What is your Zip Code
Are you currently insured?
Yes No
How many people are being insured?

Monday, August 31, 2009

Cheaper Individual Health Care Insurance -- Advice For Lower Rates


17% of the American population does not have any form of health insurance. This report can be relieable because it is from the U.S Census Bureau. It is important to point out that group health plans are the reason why a high pecentage of these few who have health insurance can pay for it.

This becomes a serious issue as this suggests that a larger number of Americans might be without health due to the withdrawal of group health insurance by many employers. The increasing cost of health care is the reason for this situation.

The only way left for the majority who would want to have a health insurance coverage would be to get individual health insurance. This means that, it will be a welcome development for such people if they can learn ways of bringing down such health insurance cost by a huge margin.. Hopefully, this write -up will uncover proven ways to save on health insurance...

1. Smoking will always attract expensive individual health insurance rates. Smokers are more prone to die untimely and are also more likely to have many harmful diseases.

If smoking results to certain health conditions, then it makes an individual a high risk and that calls for higher rates. If you can abstain from smoking you will attract rates that are considerably more affordable when you reapply after 12 months.

2. That excess weight is costing you more in health insurance. Your BMI or Body Mass Index is a very serious factor used to calculate your risk to a health insurance carrier.

A high BMI will always attract an expensive rate all other things being equal. You're overweight for your height and sex if your Body Mass Index is high. And don't think that you'll get savings only when you lose fifty pounds, just losing a few pounds will get you lower rates once it reduces your Body Mass Index rating.

3. It is now commonly known that smoking will attract higher rates. What people might not appreciate is that this is also true if you use any other type of tobacco product. Individuals who snuff or chew tobacco will also attract higher rates than those who don't

Steering off all tobacco products will help you get less expense in individual health insurance.

4. Believe it or not, the way you drive can have a negetive effect on your health insurance rate. Being convicted of traffic offences is not only bad for your auto insurance rate it also has an effect on your health insurance rates. This is because you will become a worse risk to your insurer.

You will reduce your costs if you cultivate a the right attitude behind wheels. Extra powerful automobiles like fast muscle cars and super bikes will make you pay a more expensive health insurance rate. This is because they will more easily make you need medical attention because they have a higher risk of accidents.
Get Health Insurance Quotes, Compare Plans And Save Much Now!
Get Quick Free NO-Obligation Quotes Now And Save!

Sunday, August 30, 2009

Affordable Individual Health Insurance -- Make Sure You Read The Following Tips


Do you want to pay less? Then you need to commit some time to learn the things you'd have to do to reach your goal. I've got enough suggestions to help the greater majority make savings of over 50% on insurance...

1. There are drugs that are popular. If you buy name brand drugs, your cost will be more. But are you aware that all generic drugs are expected by law to have the exact same measure of active ingredients as brand name drugs? The inactive ingredients are the only dissimilarities between generic drugs and brand names.

The truth then is that you only spend more when you buy a big brand name drug and do NOT get anything more in value. However, check this with your doctor before making this decision.

2. You'll be given more affordable individual health insurance rates if you make your payments by Electronic Funds Transfer (EFT). This just means your insurer takes your premiums automatically from your account each month without sending you payment notices. This saves your insurer in many ways such as removing the cost of mailing payment notices and the expense of processing checks. Your premium is therefore lowered to reflect the cheaper cost of providing insurance to you.

3. For those who have a health condition that makes it hard or too expensive for them to find private personal health insurance coverage, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance would provide a more affordable alternative.

4. There is a unique kind of savings account known as the Flexible Spending Account. This type of account is meant for you to save tax-free dollars mainly for your health needs. The good thing about this account is that it allows you to carry over the money unused into another year tax free. With this you can eventually have a substantial amount to meet your health needs.

5. In most cases, your regular medical check ups would not cost you a dime more because most individual health insurance plans wouuld probably include up to two complimentary medical check ups for you annually.

In case you want to know why this results in lower rates, here it is...

Treating a disease at its early stage is much more cheaper than doing so when it is already full-blown. This means that your health insurance provider will spend less to take care of you if health conditions are spotted early.

Consequently they give you lower individual health insurance rates for helping them save.

Get Health Insurance Quotes, Compare Plans And Save Much Now!
Get Quick Free NO-Obligation Quotes Now And Save!

Saturday, August 29, 2009

Affordable Individual Health Insurance: Ways To Cut Rates


There are many options open to anyone who plans to enjoy low cost individual health insurance. But at the same time, some options folks employ in order to reduce cost actually make them get less than sufficient coverage. This is, nevertheless, not the case with the tips I'll share with you in this article as you'll save while you maintain sufficient coverage....

1. Those whose professions expose to hazards get more expensive individual health insurance premiums. Switching to a non-hazardous vocation will reduce your rate by a good margin. Since a salesperson in a a bookshop isn't exposed to any health risks like a nuclear plant staff, he or she would get less expensive rates.

2. The amount you're prepared to contribute to payments for each visit to a doctor has an effect your rate. This is what is called your co-pay for those who don't know already. Raising your co-pay brings down your rates. You're seriously encouraged to choose a high co-pay if you visit the doctor only once in a very long while.

3. Group plans are more affordable than individual plans. So for those who have the privilege of using a group plan, it presents an the avenue to pay far less than otherwise.. This should be of special interest to elderly individuals, smokers or obese individuals who typically have to pay high rates.

A group plan will help you make considerable savings if you have a medical condition that makes individual health insurance either too expensive or tough to come by. A group plan is an easy way to lower your rate without compromising the quality of coverage you get.

4. A cheap individual health insurance premium is good, however, be certain that you don't get blinded by focusing on it. You have to avoid a cheap quote that does not give you a good value to price ratio. If the cheapest price includes all that is of value to you, then choose it. But be ready to pay slightly more if required to buy the right coverage for you.

5. Deciding to be flexible in the choice of doctors and health care facilities you can use will lead to cheaper rates. This is because you may have to restrict yourself to doctors and hospitals in a specific network for you to get very cheap rates. This might imply that you'll have to part with your favorite health care provider.

Although you're advised to be flexible, be certain that you also get what will serve your best interest ultimately.

Get Health Insurance Quotes, Compare Plans And Save Much Now!
Get Quick Free NO-Obligation Quotes Now And Save!

Friday, August 28, 2009

Low Cost Individual Health Insurance -- Steps You Can Take To Attract It


How far have you gone in ensuring you attract very affordable individual health insurance rates? Did you just stop at the few recommendations you got then? Won't you like to get more tips if that will imply more massive savings? Then check if you've thought of these...

1. You'll save by having your kids insured through state plans. There are normally eligibility requirements.

But check if you are eligible as this will cost you nothing or close to nothing in most cases. If you have a kid with a special ailment, you will save much if you insure such a kid through a state plan.

2. Even though a good number of individuals have realized that smoking increases their individual health insurance rates, they may not know that the same is also true if they use other tobacco products. For example, you will attract a higher premium if you chew or snuff tobacco.

So for your health and lower rates, stop using any tobacco product.

3. Go for free clinics if you want to lower your spend. They will either lower your co-payments or premium entirely. Such free clinics will cater for simple things like providing you with medical advice, blood pressure checks and much more. Clinics like these are generally some form of community service.

4. That extra weight is costing you more in health insurance. An insured's Body Mass Index (BMI) is a serious factor that determines how much a person pays as rate.

A high BMI will always get a high premium all other things being equal. You're overweight for your height and sex if your Body Mass Index is high. Now don't wait until when you can lose 30 pounds because losing as little as 5 pounds can reduce your BMI rating which leads to more affordable rates.

5. You can lower your rates by buying prescriptions online. You can also get lower prices if you buy by phone. Drugs are cheaper online because the cost of running a business is remarkably lower with the internet. Howbeit, you'll do well to check the company you're buying from so you don't endanger yourself. It is very easy to do this by checking a resource like BBB.

This is quite very important as you won't want to endanger your life all in the name of making savings.

Get Health Insurance Quotes, Compare Plans And Save Much Now!
Get Quick Free NO-Obligation Quotes Now And Save!

Thursday, August 27, 2009

Cheap Individual Health Care Insurance -- Advice For Lower Rates


A report shows that not up to 2 out of every ten Americans have health insurance coverage of any type. This report can be relieable because it was released from the American Census Bureau. In addition, a good number of people who have any type of coverage can pay for it only because of group health plans.

This, regrettably, may soon history as many businesses might soon remove group health insurance from their employment packages as they are becoming quite a strain on their businesses. The increasing cost of health care is responsible for this situation.

This suggests that for most individuals to have any kind of health insurance, they would have to fend for themselves. The necessity, therefore, of knowing how to get more affordable health insurance premiums can't be overemphasized. It is my hope that this write -up will make you know time-tested saving tips on health insurance...

1. Smoking will always attract expensive individual health insurance rates. It's not debatable that smoking is the leading cause of cancer and other terminal diseases.

If smoking causes specific health problems, then it makes a person a high risk and that calls for higher rates. Once you quit smoking for about twelve months tell your current insurer or reapply to some other insurer and you'll experience a considerable slash in your rates.

2. That excess weight will make you spend more in health insurance. An insured's Body Mass Index (BMI) is a serious factor that determines what a person pays as rate.

If your Body Mass Index rating is high, your premium will be expensive. If your Body Mass Index rating is high it simply means that your weight is too much for your height. Now don't postpone it for when you can lose thirty pounds since shedding as little as five pounds can drop you into a lower Body Mass Index rating which will result in more affordable rates.

3. Using tobacco in any form will increase your rates. Those who snuff or chew tobacco will also attract higher rates than people who don't

Therefore, you'll help yourself attract lower individual health insurance rates if you stay away from tobacco use in any form.

4. If you drive recklessly then expect to pay higher health insurance rates. Being convicted of traffic offences isn't only bad for your auto insurance rate it also has an effect on your health insurance premium. The simple reason is that if you are such a driver, you'll more probably require medical attention for injuries than a very careful driver.

Improving your driving history and developing a good driving culture will reduce your premium. If you drive a fast muscle car or power bike, you'll likely pay much more for health insurance. This is because they are more likely to make you need medical attention because they have a higher risk of accidents.
Get Health Insurance Quotes, Compare Plans And Save Much Now!
Get Quick Free NO-Obligation Quotes Now And Save!

Saturday, August 8, 2009

How To Get A Cheap Health Insurance Plan

By Paul Stevens

The health insurance industry does not want to tell people, but it is a fact that different companies specialize in proving the cheapest prices for different demographics in the marketplace. What I mean is, that if you just get one or two quotes then you might not be targeting the right companies for the exact type of insurance that you need. Each company is different and depending on different factors such as age or lifestyle, their prices will go up or down compared to industry averages.

It is complex and you either need to work in the industry, or be absolutely clued up to what is going on to know what you are going to get from each different company that is advertising policies to you.

So, what can you do then?

The answer to that question, thankfully is a lot easier. To get cheap health care you simply find all the providers and then get quotes from as many of them as you can. that way you are very likely to get good deals.

The thing is though to actually find all of these different companies is a bit of a feat in itself. Imagine how difficult it would be even with the internet starting from scratch to make sure you had all of them.

Even if you were to go through the process, it would still take a ridiculously long time to finish it all.

That is why the best way to make sure you find the cheapest deals is by using a comparison website to get online health insurance quotes. These are simple independent websites that collate and collect all the providers in each state and allow you to get multiple quotes for the type of insurance you want.

However, a quick word of warning. When you use one of these sites make sure that it is a completely independent one. there are many around but a lot are tied to a particular provider and won't give you all of the options.

About the Author:

Low Cost Medical Insurance Can Be Found Online

By Clarissa Winegarten

Health prices have increased significantly over the previous years and the low cost medical insurance is a thing that you need especially if you are a middle class family which can't afford to pay for health services in the situation of most important illness or accidents. You should worry because illness might sometimes be inevitable and you can't avoid it.

A good choice in this case should be choosing a medical insurance for your whole family. The price for a health insurance plan can be quite high and you need to think twice before buying such a policy. After all, you will not take any benefit of that unless you or one of the family members are injured or ill. The best way to deal with the problem is shopping a good mix of coverage and cost.

At first you should verify if there is government assistant programs available or other things similar to this, particularly if you are aged or deprived, because there are services like Medicare or Medicaid to lend a hand on you.

If you recognize the various options and the cost and facilities associated with it, you will be able to draw the right conclusion which obviously can only result in a decrease of the cost of your medical insurance.

Doing some research on the Internet might offer you this kind of knowledge. There a lot of sites that may provide you comparative data about medical insurance plans, which you need to carefully read before purchasing a suitable health insurance. You need to research the agent you are proposing the deal as well as the company he represents.

Some of the methods for obtaining low cost medical insurance are paying premiums annually, regularly reviewing your policy and making use of group plans that may reduce the medical insurance costs.

About the Author:

Finding Quotes For Health Insurance

By Clarissa Winegarten

One can find plenty of insurance plans in the market offered at different rates and under different conditions and he ends up totally confused. People often find it very difficult to find the right health insurance quotes, those that would cover all their requirements.

You can save a lot of money from the health insurance plans. There are thousands of people, who don't have coverage from an employer have to take out a health insurance policy. So they run after insurers to get them covered under some kind of health insurance policy.

Health insurance plans save you a lot of money. Any one who realizes this fact would have a competent insurance plan covering not just for him but his entire family. In order to find the one that is fulfilling all your requirements you have to shop around for health insurance quotes and also need to shell out some hard earned money.

As a first step you could look for insurance companies listed in your local telephone directory. It would be worthwhile to pay them a visit. In order to get quotes from them they will expect you to fill in some basic information. Do not make a decision on the first quote. Wait till you get more quotes from similar companies.

Try to find others, who are health insurance holders and get a list of companies from them, this is another source of getting quotes. You could also approach your office colleagues or business partners for any information related to these companies.

The best source would be the Internet where countless insurance companies are registered to promote their plans. A quick search would yield quite a number of feasible quotes. They help in easier decision making.

About the Author:

Information On Group Medical Insurance Plans

By Caressa Waechter

Medical insurance is essential if you want the peace of mind of knowing that should you get ill you will get the best medical treatment. Without medical insurance many people find that they are unable to pay for vital treatment. With this in mind many people choose to opt in to an insurance plan. Some workplaces offer group medical insurance plans, which are a fantastic way of being insured, but at a reduced rate.

People who choose to join group medical insurance plans through their employer will typically have to pay much less for their insurance. Some workplaces will even offer medical insurance for free for all of their employees. This means that you can benefit from medical insurance without even having to pay a premium.

Certain employers will only offer this type of medical insurance at particular times of the year. So if you want to benefit from it you will need to sign up during one of these periods. Otherwise you will have to wait until the next enrollment period.

Anyone with a family will be pleased to know that they can add family members to their medical insurance plan. You will be expected to pay for family members, but you will get this much cheaper than you would expect.

If you are interested in group medical insurance plans you will want to know what you can claim for. Normally a person can claim to things such as, medical treatments, any time spent in hospital and even dentist bills.

So if you are offered the chance to join a group medical insurance plan it makes sense to do so. Failure to do this can mean huge medical bills should you have an accident or fall ill.

About the Author:

Six Things Your Ma Failed to Tell You About LTCi Quotes.

By Tim Conlee

When looking at a long-term care insurance quote, there are many factors which can determine the cost to you. This article will give you six critical points you need to consider when looking at a ltci quote. A lot of this is determined by kind of benefits you need, your age, and which company you want to work with. This will enable you to be an enlightened customer when buying this insurance product.

Looking at long-term care insurance quotes, what you need your policy to incorporate and when you receive your policy will cause changes in the quotes you will receive. This article will give you more information about what companies you need to look for among other factors.

The sorts of benefits you receive will help identify your cost of long term care. These types of benefits can include whether you may receive in-home services, care at a retirement home or from services based in your community.

Your age is going to pinpoint the value of the policy. If you are younger and purchasing a policy, you will surely receive a lower premium.

You will need to take a look at different sorts of companies. Your employer may be ready to offer this type of insurance or you may want to have a look at individual companies.

Your quote can be crew upon how you would like benefits to be paid out. Some policies allow you to spend a certain maximum in whatever way you want while others supply a maximum based on a daily, weekly, or monthly time frame.

The age at which you can begin to use your benefits will be a question that an insurance agent will ask you.

You will want to consider what type of daily benefits you'll receive. Your quote will be higher when you would like higher daily benefits.

Hopefully this has given you good info per long-term care insurance quotes. More information is always better so that you have an idea what to expect and you can have settled on what you need out of your policy.

About the Author:

Don't Be Mislead by'Instant Quote' LTC Insurance Website

By Neil Gholson

What is the deal with the instant LTC insurance quotes that are all over the net. Lets take a closer.

There are many selections on how we search for info today. Not only do we have resource libraries, and media viewpoints, but we now have the greatest source of all. A completely unlimited resource that doesn't care about politics, or media opinions, or the flavor of the day. It is the information road, the internet! With the likes of search engines like Google, and Yahoo at our awfully finger tips it's totally simply to do a fast search on virtually any topic in question. Unfortunately, like the forebears before the Net, some things can be manipulated to fool the average buyer. Let's take a basic search for Long Term Care Insurance. Oh my, millions and millions of hits, now what?? Well as purchasers, we think all we need is a price and then just pick the best one, infrequently possibly, but not in the case of long term care insurance. One price does not fit every American's investigation on the internet search engines.For example, let's assume we've got a married couple in their late 50's in fairly good health. They eat right and take care of themselves physically. Simple right, any product for long term Care Insurance, not really. There are way to many variables. There's absolutely no way this couple could get a fair and honest shake from a site that guarantees an instant quote.

There are always three basic drivers of a long term care insurance plan that determines what company, product, and size of plan one needs, health, age and finances.

Health decides the best company to utilize, age determines what product is best suited for you, and finances determines size of plans you can nicely afford. Instant long term care insurance quotes websites may be ready to go thru a short list of health questions about a site to work out if you are even remotely eligible, but that's's it.

Then there are medications, doses , outstanding surgeries, and other controlled conditions that might make a difference to an insurance company.

Age is straightforward enough, but some carriers offer better rates at certain ages than others.

Finances are a particularly unlikely topic to inadvertently display for who knows who, so that is's out too.

Now, I'm sure this is beginning to make complete sense. Only if I had never taken any medicines, known exactly what company and plan I will afford, then I could potentially get an immediate Quote from the internet.

The bottom line, you want an expert in this field to make suggestions about your future needs. Your stock broker, fiscal planner, tax accountant, counsel know little more about long term care insurance, apart from they know you need it. That is still more than these instant long term care insurance quotes websites. Ask an expert that makes a speciality of long term care insurance and represents many companies. They are out there, don't trust the protection of your assets and selections in your care to anybody other than a real expert. Some sites are good, and your name goes to an approved agent in your state who is an expert in long term care insurance, as well as partnerships, LTCi tax laws and other local situations. Get as much information as practical so you can make an educated decision on your long term care insurance plan.

A lot of these sites will give you low quotes to get you signed up and in the door, but just wait for your first real quote from them. Talk about sticker shock! All you would have acheived is elevated blood pressure and a waste of time. Something this is important is worth doing right the 1st time around.

About the Author:

Friday, August 7, 2009

Planning For long-term Health Care

By Buck Colefield

The future is doubtful and anything can occur. You may live a long and active life, only to die at the age of 102 while you are out on your daily jog, or you may suffer from a stroke at the age of 62 and require long term care to help you do your daily activities. As a result, you need to start planning for long-term medicare to guarantee you don't be afflicted by an unexpected event that could leave you as a financial burden on your family.

Planning for long-term medicare comes down to 2 factors : savings and insurance. If you have got a big savings, you'll be able to use it as a cushion while you get long term care insurance to help pay your costs, without dipping into your savings too much. When you get long-term care insurance, you may be paying the premiums for several years before you start to consider collecting benefits on it, but when you do you will have an excellent monthly income which will leave your savings untouched.

You may have $50,000 saved up in the bank, or even more, but when you allow for all your costs, especially the fact it can costs $5,000 a month to stay in a care home, your $50,000 vanishes after only 10 months. If you have $500,000 saved up, then your savings will cover you for about eight years, but if you are 62 when you suffer from a stroke that leaves you in need of daily care for 10 years, you are two years too short. However, if you've a plan that pays you $2,000 a month, you are able to increase your ability to pay for your nursing home and your home care by an another five years. That comes from only paying $40 a month or more into your premium!

It is incredibly important to start planning for long term medicare because when you're young, your premiums will be much less than when you are older. As well, almost 50% of all people who collect on long term care insurance plans are folk below retirement age. Accidents can occur and you don't want to be a burden on your family when you were an asset before. Planning your long-term medical care through long term care insurance schemes implies that won't happen and you may receive the care you need, while your family does not have to luck out financially.

Conclusion long term health care needs can happen to anyone, from the earliest age to the oldest. To ensure that you are able to afford the heavy costs of nursing and home care, you will need to start planning your long-term health care. This is done through getting long-term care insurance plans that will give you the cushion you must enjoy life in a retirement home, without having to worry about your finances. Savings will run out eventually, so you need to prolong them so long as you can by planning your long term medicare with a long term care insurance plan.

You should ask for help from an insurance representative who makes a speciality of long-term care insurance to respond to any questions.

About the Author:

Consequence of Lying to Your Car Insurance Company

By Amy Nutt

Car insurance companies are very strict on their insurance packages and most times, they look at your details to be able to award you the necessary insurance. Therefore, it is not uncommon to find car insurance buyers looking for ways to falsify their details in the bid to reduce their premium price and get cheaper auto insurance quotes. In fact, research has shown that in the UK alone, over 10% of all drivers have lied at a point in time about their details or records while in the US, it is estimated at a whopping 27%. Details that are mostly lied about include the age and address of the driver. In some cases, drivers have been known to leave out speeding tickets, drunken driving records and bans on driving they may have received.

Sadly, many drivers seem to think this is the norm and therefore lie about all these when they are applying for an insurance policy. And this is further influenced by the thinking that the companies are mandated to pay and reward them. Most informed drivers know that falsifying your records is seen as fraud while the uninformed drivers think it is ok to lie about their records. The truth is insurance companies are beginning to catch up with this trend and are taking steps against the frequent occurrence of such acts. One of these steps is in the installation of software that will function as a lie detector and will compare all the different data for traces of irregularities. Besides this, insurance companies now have penalties that are meted out on culprits of this act. These include:

1. Cancellation of the Insurance Policy. All culprits will lose their rights to any form of insurance with the company of they are caught. This means that all the monies paid prior to that time will not be retrieved or paid back and the driver will forfeit all attendant benefits.

2. All Claims will be lost and denied. All drivers caught in the act of falsification will be denied all claims. During accidents, most drivers and car owners resort to the insurance company to offer some form of relief. Even if the claims are genuine, the insurance company will desist from making the required payment if it detects false information.

3. Blacklisting in all car insurance companies Depending on the severity of the false information, most insurance companies will willingly blacklist the driver thus making it really hard for him to drive his car.

4. May pay Fines If the driver is found guilty of severe falsification or under the insurance act, he would be required to pay the sum of one hundred thousand dollars and another two hundred thousand dollars if there are other offences discovered. 5. Jail Terms.

In Canada, all offenders could face up to ten years in prison and may be forced to pay a sum greater than five thousand dollars if found guilty. So whatever the case may be, it is in your best interest to tell the truth at all times.

About the Author:

What You Need To Know About Ltci And The Elimination Period

By Edward William

The elimination period is a vital factor when you get a long-term care insurance quote. It can make a very huge difference how much money you've got to pay or the type of coverage you have should you need to exercise your rights to long term care. Here are six tips that should help you're making a call on the sort of elimination period you have.

1. An elimination period on a long-term care insurance policy is the time frame you wait till your long-term care actually kicks in. This is a. K. A the 'waiting' period because you have got to wait for the policy to become effective.

2. You can decide how long your waiting period is or isn't. A waiting period can be from nil days to a hundred days if you like. It is important to mindfully think about this period correctly so you are not in a position you need care and you don't have it.

3. The shorter the elimination period is that you select the bigger the long-term care insurance quote will be. The reason being because you will essentially have coverage when the period ends. In the period of time that the waiting period is in effect you won't be paying as much money for coverage because technically you will not be covered.

4. If you become ill during the elimination period you will have to pay for the costs associated with the long term care policy. This is awfully expensive if you must be hospitalized or you need any sort of home medical care coverage. Be sure you are in good health and you won't need any care for as long as you opt to have the elimination period.

5. When you look at a long-term care policy it is critical to consider the pricetag. The long term care insurance cost will be different depending on the quantity of time you would like the benefit period to last for and plenty of other factors. You may pay less money in the longer term if you decide not to have a waiting period, should you get sick.

6. Should you choose a long elimination period on your policy you won't be able to change it later. This may cost you thousands. Be certain you really know what you need for a long term insurance policy before you agree to it.

When you get a long-term care insurance quote it's important to consider the elimination period you have on your

About the Author:

Health Insurance Is A Must

By Kunal Wadhwani

The need of an affordable health insurance plan is increasing day by day with the increasing number of risks involved in daily life. It has now become a basic necessity in addition to food, clothing, and shelter. However the question still remains as to what is exactly an affordable health insurance plan and how to go about it.

With the increasing demand for a health insurance plan it has completely denied the general view that the prices fall with the rise in demand. However the health insurance quotes also depends on several other factors like the kind of coverage you are in need of, the tenure, the amount, the percentage and the type of health insurance.

The factors that determine the cost of an affordable health insurance plan are mainly age, gender, existing preconditions, medical history and the profession of the applicant. No points for guessing how these affect the cost because it is quite apparent that if a person has had a medical history or has a genetic disorder, obviously he runs a high risk of reaching the state of catastrophic illness. Higher the risk, higher the health insurance quote.

You can find your best affordable health insurance plan online with the help of several online insurance brokers. One such insurance brokerage firm is the www.insurancecaredirect.com which specializes in as insurance providers and also have due respect for each and every customers. It generates health insurance quotes as per your specifications and also the kind of insurance coverage you require whether individual or major.

Trying your hand at health insurance for the first time and not yet familiar with the jargons involved, you can seek help from the area of customer service which are always at your service. However do not ever fill up wrong or misleading information about yourself as this may lend you in trouble by generating under-rated or over-rated health insurance quotes which do not fit your bill at all.

About the Author:

Long-Term Care Insurance Combined With Reverse Mortgages

By Terry Stanfield

Many retirees are faced with the possibility of a long-term care event. How will I pay expenses if I cannot take care of myself? I do not want to put the burden of long-term care expenses on my family or children. The good news is that we are not alone, millions of seniors across America are facing the same dilemma and many are making plans now. There are a lot of things we can do but it is coming down to two main options. The first is long-term care insurance and the other is a reverse mortgage. Some are combining both options. These options are important factors in planning for the time when we may need the money the most but will not be able to do much about it.

A reverse mortgage is a loan that is made to individuals 62 years and over in the United States, which is used to release home equity on a property in one large lump sum, or multiple payments. The homeowner is not obligated to repay the loan until they die, the home is sold or they leave into a nursing home.

For a typical mortgage, the owner of the house will pay a monthly payment to the lender, whereas in a reverse mortgage, the home owner makes no payments and all interest is added to the lien on the property. Now, it may seem odd that there are no payments on the reverse mortgage, but the way that the loan is paid off is that if the home owner moves, goes into a nursing home or dies, is from the proceeds in the sale of the house, or in the event the heirs refinance the estate of the homeowner. If the proceeds of the sale exceed the amount of the loan, the owner of the house gets the difference. In the case of the heirs, they would receive the difference. If the sale does not pay off the loan, then the bank will absorb the difference.

This option is becoming very popular with some seniors when they have to choose between reverse mortgages and long-term care insurance because they get a lot of the money upfront, which can then be applied to savings. The draw back is that it could severely effect the inheritance that you may want to leave behind. Long-term care insurance is an inexpensive way to insure that your family is taken care of.

Conclusion For many seniors, the possibility of their children paying out of their own pocket to take care of them is simply too much to bear. As a result, seniors will look at the options of reverse mortgages and long-term care insurance to find a way that they can pay their own way through either a loan or a government program. In the case of reverse mortgages, they will be able to get a loan that they will not have to pay back until they die or move, and even then the loan is paid off on the sale of the home. This allows them to get the money up front to help pay for their own long-term care at home. It is of little surprise it has become such a popular trend for seniors looking for a way to pay their own way.

About the Author:

Six Things You Need To Know About Ltci And Automatic Inflation Protection

By William Thomas

Automatic inflation protection is an element for a long term care insurance quote you must understand. Many people don't get this stipulation till it is too late and they need it. Here are six things to think about when you're looking at an insurance policy.

1. Automated inflation protection occurs mechanically. You don't have to find out the coverage you need is not on your policy or ask for it later. Some policies may not allow you to add to them later also.

2. Without automatic inflation protection the buying power of your benefits may decrease over time . This is the most effective way to protect yourself by getting it on your policy now. If benefits are decreasing instead of augmenting, you may find you are paying extra for benefits you once had already.

3. Inflation protection for one policy holder might not be the same for another. You have control over your policy and when you get a long term care insurance quote be sure to have the company add the automatic inflation protection to it.

4. Compounding interest at five pc is an option for automated inflation protection on your long term policy. This will also have a five percent straightforward inflation option. Compounding interest on this policy has a better effect on the quantity of benefits that will be available to you over a considerable time period. Your payment may increase a little but it is worthwhile in the future so you are not paying for doctor's bills or things that should have been covered.

5. The only way you can see the advantages of the automatic inflation on your long term care insurance policy is to be the patient yourself. When you're in the situation and you do not have the coverage you want it will become clear. It usually takes many years for it to be clear what this kind of coverage truly is.

6. Inflation protection that is automatic will increase the long term care insurance cost a touch every time the cover increases. The cover may increase in the dollar value covered, the actual medical benefits, time frame in a hospice, and more.

The automated inflation period of coverage is very important to get when you get a long term care insurance quote. The reason being because you want to be sure your policies benefits do not decrease over time or become less deserving to you. This sort of insurance is a good call that secures the future of your financials and your health.

About the Author:

A Group Health Insurance Plan-An Affordable Option

By Kunal Wadhwani

It is mandatory for an organization to keep a check that all its employees are also healthy. Since health expenses have nowadays gone to rocketing heights, so not many employees take care of getting regular health check ups as this leads to an overhead in their pay. So it has become essential on the part of the organizations to take into notice the well beings of the employees and ensure health benefit to them as this will ensure beneficial to their organizations also. Most of the firms nowadays are opting in for group insurance plans to seek maximum benefit from the health insurance plans for their employees.

The employees as well as the employers both benefit from the health insurance plan as the rate of absenteeism will reduce considerably as the employees will seek effective medical guidance in case of any illness and thus benefit in the productivity of the organization and it will also not create a hole in the pocket of the employees as this health insurance benefits are non-taxable and the employee will not have to worry about his savings.

However what does an affordable health insurance plan actually mean for an organization. It is essential on the part of the organization to seek help from someone who is already an expert in the area of health insurance quotes. There are several agents and middlemen available in the market who provide assistance but in return of a fee. However you can also seek help from online health insurance brokers.

Even though you are a small firm, a large firm or an NGO you can equally benefit from group health insurance plan. You can log into www.insurancecaredirect.com and place your needs in simple language and it provides an answer to all your requirements within seconds and gives you some of the most affordable health insurance plans.

A group health insurance plan is beneficial as compared to other insurance plans like the individual or life as it is taken in the name of the owner of the organization and benefits the organization in terms of premium rates as the health insurance quotes are directly proportional to the number of people seeking the health insurance plan.

About the Author:

Thursday, August 6, 2009

Do You Need Annual Travel Insurance

By Susan Reynolds

Paying a one-time fee for travel insurance with the promise of having all of your yearly travel protected from accidents and illnesses sounds wonderful, doesn't it? In most cases it is; however, the time to find out your coverage isn't complete is not after you experience an illness in another country.

Today people travel for a wide range of reasons and the travel insurance policies accessible to you have evolved to meet the more varied demand for suitable cover. In this guide we will look at which policies are suitable for certain types of travel. If you are plan to take a winter holiday you may want to consider taking out winter sports insurance.

This form of insurance provides cover for activities such as skiing and snowboarding, covering equally injuries and the loss or damage of sports tools. Fewer than 60 countries have a reciprocal healthcare agreement with the UK and without adequate cover a broken leg in Switzerland could cost you around ?25,000.

Perhaps you are the adventerous type and your chosen outdoor activities include kayaking, white-water rafting, bungee jumping our rock climbing. Because these are considered high-risk activities, they may be exempt from a regular travel insurance policy. In that case, you would want to look into a holiday adventure insurance policy. Taking one out could save you expensive bills should anything go wrong. But, make sure that when research these policies that they cover the activity in which you plan to participate.

A backpacking holiday is another activity that can require a specialized policy. Backpackers insurance is a form of long term insurance that can last up to 18 months. Policies also cover you when working abroad which may be necessary when travelling for a long period of time, mostly for students. When taking out backpackers insurance it is essential to verify that all the countries you plan to visit are covered by the policy, mainly if you are travelling to countries where your EHIC card is not valid. Also remember that a few third world or war-torn countries may not be covered.

* Regardless of your age if you have any pre-existing medical conditions it is vital to let your insurance company know before buying the insurance. Such a condition is likely to increase the cost of your policy but it is a little fee to pay; if you fail to declare any medical issues your insurance policy is unlikely to cover you and this could result in a large bill for any medical treatment.

Before taking out any kind of policy, it's important to let the insurance company know of any health concerns or pre-exisiting medical conditions you may have. While disclosing this information may raise the price of the policy, the costs of illness while on holiday can be ruinous - it's a small price to pay in the end. One other thing to consider is that many standard insurance policies have an age-limit - often this is 65. If you are over this limit, this throws you into the high-risk category. But, you'll be happy to know that there are insurance companies that have policies that specialize in affordable insurance for the older traveler. Whatever type of travel you plan to do, or whatever your age, there is a travel policy for you that will give you peace of mind and allow you to enjoy your holiday.

About the Author:

Six Things You Need To Know About Ltci And The Maximum Policy Value

By Sam Long

When you get a long term care insurance quote you must consider the maximum policy value associated with this. Many folks don't understand this type of policy nor do they assume they need it.

1. The maximum policy value of a long-term care insurance policy is the quantity of money you put into the policy. This policy is considered to be a pool of cash you put together into a sort of deposit account that is later used for your long term medicare later in life when you really need it.

2. The value of your policy will differ dependent on how many days a week you want long term care. If you simply need long-term care for two days each week rather than 7 days a week you will have more money to spend in the long term.

3. A long term care insurance policy can be shared between you and your other half. As you pay into the policy the amount of money will build up into an account. Eventually, if you or your other half need money for care you will be ready to use this policy. One of you may not need care and the other one of you can.

4. When you choose the automated inflation system you gain interest on your policy and the long run care insurance cost may increase consistently also. You should be shown the way the price may change or increase over a period of time. The good news is that the coverage will increase because the amount of money you have in your account will grow.

5. Should you never need to use your long term health care policy it can be cashed out. You do not lose this money if you die from something that hits you right away.

6. Long term health coverage is not a life insurance policy. Many people are confused about this kind of policy and they don't understand. This is a particularly profitable policy that will help take care of your needs should you want a home nurse or have to be put into a nursing home.

When you get a long-term care insurance quote it is critical to appreciate what the maximum cost of the policy is. This is not like a life insurance policy that's worth 1,000,000 dollars if you die. This is like a savings account that gains money as you put your own money into it. When you ultimately need long-term medicare then you will start to use your policy.

About the Author:

What Health Insurance Covers

By Susan Reynolds

Medical Insurance is a must that everyone somehow or the other needs to afford to. The main reason is that there would be an event of unexpected injury or illness and without medical insurance the cost could be devastating. In short a person without medical insurance will not be able to afford the medical expenses. Medical insurance will protect you from out of pocket expenses that are beyond your means in the event of an injury or illness.

Medical insurance is definitely a benefit to every individual who can afford it, or those who choose not to run the risk of being without it. Even the very minimal coverage will cover checkups, and doctor visits. With referrals from your doctors you can get coverage with specialist care. Other special needs, such as X-Rays, may force out of pockets fees, depending on your coverage. Surgeries will also depend on what your insurance covers.

Most medical insurance coverage requires you to pay a deductible for any type of doctor, hospital, or specialists visits. Over the course of a year you must pay towards the deductible with any medical visit, and once that has been paid then you will be fully covered without any further financial responsibility for the visits. Of course, this will all depend on the coverage that an individual?s plan will cover, as each one is unique and different.

In regards to surgeries, and individual must read the fine print, because coverage may not extend past the surgery, and the necessary rehab. Always make sure you know what is and isn?t covered in your insurance policy before arranging a procedure and prepare for all costs that may end up being your responsibility.

Health insurance policies generally do not cover the expenses for the unwarranted surgeries like donation of kidney or bone marrow, cosmetic surgeries for hair transplant, face lift, liposuction, changing of shape/size of nose, boob jobs etc.

If you are hospitalized, the insurance will normally cover the rehabilitation expenses. If the hospitalization is justified, the insurance company will pay all the expenses. But if you overstay at the hospital for a period which is not justified, you will have to bear the expenses.

It is also good to tell your doctor about the insurance plan you have so they will know about the regulations of your insurance company. This can help you and your doctor know regarding the scope of coverage and length of stay for you in the hospital.

About the Author:

What You Should Know About Long Term Care Insurance And The Indemnity Long Term Care Insurance Payment

By Robert Bones

When you get an indemnity long-term care insurance quote it is important to grasp a few things first. This is a good policy for you if you are on a limited budget. Here are six crucial things you should know about this kind of policy and the payment you might have.

1. An indemnity long term care insurance policy has a fixed quantity of benefits. There's a cap on this. Unlike an inflation policy this amount will cap out at a certain amount.

2. The long term care insurance cost for the regular payment is always the same. If you are on a fixed budget and you can't afford a changing or skyrocketing monthly payment you possibly will benefit from this kind of plan. Your payment will stay the same without regard for the sort of expense that has occurred.

3. An expense incurred plan reimburses you the amount of money you have got to pay for care up to the benefit amount you have paid into. As an example, if your benefit amount is $300 a day for long term care and you want somebody to help you twice a week at $100 a day you'll be paid the full $300 amount. Many plans will leave the cash in your account or your pool of benefits available for you. Some will cut you a check.

4. An indemnity plan will only pay the long run care insurance cost only if a medical cost was incurred also. If there is no medical expense then the benefit amount won't be paid to you.

5. An indemnity regular payment is what you need it to be because you have the ability to choose the amount of benefits you would like to have every day, month, week, for example. When you get a long-term care insurance quote you can specify the amount of benefit when you get the policy. Many of us base this on their income and what they can afford to put into their long-term care.

6. As you can with other long term care policies you can share an indemnity policy with your spouse. You can pay a standard payment into the policy and use it accordingly if either of you must need any kind of long term care.

An indemnity long term care insurance quote looks much nicer to folks than an inflation quote because the payment remains the same through the lifetime of the policy or you.

About the Author:

How Much Does HEalth Insurance Cost?

By Susan Reynolds

The cost of health care is on the rise and inadequate health insurance can create an expense that can be devastating if you are suddenly injured or become ill. Everyone should be able to afford health care and regular checkups could save your life. Without health insurance many people will go undiagnosed and many treatable conditions can become fatal while left untreated. The cost of health insurance is a huge concern for many people, they fear they cannot afford it and they know they cannot afford to not have it.

Those who are lucky enough to have health insurance offered from their employer are usually getting a great coverage plan at a group rate, making it an affordable plan and they can rest easy knowing they are covered if any injuries or accidents occur.

The people who don?t have health insurance plan from the employer would be in need to find a good health insurance company which offers a best affordable plan. Making some research about health insurance would help you to find a affordable health insurance plan.

The cost of health insurance will depend on several factors such as, Total man health condition, activities, and your risk factors. If you are in perfect health, at a young age and partake in no activates or habits that are deemed risky you will inherit the best rates. If you have pre existing health conditions, are of a more mature age or take part in risky behaviors such as smoking, sky diving, or mountain climbing you will get the highest rates.

The plan and type of coverage are the two factors what actually determines the rate of premium. The health insurance company offer different plans or you can also customize your plans. You need to look for plans which offers affordable premium and also offer the right amount of coverage. In not, you would be stressed with expensive bills at a condition where your condition is so week.

You can select your type of plan. You may select an HMO which is cheaper but you will be confined to a list of doctors that are within the network. You can opt for out of network coverage but you will be paying higher deductibles as higher premiums. Prescription coverage is offered as well as optical and dental all at additional costs. You might even want to include mental wellness coverage for counseling, therapy or hospitalization.

It may be wise to talk to an expert to find a policy coverage fits your lifestyle and budget. Compare plans, ask questions and make sure you thoroughly understand each policy?s co-pays, deductibles and premiums, what they mean, what the policy covers and what it does not so you?re not hit with surprise expenses after your doctor?s visit.

About the Author:

Medical Insurance Plans Purchased Wisely

By Clarissa Winegarten

Everybody needs to have a medical insurance plan for a couple of reasons. If you are now looking for some health insurance quotes for individual medical insurance plans, you need to know that you are taking a step toward a secure financial future. You need to be aware of the several techniques for saving money when buying a health plan.

Medical insurance is a vital thing for you entire family. It is not a responsible thing to rely on the free insurance for your children and neglect having one of your own. When you get injured or sick, you get to pay extremely expensive bills at your doctors.

The problem is when an emergency occurs and then you will have to go to the emergency room and all your savings will be definitely gone. When you don't have a health insurance, medical bills are definitely not cheap. So, it is essential that you have a good financial protection with the help of a good medical insurance plan.

Before buying a health insurance plan, you may go shopping around and find out the most suitable medical plan. There are lots of individual medical insurance plans that are not that expensive. If you prefer to pay cash every time you get injured or sick you will never be able to save money for other future plans or for the retirement. The best method of saving is protecting yourself with an affordable health insurance.

After deciding over the kind of coverage that you need, you need to take a closer look at the quotes for health insurance. You have to decide on what amount of money are you willing to pay monthly for the health insurance plan.

Try to choose one of the cost effective medical insurance plans that are effective as well for you and for your whole family.

About the Author:

Do You Need A Life Insurance Broker?

By Susan Reynolds

No. You really don't need a life insurance broker. However, there are certainly times and instances when a life insurance broker can be extremely helpful. In fact, they can actually save you a significant amount of money.

Regardless of which kind of insurance you wish to purchase, there are a large number of companies to choose from and an equally wide-ranging number of complicated plans available. Decoding those plans can be intimidating, especially if you have no experience in this area. Because of this, it is sometimes a very good idea to secure the services of an insurance broker.

A life insurance broker is an intermediary. They function between you and an insurance company. It is their job to search for the lowest possible insurance policy, and an insurance broker does not work for a specific company. They have established rapport with many insurance companies, and this allows them to hunt for the best options, answer difficult questions, and point you in the right direction, in terms of your insurance needs.

Once you select the broker you want, you supply them with your specific details and needs. From there, the broker begins sorting through the choices available, looking for the best deal. The broker will either give you multiple quotes to choose from, or offer you the lowest option available. Now all you need to do is compare several insurance estimates from the leading companies. You are now able to make an informed decision on which one will work best for your particular situation.

Brokers must be familiar with all the leading insurance companies. Because they do not work for just one, they are able to establish relationships with many companies. They know the reputation, and they know how the company operates. They can tell you how often premiums increase, and how the company handles its claims.

Insurance brokers are paid on a commission basis. They receive compensation from the insurance companies for each policy sold. Generally, if you were to go directly to the insurance company and purchase the same plan, it would cost the same amount. So quintessentially, using a broker to help you find the best policy costs nothing, and it relieves some of the stress. The broker does the work and bears the frustrations of sifting through the better polices. All you have to do is look through the options they come up with, and decide which one works the best for your situation.

The greatest benefit in using a broker is the extent of his or her knowledge of the marketplace. Not only can they find the insurance you need, they can find it quickly. However, the best part is they can usually get you exactly the kind of coverage you require, at a price that would be difficult for you to duplicate. They understand all the technicalities of insurance contracts, and they can make sense of the fine print. Choosing to use a broker has many benefits.

About the Author:

Wednesday, August 5, 2009

What You Should Know About Long Term Care Insurance And The Survivorship Benefit

By Joe Costalo

The survivorship benefit is important if you are looking into getting a long-term care insurance quote. This is one of many benefits you should consider and there are several reasons why. Here are six things to consider with the survivorship benefit that might impact you if you get a long-term care insurance policy.

1. You must be married to get a survivorship benefit. This must be a legit wedding. You can't be living alongside a person but they must actually be your other half. In addition, some insurance firms do not recognize homosexual couples and they also might not recognize common law marriages.

2. The long run care insurance cost will be higher if you must choose the survivorship benefit. The more benefits you add to your package the more money you may pay into the policy. However, remember this is a deposit account and it will still benefit you and your spouse.

3. A survivorship benefit typically has a stipulation to it before you can really use the benefit. This stipulation is in years and will often require roughly ten years of paying on the policy without having a single claim to the company. This means that you or your spouse will not have been hospitalised for any reason or had any other claim to the company throughout the whole duration of a set time frame.

4. The survivorship benefit on a couple's long-term care insurance policy means if one of the people in the marriage dies, the survivor of the relationship no longer has to pay the premiums for the remainder of their life. This is designed to help a person remain on the policy because most likely their earnings has been cut in half due to the death.

5. When survivorship is on the long run car insurance quote and a person in the marriage dies, the other person receives full benefits for life also. This indicates that they're going to receive the totality of what they were paying for before the person died.

6. The long run care insurance policy won't change when a partner dies. The benefits being paid for before the time of death will remain in effect and active for the rest of the living person's life.

When you get a long term care insurance quote and you are married it's vital to think about the survivorship benefit on your policy. Don't get a policy without it or you may be in trouble if your spouse dies.

About the Author:

What You Should Know About Long Term Care Insurance And The Waiver Of Premium

By Rick Winters

There are several benefits of a return of premium benefit or policy you might consider when you get a long term care insurance quote. Here are six things you should know before you make a call on long-term health care.

1. A Return on premium benefit incorporates a death benefit that is payable on your death. This may take care of doctor's bills, lost income, and secure futures for your kids. The cash may be employed any way it needs to be used in the event of your death.

2. When you get a return on premium long-term care insurance quote you will find that this benefit is free of revenue taxes of the central government. This means that your family members will not have to pay a major proportion out of the death benefit if they need to exercise this.

3. With a return on premium long term care insurance policy you are rewarded for outliving the policy itself. This means that if you live up till the end of the level premium period and you continue to have a policy in effect you'll get 100 percent of the premiums you paid into the policy. This is one dazzling high-interest account and can suggest plenty of fun for the remainder of your life.

4. If you exercise your right to get money back on your policy as you have out-lasted it you are also not taxed by the federal government for this. The goal to a policy like this is to remain healthy so you can get your money back.

5. After you receive a refund for the total amount of the premiums you have paid you can still continue your policy. The policy will be renewed with a yearly renewable term and the rate is guaranteed when you determine the opening long-term care insurance cost.

6. The cash eligible to be paid to you includes premiums before the expiry date. You will not be paid any money of the policy that includes riders or other further risks that were paid. This implies that the full amount of money you paid in may not be what you get back. You will get the amount minus additional benefit costs paid in. When you identify the long run care insurance cost you will know the amount going into the return of premium.

A long term care insurance quote should include a return of premium benefit. This is a good way to secure you or your family's future. If you outlive your policy you'll get all of your money back paid into the plan.

About the Author:

Long Term Care Insurance And Home Health Care Information You Should Have

By Edward William

When it comes to home medical care there are many things you must consider when you get a long-term care insurance quote. These things should be included in the policy and you must be sure you are quoted for them too. Here are six things that should be considered when it comes to long-term insurance and home health care.

1. The long term care insurance policy should offer one year of home healthcare or retirement home coverage or perhaps both. This should also include intermediate custodial care. If you can get this time period longer you might want to consider it.

2. An inflation option is another consideration when you get a long term care insurance quote. The best inflation option will increase the benefit level periodically without you needing to provide evidence of your insurance.

3. The long term care insurance cost should be certain about the elimination period. An elimination period to an insurance company for long term care is a set number of days a person must be in home health care before the actual policy kicks in. If you don't meet this number of days you will be responsible for the bill and nothing will be covered.

4. Any long-term care insurance policy should give you a timeframe of cancellation. You want to be sure you have the right to cancel the policy for any reason you select within a fair timeframe like thirty days. This should give you a total refund if you decide to cancel.

5. A long-term health care policy also desires to incorporate a guarantee the policy may not be canceled on you. Many insurance companies have canceled policies on folk when they end up with a psychological well-being condition or simply as they age. Be certain the policy includes a guarantee the policy will never be canceled thanks to a health condition or age.

6. The policy itself wishes to clearly explain the advantages included with the policy. All of the terms and the restrictions should be detailed and defined. You want to know the precise sum of money you may pay out of your pocket should you get ill or need home health care.

There are many things to consider when it comes to home health care and obtaining a long-term care insurance quote. Don't go with an insurance company who will drop you as you get older or sick. Also ensure you are completely covered for things you may think may happen to you.

About the Author:

New York Health Insurance Steps to Get the Coverage You Need

By Naomi Younce

No matter what your age, you don't want to be without health insurance. If you don't have the protection of a solid New York health insurance plan, you could find yourself buried under a mountain of medical bills at some point in your life. There are countless stories of people who have been in that situation before. So that you don't have that issue, we've got 10 tips that will help you get the coverage you need at rates you can afford.

* Beware of policies that are stripped of coverages that you might need later on when you have something go wrong. Don't just get one but get several quotes from various New York insurance companies. By starting your search online you will not only save time but money as well since insurance companies keep the best rates for online shoppers.

* Not only do you want to find the right NY health insurance, you also want to make sure that the insurance company is a solid one as well. Find out if they are licensed to do business in New York and you can find out whether they are registered from the New York Insurance Division.

* You want to get a real health insurance plan, not just one that offers discounts on health services. These are generally not recommend by the health care industry and could well be a waste of your money and not give you what you will need.

* If you have questions and concerns, you can also contact the NYC Managed Care Consumer Assistance Program who are able to help you with finding Brooklyn health insurance as well as any other area in New York.

* When you have a health insurance policy, make sure that you know what rights you have. Should there be any issues while buying you policy, or if you are concerned about where you are getting your insurance from, know what rights and protection is available to you.

* Had a recent job loss due to your job moving overseas? The Trade Adjustment Assistance Reforms Act may be able to help and cover up to 65% of your health insurance for at least one year.

* You can also check if you are eligible for the New York state-sponsored health program that provides streamlined health insurance coverage at a cheaper price for individuals. This could certainly be something worth looking into!

* If you simply can not find a New York health insurance plan that works for you, there is partial coverage through a program like Medicaid. As a federally funded program you must meet certain criteria in order to be accepted into the program.

* Early retirees who lost their health coverage can also take advantage of federal Pension Benefits Guaranty Corporation, they will be able to pay for 65% of health insurance costs.

* Once you've done your research and found a New York health insurance plan, you might want to talk with an agent before signing up. Ask them to review it and see if it's the best fit for you.

These suggestions can help you in your search for a low cost New York health insurance policy that provides you with the best quality care when you need it.

About the Author:

Tips For An Affordable And Safe Health Insurance Plan

By Kunal Wadhwani

Frauds in the health industry are so rampant today that it is very difficult to come across an honest insurance provider. The citizens often end up feeling trapped and badly cheated against when they realize that the health insurance plan in which they've invested their hard-earned money and had a lot of expectation, is fake. Worst is when all this arises at the time of settlement of claims when some tragedy or criticality has struck , so not only your trust but also health would also be at stake. They end up paying the cost of treatment from their own pockets while their affordable health insurance contract lies idle, adding to your miseries.

So what measures should one take so as to safeguard against the fraudulent activities while generating health insurance quote and purchasing a health insurance plan?? The first and foremost thing to do is to check the past records of the insurance provider and verify for such instances of claim settlement where they've refused paying the claims. Buy a plan from only those providers which have a clean, untainted record of having settled insurance claims at the earliest.

The next cautionary step you need to take while taking your health insurance plan is to go through all the documents thoroughly and not take things for granted. You should read all the clauses carefully and not be hesitant to ask in case of any doubt if you aren't familiar with the terminologies of the insurance sector

Another way to gain the health insurance plan is to purchase it directly from the market if you are aware of the hooks and nooks of this sector. However it is always beneficial if you seek assistance from an insurance broker because these brokers are well aware of all the latest updates and happenings in the insurance sector. These brokers take complete care of all your proceedings and help you seek the most affordable health insurance quote.

One of the best and reliable insurance brokers is Insurance Care Direct, which has launched its website www.insurancecaredirect.com which takes care of all your insurance needs online and provides you with the best and the most affordable health insurance plan.

About the Author:

Monday, August 3, 2009

You?re Life Insurance Rights

By Graham McKenzie

You will want to understand how your life insurance rights will affect you and your family. You should do this before you purchase a life insurance program to make sure that you find a program that will fit your needs. You will need to remember that changing a program to work for you is harder than finding a program.

Your rights may change depending on what type of life insurance you get. First there is whole life insurance which is the most known type of life insurance. This life insurance provides a monthly rate of money for your beneficiaries after you die. Term life insurance is less expensive but lasts only for a set period of time.

In both cases you will be entitled to what is known as a free look period. This is a law in every state that the companies are required to give you a time period between 10 and 30 days to review the policy. The actual time period will vary from state to state however some states require that a notice of the law is actually given to you with your policy. If you decide that you don?t want to continue the policy after the time period all you will have to do is have a written statement and hand them the statement with the policy. They will refund your payment and the policy will become a voided policy.

This free look period is especially important if you?re a busy person or just don?t understand all of the fine print. While life insurance policies are supposed to be easy to read they may not be and you may have to take your policy to your lawyer to have him decode it for you. You should also note that the free look period changes based on what state you?re in. While some states offer 30 days some only offer 10. Make sure that you mark this number down so that you don?t forget to cancel your policy if you decide not to stick with it.

When you?re debating about what type of life insurance to choose you should remember that it will be harder for you to get life insurance down the road. This means that you will want to consider term life insurance very carefully if you decide to go with it as it will expire in your later years and you may have problems getting another policy. As people become older they become a higher risk for a life insurance company because they are not expected to live as long and therefore not pay the company as much as other people would. For this reason it may be better to have whole life insurance which will never expire. You should also try to set up a payment plan for your life insurance plan that will allow your family to get a lump payment at the start to pay for immediate expenses and then smaller payments after that until the money on the policy is depleted.

About the Author:

Is Buying Health Insurance On The Internet Smart?

By Dr Robert Cox

With the economy eliminating so many jobs and in spite of COBRA (which is very expensive unless one qualifies for the special 65% govt reimbursement), many people are losing their company provided health insurance and turning to the private market.

The first place most people turn to is the Internet.. and in most cases, they are disappointed as they expect to find a quote and offer, but instead, they are told that their information will be forwarded to one to five local agents.

Within seconds, the phone begins to ring, and by about the third call, the seeker is both ticked off and disappointed.

But to get to the answer of the lead in question, the answer is a strong, bold, and unequivocal "NO". In fact, in most cases one can not buy insurance on the Internet period.. but let me clarify.

There are really two types of insurance.. or at least medical protection that is perceived as insurance. One type plan is an indemnity plan where the insuring company publishes a set schedule for certain things such as doctor visits, in and outpatient diagnostic tests; days in the hospital stated as "$X per day". This type "policy" is offered without underwriting or medical questions and can be sold over the Internet. The better companies offering a policy of this type clearly state as the law requires, "This is NOT medical insurance and is not intended to take the place of a full major medical policy".

However, for many people, it does. One reason is lower costs. But a policy like this is not as subject to state regulation and monitoring and while there are many long term, well established indemnity companies in the market, it seems as if every day a new firm pops up to capitalize on the current economic situation. The buyer of this type policy should be extra careful and see if the company has been around long enough to have established a good practice of paying claims! While this is obvious, it's not done as often as it should be.

Another check that should almost always be done is the future insured should call their state insurance commission and see if there are any reports on this company.. either good or negative. Mainly in claims payment.

But to return "to theme" this is one type of "policy" that can be purchased on the Internet.. but again, it is not truly medical insurance.

True individual medical insurance will have these characteristics: First, it is "underwritten" or based on individual circumstances such as age, ht, wt, smoking or tobacco use, and current medical conditions. Most policies will not immediately cover pre existing conditions, or will rate up if they do. Pricing is based on these factors.

A policy of this type will generally have first a deductible amount which is what the insured pays first on a major medical bill. The deductible generally has to be satisfied before many other policy benefits kick in. There is an inverse ratio between deductible amount and total monthly costs. The lower the deductible, the higher the monthly cost, called a "premium". Now in many policies, one can at least see their doctor at some "paid for" rate before having to satisfy the deductible. Many prescription plans are also written this way.

Now here's the problem and a two sided dilemma: First, there are so many variables and options that the future buyer just looking at the Internet, and then being contacted by an agent, is not aware of all the choices they might normally have. Most people.. maybe you, the reader.. are not even aware the choices exist. One example: Your deductible. Does the deductible apply for a calendar year or a policy year? If you entered the hospital in Nov, you'd have to pay the same deductible as if you entered in Jan.. and when you've satisfied it, if you went back in Jan, even for the same problem, you'd be starting a whole new deductible. Not always.. but this is just one example of what you might not know.

Now let's say you went on one of the Internet sites. You did a search engine look for "health insurance" and you got 25 listings to pop up from the search engine you used. You went to the first site and did not find a policy application, so you went to another. Next thing, usually within minutes, your phone starts to ring.

The call you are most likely getting is from what is known as a "captive" agent. He or she works for just one company, and has just one major product line to offer you. Do you think they are going to tell you the options you might have if you looked at a competitor? Of course not! They know you will be getting many calls; they know you are probably not educated in the selection process, and they know if they don't get you to "buy" (which is really to put in an application), they will never talk to you again. As trained sales people, they know one first rule of selling it "give the prospect what they want'. Never mind if you don't really know ALL you want or could have.. so they hear your buzz words of "deductible", "Copay" and "Monthly amount". It's offered; it's what you asked for, and you bought.. or actually only put an application in. The fact is that your application is far from guaranteeing you will be issued the policy you apply for. It can be modified with waivers or rate ups, but you won't know for at least 5 work days in most cases. In the meantime, you tell future callers, "Thanks, I've taken care of it". Little do you know!

There is some hope however. Another category of person or company who will call you is an independent broker. They do not work for any one company. They don't have to sell or be fired for any one company. They have no vested interest in a certain and special company, and they have to know the competition. This kind of agent or broker can and will search for the company that suits you best. Their call may tend to put you to sleep because they are going to teach you and ask and explain the questions. Now as your author, I've been involved wearing both hats.. captive and broker.. and I'll tell you this: More than half of my prospective clients are more interested in how many pixels their next HDTV will have than the finer points of this policy they are looking for. If this describes you, accept you are only going to get what you ask for. Pay attention; go buy a good book on buying health insurance. Get educated and be proactive.

So as we conclude the answer to the article title: One is you should not buy health insurance on line and one reason is you can't. You apply for it through a good broker. You can buy an indemnity policy, but it is not true health insurance.

Meet the qualified vendors on line. After you have evaluated their offerings, then you can apply on line and use the tools such as PDF versions of their official brochures. This is not buying on line. If you consider that buying, this part is ok.

About the Author: