Some plans also require your pet to have seen a vet recently, or ask that your pet undergo an exam before they’ll sell you a policy. » MORE: Nibbles, the credit card that comes with pet insurance Do you need pet insurance? There’s no law requiring you to buy ins...
Where you live:Insurers offer different plans in different locations, and state insurance regulations could also affect costs. Whether you use tobacco:You could be charged as much as 50% more if you smoke, depending on state law. The type of health insurance will also affect your rates. The...
Homeowners insurance coverage pays to repair or replace damaged property, including your belongings and the structure of your house. Home insurance generally covers damage due to fire, wind or snow, but standard policies won’t cover floods or earthquakes. It also covers your liability if you hurt...
New York Antidiscrimination Insurance Law Does Not Require Parity in Coverage for Physical and Mental Disabilities
Most mortgage lenders require homeowners to purchase home insurance. Standard HO-3 home insurance policies cover damage to your home’s structure, other structures on your property and your personal belongings, as well your liability as a homeowner and the cost for things like food and a hotel ...
Flood insurance Some homeowners may be surprised to learn that flooding — even from a hurricane — is generally not covered by a standard homeowners insurance policy. This is why many lenders require homeowners to carry flood insurance if they have a mortgage. One of the most common ways to ...
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In some cases, insurance companies may decline coverage altogether if you have certain terminal illnesses or if you’re currently undergoing treatment for a life-threatening condition. Additionally, if you fail to disclose any known health conditions during the application process, it could lead to ...
The Minimum Essential Coverage provision of the Affordable Care Act was mandated by Congress to ensure that individuals have health insurance plans with good benefits. You're generally covered under MEC if you have Medicare Part A, both Part A and Part B, or a Medicare Advantage Part C pla...
ASO plans allow employers to have more control and flexibility over their health insurance programs. Instead of paying a premium to an insurance company, employers directly fund their employees’ healthcare expenses. This means that the employer is responsible for paying for eligible claims, handling...