Author: James Berkeley

  • How can I purchase glasses using insurance?

    To purchase glasses using insurance, you need to visit an optometrist who is in-network with your provider. Depending on your plan, you may be covered for the cost of frames or lenses, or both. The optometrist will check your eyes and help you choose frames that fit your vision needs. You can then use your…

  • Is Root car insurance good?

    Root Car Insurance offers an innovative approach to car insurance that is designed to save customers money. The app-based platform uses advanced analytics and driving data to determine insurance rates, meaning drivers can customize their coverage based on how they drive. This allows for more accurate pricing than traditional insurers, making Root a great option…

  • How do I apply for Social Security Disability Insurance in Ohio?

    To apply for Social Security Disability Insurance (SSDI) in Ohio, individuals can start by visiting the local office of the Social Security Administration or filing an application online. Individuals should be prepared to provide detailed information about their disability and medical history, such as doctors’ reports and test results, to support their claim. It is…

  • What is the deductible for dental insurance?

    The deductible for dental insurance is typically an annual cost that must be paid before your insurance policy will cover any of the costs associated with your dental care. The amount of the deductible varies by plan and can range from $50 to several hundred dollars. Some plans may require you to meet a separate…

  • How much does genetic testing cost without insurance?

    Genetic testing cost can vary significantly depending on the type of test and other factors. Generally, prices range from $100 to more than $2,000 without insurance coverage. The cost for genetic testing is typically higher if it is for something rare or complex. Tests that involve a panel of genes may be more expensive since…

  • How can I obtain product liability insurance?

    Product liability insurance can be obtained from insurance brokers and providers. Insurance brokers will be able to assess your needs and provide you with quotes from a variety of providers, while individual providers may offer tailored policies designed for specific types of businesses. It is important to make sure that the policy covers all risks…

  • How much is mortgage insurance in California?

    Mortgage insurance in California varies depending on the loan amount, the type of mortgage loan (conventional or government-backed) and other factors. For conventional loans with less than 80% Loan to Value ratio, borrowers can expect to pay up to 1.50% – 1.75% of the total loan amount as mortgage insurance premium. For Government-backed loans such…

  • How much should homeowners’ insurance increase each year?

    The amount of homeowners’ insurance that should increase each year depends on a variety of factors such as the location of the property, the age and condition of the home, and whether or not any claims have been made in prior years. For example, an older home located in a high-risk area is likely to…

  • How can I see a therapist without insurance?

    There are a number of resources available to people who do not have insurance that can help them access mental health services. For example, many state and local government agencies provide free or low-cost therapy services to those without insurance. Some community organizations and religious institutions may offer counseling programs at no cost. Online therapy…

  • How much does Nexplanon cost with insurance?

    The cost of Nexplanon with insurance coverage varies depending on the type of health plan and insurance provider. Generally, most insurance plans cover at least a portion of the cost. The exact amount an individual will pay for Nexplanon with insurance can range from $0 to as much as several hundred dollars, depending on their…

  • How do I get proof of insurance from Kaiser?

    To obtain proof of insurance from Kaiser, you will need to contact their Member Services department. You can do this by calling the toll-free number listed on your Kaiser ID card or online at kp.Org/members. Once connected, a customer service representative will verify your identity and assist you in obtaining proof of your coverage information.…

  • When can mortgage insurance be removed?

    Mortgage insurance can typically be removed when the borrower reaches 80% loan to value (LTV) of the mortgage. This is generally achieved by paying down principal on the loan, or by property appreciation. In some cases, if a borrower has made consistent payments for at least two years, they may be able to qualify for…

  • How can I pay for therapy if I don’t have insurance?

    Depending on individual circumstances, there are a few options available to those looking to receive therapy but do not have insurance. One option is sliding-scale fees, which involves reduced rates for services based on an individual’s income and financial situation. The client will typically provide proof of their income in order to qualify for the…

  • Is insurance cheaper after 25?

    Yes, insurance is typically cheaper after 25. Insurance companies base their rates on risk factors such as age, driving record, and credit score; individuals under the age of 25 are seen as being a higher risk due to inexperience behind the wheel and other factors. Once an individual reaches the age of 25, insurers view…

  • Can an undocumented immigrant get health insurance?

    Yes, undocumented immigrants may be eligible for health insurance through certain programs and healthcare providers. For example, some states offer state-funded health care coverage to undocumented individuals on a limited basis. Some nonprofit organizations provide health insurance coverage options to those who are not authorized to work in the United States or do not have…

  • What is supplemental life and AD&D insurance?

    Supplemental life and AD&D insurance are additional policies purchased by individuals or employers to provide coverage beyond a basic term life insurance policy. Supplemental life and AD&D insurance usually offer more coverage than a standard term life policy, including specific benefits such as accidental death and disability (AD&D) coverage. This type of supplemental policy will…

  • Is Globe Life and Accident Insurance Company legitimate?

    Globe Life and Accident Insurance Company is an established, legitimate company. It has been in business for over 75 years providing life, health, accident, and supplemental insurance products to millions of satisfied customers. The company holds an “A+” rating with the Better Business Bureau and maintains numerous licenses from state insurance departments across the country.…

  • How do you put your money into life insurance?

    1. Life insurance can be purchased directly from an insurance company, broker or financial advisor. You will need to fill out an application and provide some personal information such as your age, occupation, health history and lifestyle habits. You may need to provide proof of identity and income to determine eligibility for certain products. Premium…

  • What are braces considered under insurance?

    Braces are considered medical devices under insurance coverage. They are typically classified as Durable Medical Equipment, and can be covered by private insurance or government-funded Medicaid plans depending on eligibility requirements. Coverage may include copayments, coinsurance costs, and deductibles which must be met before the insurance provider pays for a portion of the cost. Contents:…

  • What is group medical insurance?

    Group medical insurance is an insurance plan for a group of people, typically employees of an organization or members of an association. It is offered to large groups such as businesses, unions, associations, or clubs and can cover a variety of healthcare services including preventative care, emergency visits, hospitalization, and more. Group medical plans may…

  • Does American Express offer car rental insurance?

    Yes, American Express offers car rental insurance. Cardholders are offered coverage that includes liability protection, collision damage waiver and more for rental vehicles worldwide. Depending on the cardholder’s eligibility, they may be able to take advantage of primary coverage as well as additional benefits such as emergency medical and evacuation services. Coverage is limited up…

  • Does insurance cover mold in the attic?

    Yes, insurance typically covers mold in the attic. Generally, homeowners insurance will cover the cost of remediating any mold found in an attic as long as it is caused by a covered peril such as a broken water pipe or severe storm damage. Depending on the type and amount of coverage you have, this could…

  • How can I check if my car is insured?

    1. The first step to checking if your car is insured is to contact your insurance provider and ask them for confirmation of coverage. They should be able to provide you with a proof of insurance document, which will include all the details necessary to verify that you are indeed covered. 2. You can also…

  • What life insurance company does Dave Ramsey recommend?

    Dave Ramsey recommends the insurance company Zander Insurance Group. Founded in 1925, they are one of the largest independent life insurance agencies in the United States, offering their clients a range of term and permanent policies as well as various annuity options. They also specialize in helping people purchase disability income protection and long-term care…

  • Do all jobs offer health insurance?

    No, not all jobs offer health insurance. Benefits and offerings can vary greatly from job to job, depending on the company size and type of organization. Some jobs may require that employers provide health insurance while other employers may only offer it as an optional benefit for employees to purchase. Contents: Benefits of Health Insurance…

  • How much is insurance for teenage drivers?

    The cost of car insurance for teenage drivers can vary greatly based on several factors, such as the teen’s age and driving history. Generally, young drivers can expect their premiums to be higher than an older driver due to the increased risk associated with inexperienced drivers. Specific types of coverage (e.g. full coverage versus liability)…

  • How is the tax credit calculated for health insurance?

    The tax credit for health insurance is calculated based on household size and income. The amount of the credit is determined by a sliding scale, in which households with lower incomes qualify for larger credits. In addition to considering income, the calculations also factor in the cost of premiums in different areas and other factors…

  • Do you have cancer but no insurance?

    No, I do not have cancer and I do have health insurance. Having health insurance allows me to access appropriate medical care if needed in the future. My insurance helps provide coverage for any potential treatments that could be necessary should I ever develop cancer or another serious illness. Contents: Overview of the Situation Financial…

  • Does homeowners insurance increase every year?

    Yes, homeowners insurance increases every year. Premiums are based on a number of factors including current inflation rates, local building costs, the age and condition of your home, and other risk factors like crime rate in your area. These elements can change annually so it is important to stay informed about them to make sure…

  • What eye places accept EyeMed insurance?

    Eyemed insurance can be used at many eye care providers, including optometrists, ophthalmologists, and specialty retailers. EyeMed has a network of over 65,000 providers in the United States that accept Eyemed insurance. These include national chains such as LensCrafters and Pearle Vision, as well as regional chains like Stanton Optical and National Vision Inc. Local…