Tag: insurance
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Medicare Advantage is a scam Congress refuses to investigate
Medicare Advantage costs taxpayers more than traditional Medicare while restricting care. The evidence is clear, and Congressional inaction is hard to justify.
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Peace of Mind Is Often What You’re Buying
Many products and services are sold as practical when they’re really sold as reassurance. Here’s how to tell when you’re paying for utility versus comfort.
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The entire insurance industry exists to legally not pay claims
Insurance is sold as protection but operates as a denial machine optimized by actuaries and lawyers. Here’s how the business model actually works.
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Weather risks are underestimated
We treat weather as background noise until it kills us. Insurance, planning, and personal preparation all systematically underweight what data has been showing for years.
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Long-term care insurance is the worst financial product still legally sold
Long-term care insurance promises peace of mind and delivers premium hikes, denied claims, and bankrupt insurers. Almost no version of it is worth buying.
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Surprise billing legislation didn’t fix surprise billing
The No Surprises Act was supposed to end out-of-network bills. Patients are still getting them — through loopholes the law left open on purpose.
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The truth about pain and suffering awards
Pain and suffering payouts get sensational headlines, but the actual numbers in personal injury cases are tightly capped, negotiated, and often modest.
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Insurance on Expensive Items Isn’t Always Worth It
Extended warranties and item-specific insurance often charge premiums that exceed expected payouts. Here’s when the math actually favors self-insuring instead.
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Extended warranties are insurance and they’re still a ripoff
Extended warranties are technically insurance products, and they’re priced like the worst kind. The expected value almost always favors the seller.
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Why some personal injury claims are overvalued
Plaintiffs and lawyers sometimes overestimate case value, leading to bad settlements and worse trials. Understanding actual value drivers protects everyone.