Entries by songer1990

Original Medicare vs. Medicare Advantage

While most Americans have heard of Medicare as one of many healthcare coverage options, they may not know how it differs from other privately offered options, such as Medicare Advantage. This article explains the differences between Original Medicare and Medicare Advantage, including the various doctors one can seek care from, the differences in cost, and […]

Universal Life Insurance

Universal Life Insurance is a type of permanent life insurance that offers flexibility regarding coverage and premium payments. It is similar to whole life insurance because it provides coverage for the policyholder’s entire lifetime. Still, it also includes a savings component that can accumulate cash value over time. One of the main benefits of universal […]

Medicare Advantage (MA) Plans

Medicare Advantage (MA) Plans, also known as Medicare Part C, are an alternative to Original Medicare (Part A and Part B) that private insurance companies offer. These plans are required to provide at least the same coverage as Original Medicare, but they also come with some disadvantages that are important to consider. One of the […]

Short-Term Health Insurance

Short-term health insurance, also known as short-term medical insurance or STM insurance, provides temporary health coverage for a specified period, typically ranging from 30 days to 12 months. It is designed to fill the gap for individuals between jobs, waiting for employer-sponsored health insurance to begin, or needing coverage for a specific period for other […]

Do You Need Dental and Vision Insurance

Dental and vision insurance are two types designed to provide coverage for specific healthcare needs. While dental insurance typically covers the cost of routine dental care, such as cleanings, exams, and fillings, vision insurance covers the cost of eye exams, glasses or contact lenses, and other vision-related expenses. Understanding the differences between dental and vision […]

What’s included in my health insurance?

What’s included in my health insurance? Health insurance typically covers the following services: Outpatient and inpatient medical care Prescription drugs Preventive care Diagnostic tests Mental health services Rehabilitation services Laboratory services Maternity and newborn care Medical equipment and supplies Emergency room services The specific services covered by an insurance plan vary based on the type […]

Medicare Advantage Vs. Medicare Supplement

Medicare Advantage Vs. Medicare Supplement plans are both alternatives to Original Medicare (Part A and Part B). Still, they differ in how they provide coverage and the benefits they offer. Medicare Advantage plans, also known as Medicare Part C, are offered by private insurance companies and must provide at least the same coverage as Original […]

Life Insurance In West Virginia

Life insurance in West Virginia is a financial product that provides financial protection to an individual’s loved ones in the event of their death. The benefits of life insurance are many and can provide peace of mind for the policyholder and their loved ones. One of the primary benefits of life insurance is that it […]

Benefits of Health Insurance for Employees

Benefits of Health Insurance for Employees are perks or incentives offered by an employer to their employees in addition to their regular wages or salaries. These benefits can take many forms and can be essential in attracting and retaining top talent, improving morale and job satisfaction, and maintaining a productive and positive work environment. One […]

Benefits of a Medicare Supplement

Benefits of a Medicare Supplement, also known as a Medigap policy, is a type of insurance that helps fill the gaps in coverage left by Original Medicare (Medicare Part A and Part B). These gaps include things like copayments, deductibles, and coinsurance. By purchasing a Medicare supplement, individuals can have more comprehensive coverage and potentially […]