The Hole in your insurance coverage

Here’s the scenario: You just had a heart attack. The doctor tells you that you’re very lucky to be alive and that you can’t work for 2 months.  Your doctors and the hospital will get paid by your health insurance.  Your life insurance isn’t...

What is Coinsurance

Coinsurance is also known as ‘Rate of Payment’.  This is the % that the insurance company will pay AFTER the deductible has been met.  Health insurance policies can have different coinsurance percentages so be sure to read your policy docs and ask your...