Home warranty plans are special service contracts that cover the cost of repairing or replacing major home appliances. These plans can be purchased directly from a home warranty company to provide an extra layer of financial protection and the convenience of connecting with affiliated contractors to fix problems promptly. Unlike a homeowner’s insurance and the manufacturer’s warranties, home warranty plans cover system and appliance malfunctions that do not fall under any of the other categories. What does a home warranty plan cover? Coverage for home warranty plans differs greatly from one plan to the next. Generally, they include wear and tear of HVAC systems, plumbing systems, electrical systems, refrigerators, dishwashers, washers, dryers, ovens, stoves, garbage disposal, water heaters, etc. However, home warranty plans may not cover things that are already covered by manufacturer’s warranties. What is the process of filing a home warranty claim? Here’s the process of filing a home warranty claim in case of an appliance malfunction or breakdown: 1. Check the coverage Since every home warranty plan is different, one needs to be aware of exactly what is covered. In every service contract, this information is listed under the coverage overview, which describes what the warranty will address, how, and what is excluded from coverage.

When discussing home improvement projects that ensure higher returns, the focus often drifts to major changes like patio building, back grade upgrading, bathroom upscaling, renovations, decor, or structural improvements. However, enhancing appliances is another salient feature that can hike the property price. Home appliances are some of the most used items in a house, and ensuring they are modern, efficient, highly functional, and up-to-date can fetch a higher return on investment (ROI). Home appliance improvement projects that offer higher ROI Energy-efficient appliances Energy efficiency is a must in today’s world. Most home buyers are environmentally conscious and aware of their energy consumption. Data shows that electrical appliances, on average, consume around 14% of the total energy usage of a house. This includes stoves, ovens, refrigerators, dryers, and water heaters. Appliances that use energy efficiency also reduce utility bills and overall carbon footprint. These can include refrigerators, washing machines, and dishwashers. The easiest way to recognize an energy-efficient appliance is to look for the ENERGY STAR label. Choosing these certified appliances can be an attractive feature for eco-conscious homeowners. Smart thermostats Smart thermostats are intelligent temperature control systems where the thermostat recognizes homeowners’ overall heating and cooling preferences and adjusts the temperature accordingly.

Medicare is a federal health insurance program for people with certain disabilities and people over 65. Original Medicare has two main parts: Part A, which covers the cost of inpatient services, and Part B, which covers the cost of outpatient services and certain medical equipment. Although the program is meant to ease the financial burden of medical costs on people, it can be quite complex to navigate. This article explores 11 things that are excluded from Medicare coverage. 1. Medically unreasonable services and supplies Any services and supplies deemed unnecessary or unreasonable for diagnosis or treatment are not covered by Medicare. These may include: Services that could have been furnished at a lower-cost setting (such as at a nursing home) Services that exceed Medicare length of stay limitations Excessive therapy or diagnostic procedures Unrelated screenings, tests, examinations, or therapies (that the patient has no symptoms for) Unnecessary services based on patient diagnosis, such as transcendental meditation Exceptions to this rule include Medicare preventive services, transitional care management, chronic care management, and advance care planning. 2. Opticians and eye exams While Medicare covers ophthalmologic expenses (such as cataract surgery), it does not cover the cost of most vision services, including eyeglasses and contact lenses or routine examinations for prescription and fitting.