Author: James Berkeley

  • Who owns State Farm Insurance?

    State Farm Insurance is a group of insurance companies that together make up the largest personal property and casualty insurer in the United States. State Farm Group is headquartered in Bloomington, Illinois and provides its services across all 50 states as well as other countries including Canada, Germany, and Spain. State Farm Group owns several…

  • When you total your car, how much does insurance pay?

    The amount of money that insurance will pay in the event of a totaled car depends on several factors, including the make and model of the car, its age, condition prior to the accident, and other variables. The insurer’s policy details will specify how much coverage is provided for each specific scenario. If full coverage…

  • What insurance will cover dental implants?

    The coverage of dental implants depends on the individual insurance plan. Generally, most health insurance plans do not cover dental implants as they are considered an elective or cosmetic treatment. However, some Medicare Advantage plans may offer partial or full coverage for certain cases where the implant is deemed medically necessary. Supplemental and stand-alone insurance…

  • How do I renew my insurance online?

    The first step to renewing your insurance online is to log into your account. You will need the username and password that was assigned to you when you first opened the policy. Once logged in, locate the “Renewal” tab and select it. From there, review the available policies and decide on one that best suits…

  • Do rental cars require insurance?

    Yes, rental cars require insurance. All rental car companies will require proof of insurance prior to renting the vehicle. Generally, this includes liability insurance to cover any damage caused by the rental car in an accident and personal injury protection for passengers inside the rental car. Many rental companies may offer optional collision coverage for…

  • How much is car insurance for young female drivers?

    Car insurance for young female drivers can vary significantly depending on the individual and their specific circumstances. Generally, younger drivers tend to pay higher premiums due to inexperience behind the wheel. Insurance providers take into account a variety of factors when determining rates such as age, driving record, location, vehicle type, and more. Depending on…

  • How much does jewelry insurance cost?

    Jewelry insurance can vary in cost depending on the type and value of jewelry being insured. Generally, jewelry insurance policies are priced based on a percentage of the item’s appraised value. The average cost for a jewelry policy ranges from 0.2% to 1.5% of the total appraised value per year, with most policies falling around…

  • Does my insurance cover a therapist?

    It depends on your insurance policy. Most health insurance plans cover mental health services, including therapy sessions with a licensed therapist. It is important to check the details of your specific plan and speak with an insurance representative to determine the exact level of coverage for mental health treatment. Contents: Comparing Insurance Coverage Understanding Your…

  • How can I obtain insurance after a DUI conviction?

    In order to obtain insurance after a DUI conviction, it is important to research the various options available. Depending on the state in which you live, some insurance providers may be able to offer reduced rates or coverage for people who have been convicted of a DUI. It is also possible to find non-standard insurers…

  • Should you purchase flight insurance?

    Purchasing flight insurance can be beneficial in certain situations. It provides coverage for medical emergencies, baggage loss and delays as well as trip cancellations. This coverage can help protect travelers from potential losses in the event of an unforeseen emergency or incident while travelling. Flight insurance may also provide benefits such as coverage for car…

  • Does health insurance cover the cost of ambulance?

    Yes, health insurance typically covers ambulance services. However, the extent of coverage can vary depending on policy details and the particular service provider. For example, some policies may pay the full cost while others may require a copay or coinsurance amount. Coverage for out-of-network ambulances may be limited or not covered at all. It is…

  • How much does full coverage insurance cost for a used car?

    The cost of full coverage insurance for a used car depends on several factors. Some of these include the age and condition of the car, the size of its engine, its make and model, where it is being driven, and who will be driving it. Generally speaking, older cars with higher mileage require more coverage…

  • How do I apply for health insurance when I am unemployed?

    1. You can apply for health insurance through the Health Insurance Marketplace when you are unemployed. The Marketplace is where individuals and families can find subsidized health insurance plans that may be right for them. To get started, you’ll need to create an account online at Healthcare.Gov or with a state-based exchange website if your…

  • Is my insurance valid?

    Yes, your insurance is valid. It has been verified and confirmed by the appropriate authorities. Your policy provides coverage for the period specified in your documents, ensuring you have protection when necessary. Contents: Overview Eligibility Policy Conditions Renewal Process Insurance Claims Frequently Asked Questions Overview Whether you are a business owner or an individual, having…

  • What age can I get life insurance?

    The legal minimum age for life insurance is 18. You can usually start buying life insurance at any age, but it may be more expensive if you buy when you are younger. Some companies have policies that allow coverage as early as age 0, although most require a minimum of at least 15 years old.…

  • Can a life insurance policy be sold?

    Yes, a life insurance policy can be sold. When an individual decides to sell their life insurance policy, they enter into a legal agreement with an investor who purchases the policy at a discounted price from its face value. This process is known as a life settlement and allows individuals to receive cash in exchange…

  • What is mortgage insurance, and do I need it?

    Mortgage insurance is a type of insurance that pays the lender back if the borrower defaults on their mortgage loan. Mortgage insurance can either be private or government-sponsored, and it typically requires an upfront payment from the borrower at the time of closing on the loan. Borrowers may need to purchase mortgage insurance if they…

  • Who accepts Aetna dental insurance?

    Aetna is a major provider of dental insurance and accepts plans from a wide variety of dentists. These include general dentists, orthodontists, oral surgeons, periodontists, endodontists and prosthodontists. Patients can use their Aetna plan to access preventive care such as cleanings, x-rays and exams as well as restorative care such as fillings or root canals.…

  • What does PPO insurance cover?

    PPO insurance covers a wide range of medical expenses, including doctor and hospital visits, prescription drugs, preventative care such as immunizations and screenings. PPO plans typically provide coverage for in-network providers at lower rates than out-of-network doctors or hospitals. They often also include access to specialty care services such as mental health counseling, physical therapy,…

  • Does my car insurance cover rental car insurance?

    No, your car insurance does not typically cover rental car insurance. Rental car insurance is an additional form of coverage that is separate from regular car insurance. It provides financial protection for damage and losses sustained while you are renting a vehicle. In some cases, your credit card may provide limited rental car coverage but…

  • Does Progressive offer flood insurance?

    Yes, Progressive offers flood insurance. The company offers FloodSmart, which is the National Flood Insurance Program’s (NFIP) exclusive private-sector partner in providing coverage to help homeowners and business owners in high-risk areas protect themselves from flooding. Through their comprehensive offering of home and business coverage, progressive allows customers to customize their policies for both covered…

  • Does my insurance cover the cost of therapy?

    No, insurance policies vary and coverage is specific to the plan you have purchased. You may need to contact your insurance provider directly to inquire about whether therapy services are covered under your policy. Some mental health professionals offer sliding scale or discounted rates that might be more affordable for you. Contents: Overview of Insurance…

  • What is Employment Practices Insurance?

    Employment practices insurance is a type of coverage that provides financial protection to employers in the event they are sued for wrongful termination, discrimination or other employment-related claims. It is designed to protect employers from the cost of defending against such claims and paying any damages that may result. Employment practices insurance can also cover…

  • What does HMO health insurance mean?

    HMO health insurance, or Health Maintenance Organization health insurance, is a type of medical coverage plan. It provides comprehensive and coordinated care for its members at a lower cost than other types of health plans by limiting choice of healthcare providers to those within the HMO network. Members must choose their primary care physician from…

  • Does insurance cover the cost of LASIK eye surgery?

    Lasik eye surgery is often covered by insurance, although coverage levels and restrictions vary depending on the specific policy. Some insurers may provide complete or partial coverage of Lasik eye surgery while others may not cover it at all. It’s best to check with your insurance provider to find out their exact terms and conditions…

  • Is Bright Health Insurance considered Obamacare?

    Bright Health Insurance is a health insurance provider and offers plans within the Affordable Care Act (ACA) marketplaces, also known as Obamacare. Bright Health’s plans are compliant with the ACA and its accompanying regulations, meaning it must include coverage for 10 essential health benefits such as hospitalization and mental health services. Therefore, Bright Health Insurance…

  • What do you need to know about life insurance?

    1. Life insurance is a contract between an insured individual and an insurer, where the insurer promises to pay a sum of money upon the death of the insured individual in exchange for a premium paid by the insured individual over time. 2. The amount that is payable when the policyholder passes away depends on…

  • Does insurance cover IUI procedures?

    Yes, some insurance companies may cover IUI procedures. Coverage is determined by your individual plan and might vary based on where you live. It is important to consult with your health care provider or insurance company to discuss coverage details for IUI procedures. Contents: Definition of Insurance and IUI Procedure Availability of Insurance Coverage Cost…

  • How much does CVS Minute Clinic cost without insurance?

    CVS Minute Clinic charges a $59 – $89 fee for most services regardless of insurance coverage. The exact cost depends on the type of service required and may vary slightly by location. Most common services such as physicals, screenings, vaccinations, health tests and various other medical treatments are covered under this fee. For more complex…

  • What is cost-sharing health insurance?

    Cost-sharing health insurance is a type of health insurance plan that requires the insured to pay a portion of their medical costs out-of-pocket, such as through deductibles, copays and coinsurance. The insurer typically covers the remaining balance up to an annual limit, known as an out-of-pocket maximum. Cost sharing helps keep monthly premiums lower by…