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Health Insurance
Questions about health plans, premiums, deductibles, copays, networks, the ACA marketplace, COBRA, and dental and vision insurance.
- What happens if you don't meet your medical deductible?
- How do you calculate out-of-pocket?
- How does an insurance claim deductible work?
- Is higher or lower copay better?
- What age can you get a colonoscopy with Aetna?
Medicare & Medicaid
Answers about Medicare Parts A, B, C and D, Medicare Advantage, Medigap, Medicaid and CHIP.
- What is the Medicare deductible for 2021?
- How much does UnitedHealthcare cost per month for Medicare?
- Is it okay to laminate your new Medicare card?
- What to expect when you turn 65?
- What is the Medicaid limit for 2024 in Illinois?
HSA, FSA & Health Savings
Everything about health savings accounts, flexible spending accounts, HRAs and what they can be used for.
- Does HSA avoid Social Security tax?
- Does HSA cover Lasik?
- When can HSA funds be withdrawn?
- Does HSA verify?
- What is the difference between HSA and non HSA?
Life Insurance & Annuities
Questions about term and whole life insurance, beneficiaries, payouts, cash value and annuities.
- How do I know the cash value of my life insurance?
- Can you cancel term life insurance at any time?
- Can I put life insurance on my dad?
- Is dying during surgery considered accidental death?
- Who pays more by age male or female for life insurance?
Car Insurance
Answers about auto insurance, coverage types, accidents, claims, drivers and premiums.
- Why is car insurance cheaper for married couples?
- Where would you carry your insurance card for your vehicle?
- Why do I have to pay deductible when it's not my fault?
- Does Geico ask for pictures of cars?
- Can I show my car insurance card on my phone?
Home & Property
Questions about homeowners, renters, flood and landlord insurance and property claims.
- Is homeowners insurance required in Illinois?
- Is hazard insurance a tax deduction?
- Is homeowners insurance tax deductible?
- What happens to your homeowners insurance when you pay off your mortgage?
- What is usually not covered by homeowners insurance?
Business Insurance
Everything about commercial insurance, liability, workers' compensation, D&O, bonds and business policies.
- What do you mean by cattle insurance?
- What is covered under the farm liability coverage form?
- Is business insurance and commercial insurance the same?
- What is public liability insurance UK?
- Does umbrella sit over professional liability?
Medical Billing & Costs
Answers about medical bills, what care costs, billing and coding, CPT codes and surprise billing.
- When should modifier GT be used?
- What is the best medical bill negotiation service?
- What is the ICD-10 for pain assessment?
- Can a hospital turn you into collections if you are making payments?
- Can you negotiate a medical bill?
Insurance Careers & Companies
Questions about working in insurance as an agent, broker, underwriter or adjuster, and about insurance companies.
- Is being a life insurance agent worth it?
- Does Zurich own Kemper?
- Who owns Hastings essential?
- Does UnitedHealthcare own USHEALTH Group?
- Is Allstate closing Esurance?
Money, Taxes & Retirement
Answers about Social Security, taxes, retirement, pensions and personal finance.
- Does HSA avoid Social Security tax?
- Is there any news on the COLA increase for 2023?
- What disability is hard to prove?
- What to expect when you turn 65?
- Is annuity better than 401k?