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Karla Flores

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Can I Get Paid As a Caregiver For a Family Member?

November 5, 2025 By Insurance Experts

Testimonials for Karla Flores and the InsuranceExperts.team“One in five adults in the U.S. — about 53 million people — are caregivers who provide support for a relative or friend with an illness or disability. Many do so without financial compensation. The National Alliance for Caregiving and AARP published a lengthy report on unpaid family caregivers in the U.S. — Caregiving in the U.S.: 2020 Report — based on data collected in 2019. Family caregivers are defined as people who have assisted children with special needs or adults at some point in the last 12 months.”

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Filed Under: Health Insurance, Medical Costs

Uninsured vs. Underinsured: What’s the Difference?

August 21, 2025 By Insurance Experts

“When it comes to health insurance, it’s easy to know if you’re uninsured: you either have coverage, or you don’t. But being underinsured is more of a gray area. You have health insurance, but because of a high deductible or other out-of-pocket costs, it doesn’t cover as much as you might need. Your income may not be high enough to offset the coverage gaps. 

Below, we break down what counts as being underinsured, the financial risks involved, and options if you find yourself in that position.”

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Filed Under: Health Insurance

Older Americans say they feel trapped in Medicare Advantage plans

August 14, 2025 By Insurance Experts

In 2016, Richard Timmins went to a free informational seminar to learn more about Medicare coverage.

“I listened to the insurance agent, and basically, he really promoted Medicare Advantage,” Timmins says. The agent described less expensive and broader coverage offered by the plans, which are funded largely by the government but administered by private insurance companies.

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Filed Under: Health Insurance

‘Not Accountable to Anyone’: As Insurers Issue Denials, Some Patients Run Out of Options

July 31, 2025 By Insurance Experts

By the time Eric Tennant was diagnosed in 2023 with a rare cancer of the bile ducts, the disease had spread to his bones. He weighed 97 pounds and wasn’t expected to survive a year with stage 4 cancer.

Two years later, grueling rounds of chemotherapy have slowed the cancer’s progress, even as it has continued to spread. But chemotherapy has also ravaged Tennant’s body and his quality of life.

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Filed Under: Health Insurance

Have Job-Based Health Coverage at 65? You May Still Want To Sign Up for Medicare

July 24, 2025 By Insurance Experts

“When Alyne Diamond fell off a horse in August 2023 and broke her back, her employer-based health plan through UnitedHealthcare covered her emergency care in Aspen, Colorado. It also covered related pain management and physical therapy after she returned home to New York City. The bills totaled more than $100,000.”

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Filed Under: Health Insurance

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