Recent Articles By Les Masterson

Medicare Advantage Open Enrollment Period offers limited plan options
Medicare Advantage open enrollment is from January 1 to March 31. You're able to switch Medicare Advantage plans or move to Original Medicare during that period.
How to sign up for Medicare
Americans usually qualify for Medicare when they reach 65 yrs old most are automatically enrolled some people who are eligible have to sign up. Let's take a look at the different types of Medicare, who’s eligible, how to sign up for Medicare
How much does Medicare cost?
The cost of Medicare depends on the type of plan. Medicare Advantage plans also vary based on plan design, premiums, deductibles and out-of-pocket costs. Get to know more in detail.
How do Medicare Advantage plans work?
Medicare Advantage plans are similar to health plans that people have with their jobs. Medicare provides health insurance coverage to people 65 and over. Here's a guide on medicare advantage and how it works.
Medicare: How it works with other insurance
Health insurers, including Medicare, have policies in place to guide them when people have multiple health insurance plans. It's called Coordination of Benefits. Learn how it works.
How do I sign up for Medicare when I turn 65?
Medicare will send you details about how to sign up and your options before you turn 65. Learn more on how to choose a Medicare plan during the initial enrollment period.
What is the key difference between Medicare and Medicaid?
Medicare and Medicaid often get confused. They are both governmental health insurance plans, but there are many differences, including what Americans each plan covers.
Does Medicare pay for nursing home care?
Medicare doesn’t usually cover nursing home and long-term care. However, there are exceptions. Here's everything you to understand about Medicare nursing home coverage.
How much is taken out of your Social Security check for Medicare?
How much money is taken out of your Social Security to pay for Medicare depends on your Medicare plan and your income.
What is a Medicare Advantage plan?
Medicare Advantage plans are a type of Medicare offered by private companies. The companies contract with Medicare to provide you insurance. Read the guide to know more in detail.
How much do claims increase home insurance rates?
A home insurance claim can increase your rates, but how much depends on the type of claim, the cost and how many claims you have filed.
How much does COBRA insurance cost?
COBRA insurance typically costs 102% of the premium amount that the employer pays, including the employee's and employer's share and a 2% administrative fee.
Can you cash in a paid up life insurance policy?
When you're paid up -- which means you have enough cash value to cover your life insurance premium payments -- you can terminate the policy and take the cash.
Hurricanes and home insurance: How hurricane insurance works
Hurricane insurance is a combination of policies including homeowners, flood and in some areas windstorm insurance. Find out what's covered.
Is mortgage disability insurance worth it?
Mortgage disability insurance pays your mortgage if you become disabled and are unable to work; it's a living benefit, unlike life insurance.
Home insurance for dog owners
Depending on what breed of dog you own, where you live and your insurance company, it could be difficult to buy home insurance that includes liability for your dog.
Does homeowners insurance cover power surges and outages?
Find answers to common questions about how your home insurance policy works in the event of a storm or other natural disaster that causes power outage.
How life insurance riders can pay for long-term care
Life insurance policies with long-term care riders are more popular than standalone long-term care (LTC) insurance policies.Read on to know how long-term care benefits offers additional protection.
Life insurance for new parents
Have a new baby? It's time to learn how life insurance can help protect your new arrival.
The basics of return of premium term life insurance
Return of premium term life insurance returns your payments if you outlive your policy term. These policies cost more than traditional term life policies.
Life insurance trusts for child beneficiaries
Learn why life insurance trusts for child beneficiaries are crucial. Find out how life insurance companies typically require trustees or guardians before paying death benefits to minors.
Health Insurance Satisfaction Index: Medicaid, Medicare get high marks in member survey
Insure.com surveyed Americans to gauge what they think of their health insurance. This is how people rated their employer plans, Medicare, Medicaid and individual insurance.
How to avoid surprise medical bills
Surprise billing is a problem for many patients. There are ways to protect yourself against surprise medical bills. Here are some ways to protect against a large medical bill.
Open enrollment survey: Company’s health care critical for employee retention and recruitment
We asked people about what's most important when choosing a health insurance plan, as well as what their employers offer. We found many people say a company's health insurance is vital to whether they choose to work there.
How long do I have to add my newborn to my insurance?
Group health insurance require you to add a baby within 30 days or 60 days after a baby is born.Also,check the health insurance coverage for the types of health services it covers for children.
Can you get health insurance for out-of-state child?
You may be allowed to add your out-of-state child to your health insurance, but the out-of-network expenses may make it cost-prohibitive.
“Abortion pill” generally covered by health insurers
Most insurers and pharmacy benefit managers say they will cover the RU-486 abortion pill (Mifeprex), but they are leaving it up to employers to decide whether to extend the benefit to their employees.
Selecting an inflation rider for long-term care insurance
Long-term care insurance is important, so think seriously about purchasing an inflation rider.
Health insurance for elderly parents
If you are anxious about health insurance and health care for your aging parents, you can reduce your stress by educating yourself about your parents' health insurance needs. The key is knowing exactly what information you need and where to look for it.
Will new insurance cover an existing pregnancy?
Learn about access to maternity insurance benefits when you become eligible for a health plan at work.
9 ways to lower your health insurance premiums
You can shop around for affordable health insurance premiums just as you would for better car insurance rates.
I got fired. Do I still qualify for COBRA?
You can continue your health insurance coverage through COBRA, assuming you weren't fired for 'gross misconduct'.
Long-term disability insurance: How does it work
The financial consequences of becoming unable to work can be devastating. Here's how long-term disability insurance works.
Insure.com survey: Almost 40% delayed health care during COVID-19
Nearly 40% of people said they delayed health care during the COVID-19 pandemic. Dentist and primary care were the most commonly postponed care. More than one-third said they expect to use more health care services over the next year.
Insurance Advisor 2021: The smartest five minutes you can spend on insurance
Insure.com's Insurance Advisor lets you review your insurance portfolio and find any gaps in coverage. Get suggestions now on how to protect your assets.
Frequently asked life insurance questions
Before you start shopping for an insurance policy, take a look at this list of common questions about life insurance.
When is it too late to buy life insurance?
Learn about what it's like to buy life insurance when you're a senior citizen and when it might be too late to buy life insurance.
Guide to Medicaid health plans
Medicaid is a low-cost health insurance option for millions of Americans. Here's more about the public health program, including eligibility, costs, and other alternatives.
Guide to Association Health Plans
Association health plans are a health insurance option for small businesses & self-employed Americans.Read on to learn more about association health plans & how to sign up for that.
How to buy health insurance on your own
Buying your own health insurance can seem daunting, but it can also open up more possibilities. Check out how to get your own health insurance.
Will Obamacare provide me with health insurance coverage if I lose my job?
A number of measures Obamacare are designed to make it easier for people to qualify for and pay for health insurance.
How much is health insurance a month?
Health insurance is a major cost for most Americans. The amount you pay for health insurance a month depends on multiple factors. Here is the detailed information.
Open enrollment 2021: Answers to five key questions
Open enrollment for Affordable Care Act plans sold on the federal exchange is Nov. 1-Dec. 15. Get answers to 5 key questions about how to sign up for a 2021 health insurance plan.
Health Insurance Companies
Here is a list of today’s leading health insurance companies, including their addresses and contact information, to help make choosing one easier.
Life Insurance Companies
Here is a list of today’s top life insurance companies for you to make a more informed choice on which insurer suits you and your family best.
New survey finds Medicare for all remains most popular health care plan
Insure.com has been tracking public opinion on health reform in the lead up to the 2020 presidential election. In this survey of 1,500 people found that more Americans support Medicare for all than at any time over the past year. Get to know more what are choices and what each entails
Choosing among long-term care insurance riders
Long-term care insurance companies offer a number of riders in order to distinguish their products.
Coronavirus and insurance: What you need to know
Health insurance, life insurance, auto insurance and disability insurance are all affected by the coronavirus. Here's what you need to know.
How your health insurer has changed after coronavirus
Health insurance companies have responded to coronavirus (COVID-19) by lowering potential cost burdens and removing barriers to care like prior authorizations and limitations on telemedicine. Choose your insurer to find out what they’re doing.
Long-Term Disability Insurance and Coronavirus: What you Need to know
Long-term disability insurance provides income for an extended period if unable to work because of disability. It is often the forgotten insurance but it ensures ability to produce an income.
Coronavirus and health insurance: What you need to know
Coronavirus is having multiple affects on health insurance. People who are laid off are losing employer-sponsored health insurance. Americans who need to get tested are worried how a diagnosis will affect their wallet as much as their health. Here's what you need to know.
Average home insurance rates for recommended coverage
Find out how much home insurance costs in your state for recommended coverage levels, plus learn how your homeowners insurance policy works to protect your house.
Health insurance: How to avoid being underinsured
Know your coverage needs and review your insurance regularly to avoid being underinsured. Consider your current and future health needs when choosing a health insurance plan.
Centene Health Insurance
Learn about Centene Health Insurance and explore different types of discounts and coverage options available.
EmblemHealth Health Insurance
Learn about EmblemHealth Insurance and explore different types of discounts and coverage options available.