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If you stay meticulously organized and use the right digital tools, you can stand up, protect your hard-earned money, and stop letting the slackers ride roughshod over you

HB 2515 Requires health insurance companies to count any money paid on behalf of a covered person toward their out-of-pocket maximums or cost-sharing requirements effectively allowing consumers to use coupons or other discounts for drugs, but still have the full cost applied to their out-of-pocket maximum or deductibles

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While homeowners can handle basic upkeep, such as changing filters and keeping the area clean, professional inspections are important for uncovering hidden problems