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A PPO dental plan works just like your health plan, meaning you have in-network and out-of-network benefits. With a PPO dental plan, you must determine the benefit amount during the application process. You can buy a plan with a benefit of $750, $1,000, $1,500, $2,000, or $2,500. This is the maximum annual […]

4 Types of Dental Plans: the PPO Dental Plan


HMO dental plans typically have a fairly narrow network; you can only use their providers to receive services. Though the networks are small, there are no waiting periods. It’s a scheduled-benefit structured plan. So in other words, you pay nothing or a copay to see the dentist whether it’s a cleaning or a procedure. […]

4 Types of Dental Plans: the HMO Dental Plan


Discount Dental Plan A discount dental plan is how it sounds; you get discounts off preventative services like cleanings and checkups, as well as basic services, such as fillings and extractions. Additionally, a discount dental plan reduce the cost for major services like surgeries, deep cleanings, caps, crowns, dentures, etc. Though […]

4 Types of Dental Plans: the Discount Dental Plan



Have you ever heard of a plan having first-dollar benefits, no deductibles, and no rate increases? These three descriptors are the basis of fixed indemnity plans. Moreover, fixed indemnity plans operate on a set schedule. To explain, they only pay so much for you to see the doctor, visit a hospital, […]

Fixed Indemnity Plans


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Penalty Exemption #1: Qualified Health Plans According to the Affordable Care Act (ACA), anybody who has a qualified health plan is exempt from paying the penalty. A qualified health plan can be one of the following: ACA (on/off-marketplace) Plan Group Health Plan Medicare Medicaid CHIPs V.A. Medi-Share Plans for Alaskan natives and […]

3 Ways to Avoid Paying the Penalty


High risk pools were actually around for about ten to fifteen years prior to the ACA. They were available in the majority of the states. But when President Obama’s healthcare law went into effect, high risk pools went away. However, as the new administration works on reforming the healthcare system, the idea […]

Terms Defined: High Risk Pools



According to the American Cancer Society, one in two men and one in three women will be diagnosed with some sort of cancer during their lifetime. The odds that somebody you know, whether friends or family or even you, may get cancer. To make matters worse, cancer induces high medical expenses. Sixty-percent […]

The Best Type of Cancer Plan


Being on the receiving end of a prank is frustrating to say the least. However, there are some pranks throughout history that are undeniably brilliant and hilarious. Let’s take a moment to appreciate the most genius pranks on the day of pranks! Happy April Fools’ Day! 1955: Contra-Polar Energy Popular […]

Best April Fools’ Day Pranks of the Last Century


Origins of April Fools’ Day The origin of April Fools’ Day is a bit tricky and thus fitting for the day of mischief and tomfoolery. The origin is not only unknown and debated, but each theory is a joke in and of itself. Below are some of the most popular theories […]

Why Do We Celebrate April Fools’ Day?



What to Eat before Exercise Nancy Cohen, a professor in the department of nutrition at the University of Massachusetts in Amherst, recommends eating carbs (in moderation) before exercising. If you exercise for more than an hour, then Cohen recommends eating one to four grams of carbohydrates per every 2.2 pounds of […]

Eat Right Before, During, and After Exercise