Insurance Frequently Asked Questions 2025

Stay informed with the latest answers to the most common insurance-related questions in 2025. Whether you’re navigating auto, home, health, or life insurance, this comprehensive FAQ guide will help you understand key policies, coverage options, and industry trends. Get clear insights to make better-informed decisions about your insurance needs.

Dental Insurance & Procedures FAQ’s

How much do braces cost with insurance?
Typically, insurance covers a significant portion of the cost, reducing out-of-pocket expenses. However, the exact amount depends on the plan.
How much does braces cost with insurance?
Similar to the above, insurance can lower the out-of-pocket costs, with the final amount depending on the coverage.
How much are braces with insurance?
With insurance, the cost varies depending on the insurance coverage but is significantly reduced.
How much is dental cleaning without insurance?
A routine cleaning can cost between $75 and $200.
How much is a dental cleaning without insurance?
Routine cleanings generally range from $75 to $200.
How much is teeth cleaning without insurance?
Teeth cleaning without insurance costs between $75 and $200.
How much does a dental cleaning cost without insurance?
Dental cleaning costs typically range from $75 to $200.
How much does a teeth cleaning cost without insurance?
Teeth cleaning without insurance generally costs between $75 and $200.
How much are braces without insurance?
Braces without insurance can cost between $3,000 and $7,000, depending on type and treatment duration.
How much does it cost for braces without insurance?
Without insurance, braces generally cost between $3,000 and $7,000.
How much do braces cost without insurance?
Braces typically cost between $3,000 and $7,000 without insurance.
How much are x-rays without insurance?
X-rays cost between $100 and $200, depending on the type.
How much is a cavity filling without insurance?
A cavity filling without insurance can range from $50 to $450, depending on the material used.
How much does a cavity filling cost without insurance?
Cavity fillings can cost between $50 and $450.
How much is a tooth filling without insurance?
Tooth fillings without insurance generally range from $50 to $450.
How much will a filling cost without insurance?
A filling without insurance typically costs between $50 and $450.
How much is a white filling without insurance?
White fillings without insurance cost between $150 and $450, depending on the material.
How much is chest x-ray without insurance?
A chest x-ray without insurance costs between $100 and $400.
How much is a chest x-ray without insurance?
Chest x-rays typically range from $100 to $400 without insurance.
How much is an x-ray without insurance?
X-rays without insurance usually range between $100 and $200.
How much does it cost to fix a chipped tooth without insurance?
Fixing a chipped tooth without insurance can cost between $100 and $500, depending on the procedure.
How much is it to fill a cavity without insurance?
Filling a cavity without insurance typically costs between $50 and $450.
How much is it to remove wisdom teeth without insurance?
Wisdom teeth removal without insurance costs between $75 and $900 per tooth.
How much is wisdom teeth removal without insurance?
Wisdom teeth removal without insurance generally costs between $75 and $900 per tooth.
How much do dentures cost with insurance?
Dentures with insurance are typically partially covered, but out-of-pocket costs will vary.
How much do dentures cost with extractions with insurance?
Dentures with extractions and insurance coverage usually involve partial coverage, reducing the cost significantly.
How to get dental implants covered by medical insurance?
Dental implants can sometimes be partially covered by medical insurance if deemed medically necessary. Check the specific policy.
How much is root canal without insurance?
A root canal without insurance generally costs between $800 and $1,500 per tooth.
How much is a root canal without insurance?
A root canal without insurance typically costs between $800 and $1,500 per tooth.
How much does a root canal cost without insurance?
Root canal procedures without insurance can range from $800 to $1,500.
How much does Invisalign cost without insurance?
Invisalign without insurance typically costs between $3,000 and $8,000.
How much is Invisalign without insurance?
Without insurance, Invisalign generally costs between $3,000 and $8,000.
Are veneers covered by insurance?
Veneers are typically not covered by insurance, but some plans may offer partial coverage for medically necessary cases.
How to get veneers covered by insurance?
Veneers may be covered partially if deemed medically necessary. Check with the insurance provider for details.
Does dental insurance cover veneers?
Dental insurance usually does not cover veneers unless they are medically necessary for oral health.
Does dental insurance cover wisdom teeth removal?
Dental insurance generally covers wisdom teeth removal, but the extent of coverage varies by plan.
How much to fix a chipped tooth without insurance?
Fixing a chipped tooth without insurance can cost between $100 and $500, depending on the method used.
Is dental bonding covered by insurance?
Dental bonding is sometimes covered by insurance, especially when used for restorative purposes.
Do newborns need dental insurance?
Newborns may not need dental insurance immediately, but coverage is recommended as they grow and start teething.

Physical & Mental Health Insurance FAQ’s

Is ketamine infusion covered by insurance?
Ketamine infusion may be covered by some insurance plans, especially for treatment-resistant depression or PTSD, but this depends on the specific insurance plan.
Is physical therapy covered by insurance?
Physical therapy is generally covered by most insurance plans, often with a referral from a doctor.
Is pelvic floor therapy covered by insurance?
Pelvic floor therapy is often covered under physical therapy benefits, depending on the insurance plan.
Is couples therapy covered by insurance?
Couples therapy is typically not covered unless deemed medically necessary or part of a treatment plan.
Is couples counseling covered by insurance?
Couples counseling is usually not covered by insurance unless it is considered medically necessary.
Is speech therapy covered by insurance?
Speech therapy is generally covered when it is medically necessary, such as after a stroke or for developmental disorders.
Is functional medicine covered by insurance?
Functional medicine is rarely covered by insurance as it is considered an alternative or complementary treatment.
Is hormone replacement therapy covered by insurance?
Hormone replacement therapy may be covered for conditions like menopause or gender-affirming care, depending on the insurance plan.
Is stem cell therapy covered by insurance?
Stem cell therapy is generally not covered unless it is part of a clinical trial or has specific medical indications.
Is accutane covered by insurance?
Accutane (Isotretinoin) is typically covered by most insurance plans for treating severe acne.
Is circumcision covered by insurance?
Coverage for circumcision varies by insurance provider, but it is often covered when medically necessary.
Is dental bonding covered by insurance?
Dental bonding is generally not covered by insurance unless it is deemed medically necessary.
Is LASIK covered by insurance (Blue Cross)?
LASIK surgery is usually not covered by insurance as it is considered elective surgery.
Is cataract surgery covered by insurance?
Cataract surgery is typically covered by most insurance plans as it is considered a medically necessary procedure.
Is mold covered by insurance?
Mold remediation is not covered by health insurance; however, it may be covered under a homeowners insurance policy.
Is TRT covered by insurance?
Testosterone Replacement Therapy (TRT) may be covered by insurance for medically necessary conditions, but coverage varies.
Does insurance cover TRT?
Insurance may cover TRT for conditions like hypogonadism or other medically necessary reasons, but this depends on the insurance provider.
Does insurance cover dermatology?
Dermatology services are generally covered for medical conditions such as skin cancer or acne, but cosmetic dermatology may not be covered.
Are dermatologists covered by insurance?
Most dermatologists are covered by insurance for medically necessary treatments, but coverage for cosmetic procedures is often excluded.
Does insurance cover chiropractic care?
Chiropractic care is often covered by insurance plans, particularly for spinal manipulation therapy.
Does insurance cover chiropractic?
Chiropractic care is commonly covered by insurance, depending on the plan and type of treatment.
Does insurance cover massage therapy?
Massage therapy is rarely covered by insurance, but it may be included in some plans if medically necessary.
Is chiropractor covered by insurance?
Chiropractors are generally covered by insurance, but the extent of coverage depends on the insurance provider and plan.
Are chiropractors covered by insurance?
Chiropractors are usually covered by insurance, but coverage may vary based on the type of service provided.
Do chiropractors take insurance?
Many chiropractors accept insurance, but it’s important to verify the details with both the chiropractor and the insurance provider.
How much does a chiropractor cost without insurance?
A chiropractor visit without insurance can cost between $50 and $100 per session.
How much does chiropractor cost without insurance?
Without insurance, chiropractic visits typically range from $50 to $100 per session.
How much is physical therapy without insurance?
Physical therapy costs between $75 and $150 per session without insurance.
Is stem cell therapy covered by insurance?
Stem cell therapy is generally not covered unless it is part of a clinical trial or has a medically necessary indication.

Medical Procedures & Diagnostics (Insurance Cost or Coverage)

How much is a colonoscopy without insurance?
Without insurance, a colonoscopy can cost between $1,250 and $4,800, with an average of $2,750.
How much does a colonoscopy cost without insurance?
Costs range from $1,250 to $4,800, averaging $2,750.
How much is an MRI with insurance?
With insurance, MRI costs vary based on plan details, deductibles, and copays. Out-of-pocket expenses can range from $50 to $500, but may be higher depending on the plan.
How much does an MRI cost with insurance?
Costs depend on the specific insurance plan, including deductibles and copayments. Out-of-pocket expenses typically range from $50 to $500.
How much is an ultrasound without insurance?
Without insurance, an ultrasound can cost between $200 and $1,500, depending on the type and location.
How much is blood work without insurance?
Basic blood tests can range from $100 to $1,000, depending on the tests ordered.
How much is STD testing at urgent care with insurance?
With insurance, STD testing at urgent care may cost between $20 and $100, depending on copays and the tests included.
How much is an allergy test with insurance?
Allergy tests may be fully covered by insurance, but costs can vary based on the specific plan and test type.
How much does Inspire sleep cost without insurance?
Without insurance, Inspire sleep therapy can cost around $20,000 to $30,000.
How much is levothyroxine without insurance?
Generic levothyroxine can cost between $10 and $30 per month without insurance.
Is cataract surgery covered by insurance?
Yes, cataract surgery is typically covered by Medicare and most private insurance plans.
Is vasectomy covered by insurance?
Yes, vasectomy is generally covered by insurance, but it’s advisable to confirm with your provider.
How much is a vasectomy without insurance?
Without insurance, a vasectomy can cost between $1,000 and $3,000.
How much is a tummy tuck with insurance?
Tummy tucks are usually considered cosmetic and are not covered by insurance.
Will insurance cover rhinoplasty?
Insurance may cover rhinoplasty if it’s deemed medically necessary, such as for breathing issues.
Can liposuction be covered by insurance?
Liposuction is typically considered cosmetic and is not covered by insurance.
Will insurance cover liposuction?
Generally, insurance does not cover liposuction unless it’s part of reconstructive surgery.
How much is amoxicillin without insurance?
Without insurance, a course of amoxicillin can cost between $10 and $30.
How much does an ambulance cost without insurance?
Ambulance services can range from $400 to $1,200 without insurance, depending on distance and services provided.
Does insurance cover rhinoplasty?
As mentioned, insurance may cover rhinoplasty if it’s medically necessary.
Does insurance cover labiaplasty?
Labiaplasty is typically considered cosmetic and is not covered by insurance.
Does insurance cover breast lift?
Breast lifts are generally cosmetic and not covered by insurance, unless part of reconstructive surgery.
How to get diastasis recti surgery covered by insurance?
Documenting medical necessity and obtaining a referral from a healthcare provider may help in getting insurance coverage.
Does insurance cover hair transplant?
Hair transplants are usually considered cosmetic and are not covered by insurance.
Does Blue Cross Blue Shield insurance cover weight loss surgery?
Blue Cross Blue Shield may cover weight loss surgery if specific medical criteria are met.
Does insurance cover teeth whitening?
Teeth whitening is typically considered cosmetic and is not covered by insurance.
Is teeth whitening covered by insurance?
As above, it’s generally not covered by insurance.

Life Insurance & Policies

Life Insurance Policies & Borrowing

Can you have more than one life insurance policy?
Yes, individuals can hold multiple life insurance policies, provided they can demonstrate insurable interest and meet underwriting requirements.
Can you borrow from life insurance?
Policyholders with permanent life insurance policies (e.g., whole or universal life) can borrow against the policy’s cash value.
How to borrow against life insurance?
Contact your insurance provider to request a loan against your policy’s cash value. Approval and terms depend on the policy’s specifics.
Can you borrow against term life insurance?
No, term life insurance policies do not accumulate cash value and therefore cannot be borrowed against.
How much can I borrow from my life insurance policy?
The loan amount is typically up to the available cash value, minus any outstanding loans or interest.
What type of life insurance are credit policies issued as?
Credit life insurance is usually issued as term life insurance, covering the outstanding balance of a loan in case of the borrower’s death.

Policy Features & Tax Implications

A renewable term life insurance policy can be renewed.
Yes, renewable term policies allow policyholders to renew coverage at the end of the term without additional medical underwriting.
What life insurance can you borrow from?
Permanent life insurance policies, such as whole life and universal life, allow borrowing against the accumulated cash value.
Does life insurance cover cancer?
Life insurance policies typically do not cover cancer treatment costs. However, if the insured person passes away due to cancer, the death benefit is usually paid to beneficiaries.
Do you get a 1099 for life insurance proceeds?
Generally, life insurance death benefits are not taxable and do not require a 1099 form. However, if interest is earned on the proceeds, that interest may be taxable.
A term life insurance policy matures.
Term life insurance policies do not mature; they expire at the end of the term unless renewed or converted to a permanent policy.
What does ‘level’ refer to in level term insurance?
‘Level’ refers to the death benefit and premiums remaining the same throughout the policy term.

Cultural & Policy Considerations

Is life insurance haram?
Traditional life insurance may be considered haram (forbidden) in Islam due to elements of uncertainty and gambling. However, Islamic-compliant alternatives, like Takaful, are available.
Which type of life insurance policy generates immediate cash value?
Whole life insurance policies begin accumulating cash value immediately, while universal life policies may take longer, depending on premium payments and interest rates.
Who elects the governing body of a mutual insurance company?
Policyholders of a mutual insurance company elect the governing body, typically through a voting process during annual meetings.

️ Renters & Property Insurance

Renters Insurance Coverage

Does renters insurance cover mold damage?
Coverage varies by provider. Some policies cover mold resulting from covered events like water damage, while others exclude mold entirely. Review your policy details to determine coverage.
Does renters insurance cover personal injury?
Yes, renters insurance typically includes liability coverage, which can cover medical expenses if someone is injured in your rented space.
Does renters insurance cover carpet damage?
If the carpet is damaged due to a covered event, such as a burst pipe, renters insurance may cover the repair or replacement costs.
Does renters insurance cover water leak damage?
Damage from sudden, accidental water leaks (e.g., burst pipes) is generally covered. However, damage from gradual leaks or lack of maintenance may not be covered.
Does renters insurance cover toilet overflow?
If a toilet overflow results from a sudden, accidental event, renters insurance may cover the damage. Negligence or failure to maintain plumbing may void coverage.
Does renters insurance cover wildfires?
Renters insurance typically covers damage from wildfires if the policy includes fire damage as a covered peril.
Does my renters insurance cover a storage unit?
Renters insurance often extends to personal belongings in storage units, but it’s essential to confirm coverage limits and any exclusions with your provider.

Liability Insurance Coverage

Does liability insurance cover theft?
Liability insurance generally does not cover theft of your own property. However, if you are held responsible for theft from another party, liability coverage may apply.
Does liability insurance cover hitting a deer?
Liability insurance typically does not cover vehicle damage from hitting a deer. Comprehensive auto insurance usually covers such incidents.
Does a branded title affect insurance?
Vehicles with branded titles (e.g., salvage or rebuilt) may face higher insurance premiums or limited coverage options due to perceived higher risk.

Homeowners and Condo Insurance Coverage

Does condo insurance cover water damage?
Condo insurance generally covers water damage from sudden, accidental incidents like burst pipes. Damage from flooding or sewer backups may require additional coverage.
Will my homeowners insurance cover preventative tree removal?
Homeowners insurance typically covers tree removal if the tree poses a hazard and has fallen due to a covered event. Preventative removal may not be covered.
Is a slab leak covered by insurance?
Coverage depends on the leak’s cause. Sudden, accidental leaks may be covered, but leaks from poor maintenance are often excluded. Review your policy for specifics.

Auto, Travel, & Misc Insurance

Gap Insurance

How much is gap insurance?
Gap insurance typically costs between $20 and $100 per year when added to an existing auto insurance policy.
How much is gap insurance per month?
This equates to approximately $2 to $8 per month.
How much does gap insurance cost?
Purchasing gap insurance through a dealership or lender can cost between $400 and $700 as a one-time fee.

Traffic Citations and Insurance

Does a traffic citation affect insurance?
Yes, traffic citations can lead to increased insurance premiums, especially if they result in points on your driving record.
What tickets don’t affect insurance?
Minor infractions, such as parking tickets, typically do not affect insurance rates.

Accidents and Insurance

How long does an accident stay on insurance?
Accidents usually remain on your insurance record for 3 to 5 years, depending on state laws and insurance company policies.
How much do insurance rates go up after an accident?
Rates can increase by 20% to 40% after an at-fault accident.
Do insurance companies cover parking lot accidents?
Yes, if you have collision coverage, parking lot accidents are typically covered.
Do insurance companies go after uninsured drivers?
Yes, insurers may pursue uninsured drivers for damages, especially if they are at fault.
How long will insurance pay for a rental car after an accident?
Coverage duration varies; typically, insurance will pay for a rental car for up to 30 days while your vehicle is being repaired.

Insurance Providers and Coverage

What insurance does Archwell Health accept?
Archwell Health accepts various insurance plans; it’s best to contact them directly or visit their website for a list of accepted providers.
How much is insurance on a Tesla?
Insurance for a Tesla averages between $2,000 and $4,000 per year, depending on the model and coverage.
How much is builder’s risk insurance?
Builder’s risk insurance costs vary but typically range from $1,000 to $3,000 per year, depending on the project size and location.
Who pays for builder’s risk insurance?
The property owner or general contractor usually pays for builder’s risk insurance.
Who pays for owner’s title insurance?
In many states, the seller pays for the owner’s title insurance, but this can vary by location and negotiation.

Regional Insurance Costs

Why is Rhode Island car insurance so expensive?
High insurance costs in Rhode Island are due to factors like dense population, high accident rates, and costly repair expenses.
Why is Erie insurance so cheap?
Erie Insurance offers competitive rates due to its regional focus, efficient claims processing, and strong customer service.

Motorcycle and Home-Based Business Insurance

Do you have to have motorcycle insurance in Florida?
Yes, Florida law requires all motorcycle riders to have at least $10,000 in medical benefits coverage.
Do I need insurance to sell baked goods from home?
Yes, you may need liability insurance and a cottage food license, depending on state and local regulations.

Travel Insurance

Can I add someone to my travel insurance?
Yes, most travel insurance policies allow you to add additional travelers, often for an extra premium.

Urgent & General Care / Clinics

Urgent Care and Insurance Coverage

Does urgent care take insurance?
Yes, most urgent care centers accept a variety of insurance plans, including major providers like Aetna, Anthem, UnitedHealthcare, and Medicare. It’s advisable to contact the specific urgent care facility to confirm if your insurance is accepted.
Does urgent care bill you later with insurance?
Typically, urgent care centers will bill your insurance directly. However, depending on your plan and deductible, you may be responsible for a copayment or coinsurance at the time of service.

STD Testing at Urgent Care

How much is STD testing at urgent care with insurance?
For insured patients, STD testing at urgent care centers is often covered, especially if it’s deemed medically necessary. Costs may include a copayment or coinsurance, depending on your insurance plan.
How much is STD testing at urgent care without insurance?
Without insurance, STD testing costs can range from $100 to $400, depending on the facility and the number of tests performed. Some clinics offer sliding scale fees or payment plans for uninsured patients.

Ambulance Costs Without Insurance

How much does an ambulance cost without insurance?
Ambulance services can be expensive without insurance, with costs ranging from $400 to $1,200 or more, depending on the distance, services provided, and region. It’s advisable to inquire about costs beforehand if possible.

Insurance Policy & Technical Questions

What is twisting in insurance?
Twisting refers to the unethical practice where an insurance agent persuades a policyholder to replace their existing insurance policy with a new one, often from a different insurer, based on misleading or false information. The new policy typically offers similar or inferior benefits, and the primary beneficiary is the agent, who earns a commission from the sale. This practice is illegal in many jurisdictions.
What is workers’ compensation insurance?
Workers’ compensation insurance provides financial and medical benefits to employees who suffer work-related injuries or illnesses. It covers medical expenses, a portion of lost wages, rehabilitation costs, and death benefits to dependents in case of a fatality.
What makes an insurance policy a unilateral contract?
An insurance policy is considered a unilateral contract because only the insurer makes a legally enforceable promise. Upon the payment of premiums, the insurer promises to pay for covered losses, while the policyholder’s obligations are conditional, based on the occurrence of specified events.
What does ‘insurance loss reported’ mean?
‘Insurance loss reported’ indicates that an incident has occurred, and a claim has been filed with the insurance company. The insurer will assess the claim to determine coverage and the amount payable.
What is a policy number on an insurance card?
The policy number is a unique identifier assigned to your insurance policy. It is used by the insurance company to track your coverage details, claims, and billing information.
Where to find the policy number on an insurance card?
The policy number is typically located at the top or bottom of your insurance card, often near your name and the insurance company’s contact information.
Who is responsible for assembling the policy forms for insureds?
The insurance company is responsible for preparing and providing policy forms to the insured. Agents or brokers may assist in explaining the forms but do not create them.
Who pays health insurance while on long-term disability?
During long-term disability, health insurance coverage continuation depends on the employer’s policies. Some employers continue to provide health insurance benefits, while others may require the employee to pay premiums or may offer COBRA continuation coverage.
What is group accident insurance?
Group accident insurance is a policy that provides benefits to members of a group (such as employees of a company) in the event of accidental injuries. It typically covers medical expenses, accidental death, and dismemberment benefits.
How do insurance agents get paid?
Insurance agents are primarily compensated through commissions, which are a percentage of the premiums paid by policyholders. Some agents may also receive bonuses or incentives based on sales performance.
How much do insurance brokers make?
Insurance brokers’ earnings vary widely based on experience, location, and the types of insurance they sell. Earnings can range from a modest income to six figures, with commissions and fees influencing total compensation.
How to increase insurance agent productivity?
Increasing productivity can be achieved by utilizing customer relationship management (CRM) tools, streamlining administrative processes, engaging in continuous education, setting clear goals, and focusing on high-value activities.
Are insurance companies open on Presidents’ Day?
Many insurance companies operate during regular business hours on Presidents’ Day, but it’s advisable to check with your specific provider, as some may have altered hours or closures.
Can I refuse a home insurance inspection?
While you can refuse a home insurance inspection, doing so may result in higher premiums or denial of coverage, as insurers use inspections to assess risk accurately.
What happens when you reject an insurance settlement offer?
Rejecting a settlement offer means the claim remains unresolved. You may need to negotiate further, provide additional evidence, or consider legal action if necessary.
What happens if you don’t use insurance money for repairs?
If insurance funds are provided for repairs and you choose not to use them, you may be required to repay the amount, or your coverage could be adjusted accordingly.
Is title insurance a waste of money?
Title insurance protects against unforeseen issues with property ownership. While it involves a one-time cost, it can save significant amounts by covering legal fees and losses from title disputes.
Is my money in the Alpaca platform insured?
Alpaca is a commission-free stock trading platform. Cash balances may be insured up to certain limits by the Securities Investor Protection Corporation (SIPC). It’s advisable to review Alpaca’s specific policies and terms for detailed information.