Insurance Archive

Reason for Lack of Insurance Insurance companies and employment contracts influence why many lack health care. Once a visit to a doctor’s office was cost effective for a family, and than health insurance became an …

There is power in choice. However, being able to use this power to your own benefit is only possible if you have the requisite knowledge and wisdom. Choosing among health insurance plans is necessary, since …

The only thing I hate more than going to the dentist is paying the bill. At least it’s covered by insurance, or is it? It turns out that your coverage depends on the quality of …

The basic principle behind insurance is that an individual gives money to a company that promises to cover any losses that you incur. A homeowner purchases insurance for a house in case it incurs any …

When selecting a health plan there are three major areas of consideration. Coverage, cost and personal circumstance. COVERAGE There are two types of manged care plans that most people choose from, HMO and PPO. Health …

It has become standard procedure for employers to place waiting periods on enrollment into their company’s group health insurance plan. These waiting periods can range from 30 days to 6 months, but are most commonly …

Universal health care will hurt the poor and the middle class while doing little to change the care afforded to the elite. High levels of health care at all levels are not realistically sustainable by …

Unforeseen accidents are a part of everyday life. At home, at work, on the playground we are at risk of getting into an accident, having something stolen or being struck by an uncontrollable misfortune like …

A landlord’s property insurance covers only the physical structure, not the building’s contents, so renters need to protect their belongings with renter’s insurance. Some renters feel they don’t have anything of real value to insure, …

If you are one of the 46.6 million Americans that have joined the ranks of the uninsured, what you may not know is that you may have to pay more for your medical treatment than …

If each month you have to pay a lot for your car insurance, it may be time to negotiate a better insurance price from your insurance company or change your insurance provider. Nowadays, many car …

On understanding identity theft brings up the question, “Identity theft, what is that?” At this point in time, unless a person is actively involved with the Internet, he or she may not know what identity …

It is necessary to have an understanding of the difference between Medicare and Medigap in order to know when you do need to get Medigap insurance. The terminology refers to the “gaps” in Medicare services …

Looking for life insurance is one task that a lot of people don’t look forward to. Facing the fact that someday you may not be around is a hard pill to swallow for most of …

My association with USAA spans a twenty-five year period. Through that time, involving all types of insurance situations, I have enjoyed nothing less than superior customer care. Extending from the bottom of the organization to …

Health care in the United States, based on news media reports, makes up nearly one-fifth of our nation’s Gross National Product. This huge cost has been paid for by employers who contribute toward health insurance …

In a struggling economy, people are looking for ways to cut expenses and save money.  One of the easiest places to start cutting expenses is your car insurance.  Do some research, and learn the ins …

The terminology of business insurance is often difficult for policyholders to understand. Two of the terms used in such policies that are often a source of confusion are claims made and occurrence. A claims made …

The key to finding the right health insurance is to find coverage that is appropriate to your needs. Not all health insurance plans are created equal, and not all plans are right for everyone. Some …

Recently my husband and I lost our insurance due to the fact that he retired early.It was bad enough when he was still with the union and was paying out almost $2,000.00 every month to …

The Impact of the Stimulus Package on COBRA For the millions of people laid-off from jobs; finding another job, feeding themselves and their family, and paying bills are major concerns. However, another primary concern is …

Critical illness is an insurance product, similar to life insurance except that it pays when the life assured is diagnosed of any one of the critical illnesses stipulated in the policy. The purpose of a …

Recently Medicare Advantage plans have becoming more popular. The plans are offering more benefits and saving seniors more money on their health care costs. However, like all new products or services, Medicare Advantage plans do …

HMO or PPO: what is the difference? Actually there are several differences; depending on where you live and what health benefits you want you will need to determine which is best for you. HMO: this …

Buying life insurance for the first time is easy. Here are four simple steps to buy a life insurance policy. 1. Determine who will be the beneficiary of the life insurance policy. You need a …

Most of us dread paying our auto insurance premium each month. We know that it is an important policy, but don’t understand why our rates seem to go up, and up, and up. Here are …

Saving Money or Medicaid/Medicare At this point, thank heaven, my income is high enough that I do not qualify for Medicaid. My mother did and it simply “took over” and paid everything that Medicare and …

In a time when more miracle drugs are available to people, the price of medication has soared beyond the financial reach of those who need them most. When the public outcry reached new levels in …

Many people mistakenly think that renters insurance and condo owners insurance are one in the same, however the differences between them are important to understand to ensure a proper fit in an individual’s living situation. …

Renters often think that because the landlord has insurance on the home or apartment building, the possessions they have in the apartment are covered under this insurance. Many find out too late that this is …