What is a HMO insurance policy?

Answer A health maintenance organization (HMO) insurance policy is a policy that is often less expensive and usually restricts you to a specific team of health care professionals that accepts this type of... Read More »

Top Q&A For: What is a HMO insurance policy

If you are on someones car insurance policy will you have to be taken off of that person's policy before trying to get car insurance of you own?

Can a homeowner purchase an insurance policy to protect an above ground swimming pool from winter damage or can a rider be attached to their current homeowner's insurance policy?

Answer Depending on the insurance company, you may be able to acquire "Collapse of Above-Ground Pool" endorsement. Which covers exactly what it says, the collapse of the above ground poolCheck wit... Read More »

I have an indiviual policy with an insurance company I can purchase a group policy through my employer Its with the same insurance company Can I use both policies?

Answer Two different policies (different policy ID numbers) should mean you should not have to pay anything out of pocket. The primary will pick up 80% (in most cases), and the secondary should pic... Read More »

What Happens to an Insurance Policy When an Insurance Company Bankrupts?

Insurance companies have a protection called the state guaranty fund that operates much as the FDIC does for banks. When an insurance company is in financial trouble, the guaranty association takes... Read More »