In the first portion of this series, I discussed health insurance through the lens of everything we must pay for. This time, I’ll explain the costs your insurer is liable for. You’ll notice that insurance companies have fewer expense categories than you. That’s by design… Insurer’s Copay Your copay is only a portion of […]
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Healthcare in the United States is a scam. A metastasizing mass of squeezing, wrenching, covetous middlemen bent on extracting pennies from the poorest of the poor. If you’re unfortunate enough to have needed medical attention in this country, you likely have a firsthand understanding of how dehumanizing this process is. […]
Living in this complex digital world demands a massive amount of trust. Trust in our own knowledge, trust in each other, trust in large institutions… In general: digital participation requires that we trust 3rd parties almost entirely. We seem perfectly content to hand over our sensitive data, blindly agree to […]
Nobody in America likes their health insurance. The stereotypical image of insurers – as stingy, clutching, covetous institutions, hell-bent on denying as many claims as possible – is perhaps mostly the fault of the health insurance industrial complex. It’s horrible. But since you’re already reading this, I’m probably preaching to […]
Distracted driving is a dangerous, all-too-common habit. Come on: we’re all guilty of it. We just love to do stuff that isn’t driving, while we’re driving. Fiddling around with Spotify at stoplights, eating entire meals in bumper-to-bumper traffic, trying to snap a picture of that idiotic vanity plate. Occasionally, all […]
Accidents are always expensive. But it’s never worse than when you’re the one at fault. It hurts your driving record, your insurance premiums go up, and you’re more than likely to suffer emotional grief as a result. But imagine how much worse it is when you know the accident wasn’t your fault […]
We’ve done several posts on umbrella insurance already. By now, you know what it is and how it functions. Since we live in an extremely-litigious country, where anybody can sue anyone for millions more than they’re worth, umbrella insurance is a low-cost way for individuals to get significant extra liability […]
There are six types of homeowner’s insurance. But the Standard Homeowners insurance policy, known as HO-3, is the most common insurance policy on the market. If you own your place, chances are you’re insured under an HO-3. The HO-1 and HO-2 are cheaper, more limited policies. The major difference is […]
Is travel insurance ever worth it? I used to ponder this question every time I was about to book a flight, train, or hotel. Thanks to my Chase Sapphire Reserve card, I have built-in travel insurance reimbursement on any travel booked with the card. But before that lovely feature, I’d […]
Getting affordable health insurance can be difficult. There are many different types of health insurance plans available for people on the market. Some are very expensive, while some are affordable, depending on your specific needs. Here we will talk about finding affordable health insurance and what you should consider when […]