There are a multitude of ways to buy life insurance, and lots of options on how to invest your policy if you get a "whole life" plan. There is no "one size fits all" strategy but if you are really just need a certain amount of coverage, and your goal is minimizing costs each … [Read more...] about Stick to insurance basics

Talk to a health insurance agent about all of your options. These experts can help adjust the plan to meet specific needs and help to explain the differences between the providers. Some companies even offer free consulting services if you decide to join one of their plans. Also, … [Read more...] about Ask the experts how you can save

Unless restricted by a health insurance plan, doctors and hospitals often have the ability to negotiate their fees for medical procedures and more. Ask up front for a discount and often you will get a price cut (the majority of people did, according to a Harris poll). Some … [Read more...] about Yes, you can negotiate with your doctors

Even with health insurance the co-pay or deductible for a hospital or doctor bill can be a lot of money. If you are on the hook for a big cost, don't be afraid to ask for a discount. Explain your circumstances - particularly if the bill will cause you financial hardship or you … [Read more...] about Ask for help with your doctor or hospital bill

If you are going to have to pay a lot out-of-pocket for coinsurance (or no insurance coverage) on a pricey medical test, it's worth shopping around since the costs can be very different from one lab or clinic to another. Ask your doctor for the CPT (Current Procedural … [Read more...] about Need a test? Shop around