If you’ve ever taken out private health insurance—or considered it—you’ve probably noticed that premiums can vary quite a bit. While some reasons behind these costs are obvious, such as the level of cover you choose, other influences are less well-known. From your age to your postcode, many elements play a role in shaping how...

Few experiences are as frustrating as picking up a prescription only to learn your insurance won’t pay for it. Medication denials are more common than you might think, often tied to insurance rules, paperwork issues, or coverage limits. The good news is that a denial doesn’t always mean the end of the story—patients have the...

If you’ve looked into private hospital insurance in Australia, you’ve probably come across the term Lifetime Health Cover (LHC) loading. It’s not the easiest rule to wrap your head around, but understanding it can save you from paying a lot more for cover later in life. What Is LHC Loading? The LHC loading was introduced …...

Healthcare costs in the United States continue to rise, and even with a solid health insurance policy, out-of-pocket expenses can quickly add up. This is where supplemental health insurance comes into play. While your primary plan covers the essentials, supplemental insurance is designed to fill the gaps, offering extra protection when...