I also had as my first year trial of an Advantage plan with a PPO which is the same policy that other retired that we know have. I took advantage of the PPO benefit when I had a knee issue and wanted to go to an out of network orthopedist whom I used to work for. Only had to...
If your liability contract has a retroactive date, it is generally advisable for that date to be as far back in time as possible. If you change insurers and your new carrier agrees to honor the retroactive date that was included in the policy you had with another insurance company, your ne...