What is Critical Illness Insurance?

 today's question: what is Humana critical illness insurance the simple answer is when you were diagnosed something serious like a heart attack stroke or cancer critical illness insurance pays you cash which can help you pay for things like your regular household expenses medical bills or whatever you need if you like a lot of people critical illness insurance maybe something you've never thought about for you may also be wondering why you needed especially if you already have regular health insurance doesn't that cover you in case you have a critical illness here's the difference between your health insurance plan and a critical illness insurance plan regular health insurance help cover your medical bills things like visits to your doctor hospital bills and surgeries Humana critical illness insurance pays you when you're diagnosed and you can use the money for whatever you need to make it easier to explain let's meet Scott Scott had a good job but things are getting pretty stressful at work scott also was worried about his personal finances he and his wife were thinking about buying a new car and the oldest child

What is Term Life Insurance and Whole Life Insurance?

these question what's the difference between Humana term life insurance and Humana whole life insurance the simple answer is that they are both types of life insurance and life insurance can take care of your family's finances in case you die if you aren't around anymore life insurance can help make sure there's some money available to do things like send your children to college and make your house payment most of us avoid thinking about life insurance because we don't like to think about well our own deaths then what's the difference between term life insurance and whole life insurance whole life insurance stays with you providing benefits to your loved ones at the time of your death whenever that is term life insurance on the other hand provides coverage and benefits to your survivors during specific shorter timeframe that you choose like 10 years or 20 years it's sort of like buying vs renting with holy you are protecting your loved ones for your entire lifetime without risk that the price will go up term life on the other hand is like renting because it gives you covered during the specific number of years you need it the most but which type of life insurance is best for you. Term life or whole life to make it easier to explain let's take a look at and her husband Tim have jobs that pay pretty well and they have two kids at home Johnny and

What is Disability Insurance?

 today's question: what is disability insurance coverage the simple answer is the disability insurance is a way to cover expenses when you can't work because of illness or injury payments from disability insurance can be used for anything you need like mortgage payments groceries car payments or college tuition whatever your expenses disability insurance payments can help keep your life on track even when your health isn't here's an example: linda has a good job with a trucking company for her 40th birthday her kids have the world's best idea a horseback ride through the mountains outside town unfortunately it's not all happy trails after a victory lap around the grounds for horse steps into a bucket and does some pretty major damage to her ankle since Linda's job involves a lot of walking around this is a problem good thing Linda signed up for her own Humana disability insurance policy last time it was all that work no matter what your

Health Insurance Guide Part II

prescriptions they're just a few things to keep in mind when you're looking at health plans and prescription drug coverage first the network on Sept very much applies here if you use a pharmacy that is in network you will pay less than a fuse when outside of the network so be sure your pharmacy is in at work Canary prescription drugs are almost always less expensive than name brand so make sure your plan shows the difference in cost for generics you should the lower copay for generics and sometimes the deductible is even waved Iran a lot of medication techs a maximum amount planet k in a calendar year either way you could be looking at some serious out-of-pocket expenses on your end and if your on a specific medication make sure it's on the approved list of covered medications also called the formulary so there are no surprises lyrics or divides into tears which affect costs so your medication could be on 121 plan and a whole different here on another and the cost difference could be significant to ask a company for a copy of the formulary or see if you can get it online and check the tears to what to

Health Insurance Guide Part I

​ let's start - welcome we know a confusing it can be to buy health insurance these days and if you used to be in a plan where he worked shopping for your own individual plan can be even more of an eye-opener we hear it from people all the time it's tough to understand the ins and outs in to know what to look for thats why we put this together this is brought to you by Aetna and AARP it's not a sales pitch honest it's a straight upload how to buy individual health insurance point out some important things to look for if you expect when you consider a health plan for you or your family like cost cost as one of the first things people look at when they're checking out health insurance understandable but cost is more than just premiums and deductibles co-pays coinsurance maximum out of pocket sand more so you need to look at the big picture of cost now just as important is the coverage after all you're lying this to make sure you are covered when you need it so you need to know what's covered and whatnot from doctors and test to preventive care and medications and even