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
80 articles
Articles tagged "insurance basics" — page 4
Page 4 of 7 of our guides about insurance basics: plain-English explainers, worked examples and tips for comparing insurance coverage.
Does Car Insurance Cover Repairs? Only the Ones Caused by an Event
Insurance pays for damage from a sudden accidental event. It never pays for a worn clutch, a failed alternator or a service. The line between the two decides every claim.
Sep 9, 202613 min read
Does Insurance Cover a Stolen Car? Only If You Bought Comprehensive
Theft is a comprehensive claim, it settles at the car's value rather than what you owe, and the belongings inside it are somebody else's policy entirely.
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
Does Renters Insurance Cover Fleas? No, and Nor Do Most Policies
Infestations are excluded from every standard renters policy as a maintenance issue. Who is actually responsible, what the lease says, and what you can do.
Sep 9, 202612 min read
Does Renters Insurance Pay for a Hotel? Loss of Use, Explained
Loss of use pays the additional cost of living elsewhere after a covered loss. What counts, what does not, and the parts tenants routinely forget to claim.
Sep 9, 202612 min read
Does Renters Insurance Cover Injuries? Other People's, Not Yours
Renters liability pays when someone else is hurt in your home or by your actions. Your own injuries are your health insurance, and the naming confuses everyone.
Sep 9, 202612 min read
Does Renters Insurance Cover Theft and Robbery? Yes, Within Limits
Theft is covered wherever it happens and forced entry is usually not required. The category sublimits are where claims disappoint, and cash is capped at almost nothing.
Sep 9, 202612 min read
Does Travel Insurance Cover Cancelled Flights? Only the Costs the Airline Will Not Pay
The airline owes you a refund or a rebooking. Travel insurance covers the hotel you cannot reach, the tour you miss and the night in an airport city, and only for listed reasons.
Sep 9, 202613 min read
Does Travel Insurance Cover Hurricanes? Only If You Bought It First
A hurricane becomes a foreseeable event the moment it is named, and policies bought after that point exclude it. Timing decides this question more than wording does.
Sep 9, 202613 min read
Dwelling Insurance: What a DP Policy Is and Who Actually Needs One
Dwelling fire policies cover the building without the homeowners package around it. The three forms, what each leaves out, and why landlords and vacant homes end up here.
Sep 9, 202613 min read
Homeowners Insurance in New Jersey: The Wind and Water Line
New Jersey premiums are moderate for the Northeast and the coverage gap is severe. Most of the state's flood exposure sits outside the mapped high-risk zones, where nobody is required to buy.
Sep 9, 202613 min read