When choosing a plan, it’s a good idea to think about your total health care costs, not just the bill (the “premium”) you pay to your insurance company every month. Other amounts, sometimes called “out-of-pocket” costs, have a big impact on your total spending on health care- sometimes more than the premium itself. Across the…
As you get older, there are several financial responsibilities that become more prevalent over time. You may be wondering how you can possibly pay for housing, food, insurance, health care, debt repayment, and fun without running out of money. That’s a lot to cover with a limited paycheck. The answer is simple: make a budget.…
Almost everyone by now knows they’re eligible for a free credit report once every 12 months from the 3 major credit bureaus: Equifax, TransUnion, and Experian. What many people don’t realize, however, is when exactly they should check those reports. The quick answer is to check your report with enough time to fix any issues…
Medicare is a federal health insurance program that covers people who are 65 and older, in addition to certain younger people with disabilities or with end-stage renal disease. If you’re 65 or older, you may qualify for full Medicare benefits if: you’re a U.S. citizen or a permanent legal resident who has lived in the…