Davis Insurance

Health Insurance for Self-Employed Professionals: What Are Your Options?

Health Insurance for Self-Employed Professionals: What Are Your Options? If you're self-employed, you already wear a lot of hats: CEO, accountant, marketer, and everything in between. One of the biggest responsibilities that falls squarely on your shoulders is securing health insurance for yourself. Without access to an employer-sponsored plan, understanding your options...

What to Do If You Get a Surprise Medical Bill

What to Do If You Get a Surprise Medical Bill Susan scheduled what she thought would be a routine outpatient procedure, an endoscopy recommended by her doctor. She confirmed the hospital was in-network, verified coverage with her health insurer, and even paid the expected copay in advance.

Coverage for College Students: Are They Still Protected Under Your Plan?

Coverage for College Students: Are They Still Protected Under Your Plan? As a parent, sending your child off to college means you're already thinking about tuition, dorms, textbooks, and meal plans. But what about their health insurance coverage? Whether they're headed across the state or across the country, one question often goes overlooked: will they still be protecte...

Does Your Health Insurance Cover Mental Health Services?

Does Your Health Insurance Cover Mental Health Services? Mental health is no longer a fringe topic in health care; it’s front and center. With rising awareness and demand for services, more people are asking: Does my health insurance cover mental health care? The answer is yes, but how much is covered, and in what ways, can vary significantly depending ...

What Happens If I Outlive My Term Life Insurance Policy

What Happens If I Outlive My Term Life Insurance Policy Term life insurance is one of the most cost-effective ways to financially protect your loved ones during your working years. It offers a guaranteed death benefit for a set period, usually 10, 20, or 30 years.

Flexible Spending Accounts: A Smart Tool to Save on Health and Dependent Care Costs

Flexible Spending Accounts: A Smart Tool to Save on Health and Dependent Care Costs When it comes to managing your out-of-pocket health care and dependent care expenses, you may be overlooking one of the most effective tools available: the Flexible Spending Account (FSA). This employer-sponsored benefit allows you to set aside pre-tax dollars for qualifying expenses, saving you hun...

Why Some Doctors Prefer Patients with Medicare Supplement Plans

Why Some Doctors Prefer Patients with Medicare Supplement Plans As more Americans age into Medicare, the choices between Medicare Advantage and Medicare Supplement (Medigap) plans have become increasingly important. And this is not just for patients, but for doctors as well. While both types of plans offer coverage to Medicare beneficiaries, many physicians favo...

Beat the Heat: Smart Ways to Stay Cool All Summer Long

Beat the Heat: Smart Ways to Stay Cool All Summer Long When summer temperatures soar, staying cool isn’t just about comfort; it’s about staying safe. Heat exhaustion and heat stroke are real concerns during the hottest months of the year, especially for children, older adults, and those with medical conditions.

Top 10 U.S. Roadside Attractions to Visit this Summer

Top 10 U.S. Roadside Attractions to Visit this Summer One of the joys of a summer road trip is stumbling upon those quirky, larger-than-life roadside attractions that turn a simple drive into an adventure. Whether you’re heading across the country or just across your state, there are unusual stops within the U.S. that offer up a chance to stretch you...

Term Life Insurance vs. Accidental Death and Dismemberment: What’s the Difference?

Term Life Insurance vs. Accidental Death and Dismemberment: What’s the Difference? If you’re exploring ways to protect your family financially, you may come across two common options: term life insurance and accidental death and dismemberment (AD&D) insurance.

Bikes, Kayaks, and Rooftop Gear: What Your Insurance Covers

Bikes, Kayaks, and Rooftop Gear: What Your Insurance Covers Summer road trips often mean loading up your vehicle with extra gear. Bicycles on a hitch rack, kayaks strapped to roof rails, and storage bins filled with vacation essentials are just a few extracurricular items your vehicle might be tasked with hauling to your next destination.

ER, Urgent Care, or Virtual Visit? Where to Go and What It’ll Cost You

ER, Urgent Care, or Virtual Visit? Where to Go and What It’ll Cost You When unexpected health issues arise, it can be easy to panic and head straight for the emergency room. But depending on the situation, there may be faster and far more affordable options. Choosing between the ER, urgent care, or a virtual visit can make a big difference in both wait times and out-of...