Insurance is a form of risk management primarily used as a protection against the risk of loss. It transfers the risk of a loss, from one entity to another, in exchange for a premium. The insurance rate is a factor used to determine the amount called the premium, to be charged for a certain amount [...]

If you’ve been to a doctor, you know how crazy things can get with the billing even if you have insurance. In this article, we seek to explain how this maze of red tape works. Simply put, medical billing involves a series of communications between a doctor’s office and a medical insurer. What is medical billing used for? As you sit atop that cold steel table awaiting your prognosis, your doctor’s office is engaging in a dialogue with your current insurance company. The topic of conversation? You, of course. As your doctor checks for all your vital signs, various medical codes are placed next to your personal medical information contained within your file. Once your doctor leaves the examination room, your file then goes into the hands of a medical secretary, and it is se ...Read More

Many couples face infertility. This is a very emotional obstacle to overcome. In addition to the mental strength that you’ll need to conjure, you will also need money. Some infertility treatments can be very expensive for most couples. Your intense desire to have children can make infertility treatment seem like more of a necessity than a desire in your life. Many couples who simply can’t afford the treatment that they need, will start to look elsewhere for financial help. This is where the question of insurance comes in. Insurance coverage for couples seeking infertility treatment may be hard to come by. The first thing you need to do is contact your employer or insurance company for a copy of your insurance coverage contract. Some contracts will specifically exclude infertili ...Read More