There's no shortage of options when it comes to insurance providers. And the big players, like Blue Cross and Kaiser, are flooding your inbox in an attempt to get your business. But how do you know which provider is right for you?
It's tricky enough to figure out what you'll pay per month an...Read More
In 2014, Americans spent an estimated $3.1 trillion on healthcare services. That's more than any other developed nation in the world. Our exces...Read More
America's love affair with smoking has been dwindling for decades. According to a 2015 Gallup poll, 19% of Americans smoked one or more cigarettes ...Read More
Last summer, I got stung by a stingray. It hurt like hell. But you know what stung even more? My $1,800 hospital bill.
I thought I did everyt...Read More
Plans Must Offer FREE Preventive Care
Under the Affordable Care Act (better known as Obamacare), all compliant health insurance plans must offer free preventive services. That means you won't pay extra for immunizations, annual checkups, certain cancer screenings, tests for diabetes and heart disease, and more. For women, mammograms, Pap smears, and maternity care services are also covered!
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PPO VS. HMO—WHICH PLAN IS BETTER FOR ME?
That depends on two things: your healthcare needs, and how much you're willing to pay for health insurance. An HMO has a limited network of doctors and hospitals, and you have to get a referral from your primary care physician before you can see a specialist. An HMO is less expensive than a PPO. On a PPO plan, you don't need a primary care physician, and you usually have a larger network of doctors. Since a PPO gives you more flexibility than an HMO, it's typically more expensive.