Craig Sturgill - Health Insurance Expert

As you’re shopping for health insurance, you may see plans that offer no deductible. Zero-deductible plans don’t require you to meet a minimum balance before the health insurance company contributes to your health care expenses. These plans typically have higher premiums, while high-deductible plans have lower monthly premiums. If you frequently require medical care or […]

UPDATED: SEPTEMBER 19, 2023

When delving into health insurance, you’ll likely come across unfamiliar terms. Fully understanding what those terms mean to you, your health coverage, and your pocketbook can make a difference. Ancillary health insurance benefits are likely one of the terms you may come across but may not know much about. Below we’ll break down the basis […]

UPDATED: JULY 05, 2023

According to the Centers for Disease Control and Prevention (CDC), diabetes was the eighth leading cause of death among US adults in 2020. While the National Diabetes Statistics Report indicates that Type 1 and Type 2 diabetes cases are generally rising, some states report new cases at higher rates. Read more about different types of diabetes (a […]

UPDATED: AUGUST 28, 2023

Even incredible health insurance has its share of out-of-pocket costs and is typically a form of coinsurance. These expenses come from different areas and can range significantly depending on your healthcare plan. The best way to avoid surprises and save money is to properly understand out-of-pocket health insurance costs. To give you a solid foundation, […]

UPDATED: JULY 05, 2023

Your health insurance likely covers injuries from a car accident. It’s a good idea to understand your options when getting medical care paid to ensure you’re protected in an accident. Here are a few things to keep in mind: We’ll take a closer look at health insurance for car accident injuries. How to submit medical […]

UPDATED: APRIL 19, 2023

Short-term medical plans might be a good option if you have a gap in your health insurance coverage or are between jobs. Before shopping for short-term health insurance plans, weighing the pros and cons is essential. Keep reading for crucial information about this temporary coverage. What Are Short-Term Medical Plans? Short-term health insurance is temporary […]

UPDATED: JULY 03, 2023

Having to deal with medical debt can be one of the most debilitating experiences of anyone’s life. We can all relate to that feeling of panic when you see the bill in the mailbox and the urge to set it aside to avoid dealing with it, unsure how to get help with medical bills. The […]

UPDATED: JULY 05, 2023

If you don’t have health insurance, fixed indemnity plans may help you pay medical bills with a cash benefit. But these insurance products may not be for everyone and should be considered carefully. Let’s break down a fixed indemnity plan, what it involves, and whether it’s worth purchasing. What is a fixed indemnity plan? A […]

UPDATED: JULY 05, 2023

Companies often offer employee benefits; these benefits may include health insurance. Employer-provided health insurance is usually a group health plan and covers the medical expenses of the employee and, sometimes, their spouse or dependents. Job-based health insurance features several requirements and differs slightly from individual healthcare plans. Read on to learn more about these health […]

UPDATED: JULY 05, 2023

If you have family health insurance coverage, you may have heard the term ‘embedded deductible.’ You must understand the type of deductible your health plan uses. Embedded deductibles have an individual deductible and a family deductible for the policy. So, how does an embedded deductible work? Here is an explanation of how they pertain to […]

UPDATED: JULY 05, 2023