Healthcare

With all the recent changes in the law, it can sometimes be difficult understanding the exact difference between government insurance and commercial insurance. In short, government insurance usually refers to a variety of different plans (including those that are regulated by the government in a kind of market, while commercial insurance refers to plans that are sold by for-profit companies that are free from such regulations.

Healthcare

High Deductibles VS Low Deductibles

When it comes to choosing health insurance plans, one of the most important things to consider is the deductible. With any insurance policy, a deductible is the amount you must pay out of pocket before the insurance provider will pay for anything. While not every insurance plan includes deductibles, more than 80% of them do, so knowing which one is right for you is important. Many insurance plans are categorized by having a low deductible, meaning you only pay a little before the insurer begins to play, or a high deductible, which can be quite substantial. But because the premiums (costs) of high deductible insurance plans are lower, it can be a wise choice for some people.

Wellness

When to take your child to the doctor - SmartChoiceMD

It happens to every parent: your child is running a fever, or has other obvious signs of illness, but not quite so bad that you’re sure a visit to the doctor or hospital is in order. Without being a trained medical professional, it can be very difficult knowing when a child really needs to get sometimes expensive medical help, and when it’s okay to treat the symptoms at home with rest, over-the-counter medicines, and traditional remedies. Below is a brief guide on how to identify the potential seriousness of your child’s condition..