Although dental insurance is not the same as health insurance, oral health has a great deal to do with general health. Oral health refers to the day to day care of the mouth and teeth that is vital to overall health. It touches every aspect of life but is often taken for granted. The mouth, [...]
We discussed the generalities of dental insurance in a previous blog post. Here’s your bridge to some specifics. The main varieties of genuine dental insurance are these: Dental PPO Plans (DPPO). “PPO” stands for Preferred Provider Organization. DPPO’s use a network of providers to deliver dental services to members. The members pay a periodic premium [...]
During open enrollment and at other times, myriad companies offer dental insurance. By “myriad companies” I mean not just employers that offer health and dental insurance options to employees, but also to dental insurance companies themselves. Open Enrollment 2016 runs from November 1, 2015, until January 31, 2016. This is when individuals can make changes [...]
I recently wrote this blog post, Life Insurance for Kids—Really? and in the article I discussed why it might not be so crazy to get life insurance for a child. For example: Barring extraordinary circumstances, life insurance protection on a child is inexpensive. Assuming that there are no health issues when applying for life insurance [...]
If you have visited my site before and read my blog, you’ll know that the whole purpose of The Insurance Problem Solver is to make insurance understandable and usable for you. I am here to try to anticipate your questions, to answer them, and to generally be your guide through the interstices (a $10 word [...]
If there were ever a time for parties, we’re upon it. House parties for Christmas, Chanukah, New Year’s Eve, New Year’s Day, Super Bowl, Kwanzaa, and more. All for fun? Yes, all for fun. Always fun? No, not always. Risk abounds. Risks of Holiday Parties And Premises Liability I, The Insurance Problem Solver, want to [...]
In the first post I wrote on annuities, I explain the difference. Here, I’d like to explain briefly about the various types of annuities so you can continue learning how to secure your financial future, or become more comfortable with the options you have. An annuity is a financial product issued by an insurance company. [...]
Nearly everybody has heard of annuities, but fewer know what they are. The Insurance Problem Solver wants to help you better understand them. But remember, I am not a financial advisor so I cannot recommend whether an annuity is right for you, much less what kind or which one. […]
HIPAA is the acronym for a broad body of federal law, The Health Insurance Portability and Accountability Act that has existed since 1996. Because it is a federal law it applies in all states. Like many laws, HIPAA covers several topics. Some of them are not directly connected with each other, but there are some [...]
Those are not words that are often uttered in the same breath. But maybe there is a connection. To see it, one has to look beyond the strict business of insurance. As I have said so often before, insurance is, above and beyond all else, protection. Sure, there are many business uses for it, like [...]
