Secondary Dental Insurance: Is a Second Plan Worth Paying For?
How secondary dental insurance works, which plan pays first, why two plans rarely pay 100%, and a simple test for whether dual coverage is worth the premium.
Sep 25, 202611 min read
30 articles
Health Insurance guides & articles — page 2
Page 2 of 3: more health insurance guides from Best Insurance Guide on costs, coverage, claims and comparing policies.
Are COBRA Payments Tax Deductible? Sometimes, and Rarely Usefully
COBRA premiums are a qualifying medical expense, which sounds better than it is. Three routes make them genuinely deductible and most households qualify for none of them.
Sep 9, 202613 min read
Can I Cancel My Health Insurance at Any Time? Yes, and Usually Should Not
Cancelling is almost always allowed. Getting back in is not, because enrolment is restricted to open enrolment and qualifying life events. That asymmetry is the whole answer.
Sep 9, 202613 min read
Can You Get Medicare at 62? Almost Certainly Not, and Here Is What To Do
Medicare starts at 65 for nearly everyone. Retiring at 62 means bridging three years, and the options are better than most people expect if you plan the income.
Sep 9, 202613 min read
Do Prescriptions Count Towards Your Deductible? It Depends on the Plan
Some plans run drugs through the medical deductible, some use a separate drug deductible, and some charge copays that never touch it. All three are common.
Sep 9, 202613 min read
Does Medicaid Cover Wisdom Teeth Removal? It Depends on Your State
For children the answer is generally yes. For adults it varies enormously by state, and whether the extraction is medically necessary decides most cases.
Sep 9, 202613 min read
How Long Does Medicaid Approval Take? Usually 45 Days, Sometimes 90
Federal rules set the outer limits and most applications are decided sooner. What actually causes delay is missing verification, and it is almost entirely avoidable.
Sep 9, 202613 min read
How Long Is COBRA Coverage? 18 Months, Sometimes 36
The duration depends on which qualifying event triggered it, and two extensions can lengthen it. The election deadline is where most people go wrong.
Sep 9, 202613 min read
How Long Can You Stay on Your Parents' Health Insurance? Until 26
The rule is simpler than people expect and the edge cases are where it goes wrong. What counts, what does not, and what happens the month it ends.
Sep 9, 202613 min read
What Does Out of Network Mean? The Most Expensive Word in Health Insurance
Out of network means your insurer has no price agreement with that provider. What follows from that single fact explains almost every surprise medical bill.
Sep 9, 202613 min read
What Happens When You Meet Your Deductible? Less Than You Hope
Meeting the deductible starts cost sharing rather than ending it. What changes, what does not, and why the months afterwards are the cheapest of the year.
Sep 9, 202613 min read
What Is a Deductible for Health Insurance? The Number Before the Sharing Starts
A deductible is what you pay before the plan starts sharing costs. Four things it interacts with decide what your care actually costs, and most people know only one.
Sep 9, 202613 min read