Health insurance as an open credit card

Unfortunately, many see health insurance as an open credit card. People demand things that they think should be covered and have access to whichever provider they so choose. Requiring to go to the most expensive hospital system because someone else is paying the bill would be entirely different if it came out of your pocket. The truth is, it does cost you ...

Overusing your health insurance

When reviewing health plans and evaluating cost, keep in mind health insurance wasn't designed to cover every penny related to health care. Everything under the sun on an open credit card is nice, but not when you are paying the bill. But you are. The purpose of insurance is to cover sudden very expensive losses. It's about making you whole again and not...