46 articles
Page 3 of 4 of our guides about health insurance: plain-English explainers, worked examples and tips for comparing insurance coverage.
A guide to dental insurance in Illinois, from employer and individual plans to Get Covered Illinois, Medicaid, All Kids and the state's school dental exam requirement.
What the best dental insurance with no waiting period actually looks like, the four legitimate ways to avoid waiting periods, and the trade-offs hidden in plans that promise immediate coverage.
How dental insurance works in Texas, why dental HMOs are so common here, what Texas Medicaid and CHIP cover, and how to judge which plan is best for you.
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.
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.
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.
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.
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.
For children the answer is generally yes. For adults it varies enormously by state, and whether the extraction is medically necessary decides most cases.
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.
The duration depends on which qualifying event triggered it, and two extensions can lengthen it. The election deadline is where most people go wrong.
Travel medical cover and international health insurance are different products at very different prices. Which one you need depends on how long you are gone.
