Having a baby is expensive. You can look no further than the back page of the summary of benefits of your major medical policy. There, you’ll see an estimated cost of your pregnancy. Most pregnancies command out-of-pocket expenses into the thousands – after your major medical insurance paid its share. This excludes any high-risk testing, a cesarean birth, or a high-risk pregnancy. While the potential costs seem overwhelming, supplemental pregnancy insurance helps pay for these out-of-pocket expenses. A supplemental health insurance policy (like supplemental pregnancy insurance) pays for these costs “gaps” that your underlying health insurance doesn’t pay.
In recent years, hospital indemnity insurance has made strides. This type of insurance has been around for awhile. However, not until the rapidly increasing deductibles, coinsurance, and copays with health insurance plans under the Affordable Care Act, has hospital indemnity insurance been in the spotlight. In light of increasingly higher out of pocket expenses, people are turning to hospital indemnity insurance for cost assistance and peace of mind. Is hospital indemnity insurance worth the money? In this article, we describe hospital indemnity insurance and if it is worth the money or not.
One can’t underestimate the importance of health insurance here in the United States. If you and your family have a social security number, you can usually obtain a policy that complies with the Affordable Care Act. Some people here in the United States, including children, don’t have a social security number. We know your children are very important. You want the best for them. You can still purchase health insurance for them, even if they do not have a social security number. In this article, we discuss health insurance for children without a social security number.
Your birth country does not define love. Nowadays, many US citizens are marrying foreign immigrants. While your love is strong, the process of your new spouse becoming a US citizen is long. (We are not lawyers, and do not pretend to be. If you need legal assistance, consult an immigration attorney.) There are many things you need to do. For example, two important steps include marriage timing and green card application. There are a lot of rules and regulations. It’s easy to overlook all of the aspects. There is one aspect that usually on the backburner. That is health insurance. Yes, health insurance. In this article, we discuss planning for health insurance before marrying a non-US citizen.
You’d have to be living under a rock if you didn’t know that healthcare costs are rising fast. Many families are facing year-over-year premium rate hikes or increased cost-sharing. Does the rising healthcare costs make you worried? There are ways to mitigate the impact. One of the ways is using a healthcare discount card. A healthcare discount card could help with paying medical bills in various ways. In this article, we discuss how to save money on medical bills using a healthcare discount card.