About InsuredAndMore.com
InsuredAndMore.com answers everyday questions about insurance and the money around it – short, clear and without making you read a long article first. Health plans, Medicare, life, car and home insurance, medical bills or taxes: you will find answers here to the questions people in the United States actually ask.
Who is behind InsuredAndMore.com
InsuredAndMore.com is the editorial team behind these answers: a small, independent team. We are not an insurance company, an insurance agency or a broker – we do not sell insurance and do not earn commissions on policies. When a page says "Editorial team InsuredAndMore.com", we are responsible for that page.
How our answers are made
- Real questions: We collect the questions people frequently ask search engines about insurance – in the words they use.
- Short answers from public sources: For each question we put together a short answer from freely available sources, such as government agencies, insurers, consumer organizations and trade publications. Where an answer relies on a specific source, it is linked in the text.
- Quality check: Every answer is checked before it is published; answers that are incomplete or garbled are not published.
- Topics: Each question is assigned to one or more topics, so you can quickly find related answers.
- Up to date: Each answer shows the date it was published. Insurance rules, premiums, limits and laws change – so always check the date, especially for figures.
Our topics
- Health Insurance – Questions about health plans, premiums, deductibles, copays, networks, the ACA marketplace, COBRA, and dental and vision insurance.
- Medicare & Medicaid – Answers about Medicare Parts A, B, C and D, Medicare Advantage, Medigap, Medicaid and CHIP.
- HSA, FSA & Health Savings – Everything about health savings accounts, flexible spending accounts, HRAs and what they can be used for.
- Life Insurance & Annuities – Questions about term and whole life insurance, beneficiaries, payouts, cash value and annuities.
- Car Insurance – Answers about auto insurance, coverage types, accidents, claims, drivers and premiums.
- Home & Property – Questions about homeowners, renters, flood and landlord insurance and property claims.
- Business Insurance – Everything about commercial insurance, liability, workers' compensation, D&O, bonds and business policies.
- Medical Billing & Costs – Answers about medical bills, what care costs, billing and coding, CPT codes and surprise billing.
- Insurance Careers & Companies – Questions about working in insurance as an agent, broker, underwriter or adjuster, and about insurance companies.
- Money, Taxes & Retirement – Answers about Social Security, taxes, retirement, pensions and personal finance.
What InsuredAndMore.com is not
Our answers are general information and not personal insurance, financial, tax, medical or legal advice. Every situation is different. For decisions with real consequences – choosing a health plan, filing or disputing a claim, buying life insurance or planning for retirement – please talk to a licensed insurance agent or broker, your insurer, your state's department of insurance, a tax professional or another qualified advisor.
How we are funded
InsuredAndMore.com is free to use and is funded by advertising. Advertisers have no influence on which questions we answer or what the answers say. Advertising on our pages is recognizable as such.
Found a mistake?
Despite our care, an answer can be incomplete or out of date. If you notice something, write to us via our contact page and mention the question concerned. We review every report and correct the answer or take it offline.