Best Cheap Homeowners Insurance in California
  • Health Insurance

    Affordable Care Act 2022: What do you need to know before buying health insurance?

    Consumers shopping for health insurance plans under the Affordable Care Act could find cheaper premiums for next year, thanks to pandemic relief efforts. The open enrollment period for consumers shopping for health insurance plans under the Affordable Care Act continues through January 15, two weeks longer than previous years. Enroll before December 15 for coverage in January However, if you want coverage to begin on January 1, you must enroll by December 15, according to Steph Pugh, a certified application counselor with Lifecare in Canton, a federally qualified health center. Enrollments between December 15 and January 15  

    Comments Off on Affordable Care Act 2022: What do you need to know before buying health insurance?
  • Insurance

    De Blasio admin’s $34B health insurance contract doesn’t add up

    The de Blasio administration missed a glaring math error when choosing a new health care insurance provider for 275,000 retired city workers that could cost taxpayers “tens or even hundreds of millions of dollars” in lost revenue, according to a bombshell claim filed by rival bidder Aetna, the state’s largest Medicare provider. Aetna has sued the city alleging the selection process was fixed to favor Alliance, a consortium that includes Emblem Health and Anthem/Blue Cross Blue Shield and has strong ties to union leaders, to operate the new Medicare Advantage Plus program. A group of retirees has filed a separate  

    Comments Off on De Blasio admin’s $34B health insurance contract doesn’t add up
  • Home Insurance

    What Is a Homeowners Insurance Deductible?

    A homeowners insurance deductible is the portion you pay on a claim. It’s deducted from your payout. The standard homeowners insurance deductible is $500 to $1,000, or it can be based on a percentage. Your deductible may vary for standard homeowners versus flood and earthquake insurance. See Insider’s guide to the best homeowners insurance companies. Homeowners insurance protects your dwelling and your personal belongings, and offers personal liability coverage for injuries that happen on your property. Damage must be caused by an insurance peril, an event that may damage your home or belongings, like theft, fire, or a storm.  If  

    Comments Off on What Is a Homeowners Insurance Deductible?
  • Insurance

    Health Insurance Deductibles Give Black Friday a Whole New Meaning

    And those deductibles renew every year. So for millions of families, time is running out to fit in those last-minute healthcare needs. When the clock strikes 12 in just 35 days on January 1, 2022, they’ll find their healthcare back behind the deductible paywall. It gives Black Friday a whole new meaning.  Health insurers argue that deductibles are a simple “cost-sharing” strategy—forcing patients to have “skin in the game” when it comes to using healthcare (beyond their actual skin, I guess?). Cost-sharing, they argue, prevents beneficiaries from using unnecessary, “low-value” healthcare. They point to an out-dated 1970s-era experiment run by  

    Comments Off on Health Insurance Deductibles Give Black Friday a Whole New Meaning