Insurance quotes and assistance

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Auto Insurance

Commercial Auto Insurance and Personal Auto Insurance
Keeping Auto Insurance Premiums Low
Take Advantage of Insurer Websites
Am I The Only One That Thinks Auto Insurance Rates Are Freaking Ridiculous?!
Flustered About Auto Insurance?
Auto Claim DENIED…WTH!!!
How much auto insurance do I need?
Do all states have a mandatory auto insurance minimum?
How do I get the best policy value for my money?

Health Insurance

Health Insurance Decisions
Do you need health insurance?
Indemnity Plans
Health Insurance Dissected…Lighten Up!
5 Things Every Health Insurance Policy Holder Needs to Do Now
Tips for Working with Customer Service
What are the most popular types of health insurance plans available?
What exactly does my health insurance premium pay for?
What is a main hospital plans?

Home Insurance

Renters Insurance Stripped
Whose Home Insurance is Responsible?
Umbrella Insurance
Expecting Home Insurance Premium Increases
5 Steps Home Insurance Policy Holders Must Take Now
What Home Insurance doesn’t Cover
Do I have to have home insurance?
How do I get the homeowners policy that gives me the best value for my money?
What if someone is injured on my land?

Life Insurance

Don’t Screw Up Your Life Insurance!
The Case for Term Life
Lying to Insurers
It’s Time To Stop Bashing Life Insurance Coverage! Have You Got A Better Solution?
Should You Sell Your Soul To The Insurance Company In The Pale Moonlight?
Do You Need a Trust?
How much life insurance do I need?
How do I get a life insurance policy that offers the best value for my money?
Should my spouse and I have separate life insurance coverage?

Health Insurance Dissected…Lighten Up!

Yin and Yang come to mind, when I’m pondering health insurance. Two separate parts that are opposite, but cannot exist without one another. With that said, it is extremely important that you stay healthy and are protected, should you need medical attention. This is pretty much inevitable, as at one point or another you are going to get sick and I can guarantee it’s going to whack you when you least expect it.

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Health Insurance Decisions

When you take out your health insurance policy, there are many different things you must consider. What might immediately spring to mind is the premium of the policy, but there are other concerns that you should think about before paying that first premium.

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5 Things Every Health Insurance Policy Holder Needs to Do Now

Paying your health insurance premium each month may be enough to keep your policy in-force, but there are other steps you should take in order to keep the policy affordable year after year and to make sure you use it to its fullest.

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Do you need health insurance?

When it comes to the health insurance debate, there are so many different points of view out there that coming to a unanimous agreement about anything is next to impossible.

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Tips for Working with Customer Service

There will come a time when you need to contact the customer service department of your health insurance company, whether it is because you have a question about what your policy covers or because you need a precertification for a medical procedure. But having all your ducks in a row before you call is a good idea because it will help your phone call go smoother and ensure that you get the information you need in just one phone call – because calling an insurance company 2 or more times in one day probably isn’t on anyone’s list of fun activities.

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Choosing between COBRA and Individual Health Insurance

When you leave your job, and your group health insurance plan, you have the option of taking COBRA coverage or buying your own, individual health insurance policy. Before you do, you need to determine which option is best for you.

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Bracing for Increasing Healthcare Premiums

The new healthcare reform bill may have had an unintended side effect. Because the new laws allow children to stay on their parent’s insurance plans longer, allows people with pre-existing conditions to get coverage (starting in 2014), allows children with pre-existing conditions to get coverage now, and allows some people to avoid the system altogether and take advantage of Medicare, insurance companies are complaining that they need to raise rates in order to cover the additional costs and possible lost premiums.

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Why an HSA Makes Sense

Health Savings Accounts are often spoken of with reverence, as though these $5,000-per year contributory accounts are the saviors of the U.S. healthcare system and can be an adequate substitute for many health insurance plans. While a $5,000 a year contribution will hardly help pay for transplants and heart surgery, these accounts should not be overlooked as a helpful tool. They do provide many benefits, if you simply know how to utilize them.

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Retail Clinics

If you’ve been inside a Walgreens drug store lately, you may have noticed a little office peeking out from the wall around the pharmacy. A glance inside this office will have shown you a person in a white jacket doing things suspiciously similar to those that a doctor routinely does.

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Catastrophic Insurance Coverage

Health insurance doesn’t have to be about a full, comprehensive policy. Sometimes, a policy that covers the possibility of an accident or major surgery is all that we really need. With catastrophic insurance coverage you can get this important coverage without the high premiums sometimes associated with regular health insurance policies.

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What is HIPAA?

One of the acronyms that has been bandied around since the health insurance regulation has passed is HIPAA. HIPAA stands for the Health Insurance Portability and Accountability Act, an act that protects the privacy of health insurance consumers in a digital age and allows them some guarantee of insurance renewability if they are unable to replace their group insurance plan.

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Health Insurance for the Self Employed

When you work for a traditional employer, there are some perks. There is vacation days, sick days, access to corporate training events, educational reimbursement, and of course, group health insurance. Group health insurance offered by traditional employers has many benefits. There is no individual underwriting so if you have pre-existing conditions you won’t be denied coverage (although they can impose waiting limits and exclusions for limited periods of time).

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COBRA Coverage Explained

COBRA is the acronym for a health insurance portability act signed into law during the 1990′s. Thanks to COBRA, if you leave an employer who is providing your group health insurance coverage, you can keep the coverage for 18-36 months even though you no longer really qualify for the group coverage since you are not a member of the group.

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Health Insurance Underwriting Overview

There are many different aspects of your health and habits that are taken into consideration when you have a health insurance policy underwritten. These factors work together to create the general risk that you life presents to the insurance company.

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HMO-The Full Story

When you are searching for low cost health insurance an HMO plan is likely to come across your radar. HMOs, or health maintenance organization plans, offer some of the lowest cost full coverage insurance benefits but they have certain drawbacks.

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PPO-What Your Didn’t Know

There are two major types of health insurance that consumers can choose from, a PPO plan or an HMO plan and you’ll run into both of these when you get your health insurance quote. Today we are going to talk about the PPO plan.

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Health Insurance Terminology

You cannot be sure that you’ve gotten the best health insurance coverage unless you understand health insurance terminology. Here are some of the most commonly used terms in the health insurance industry.

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Is Group Insurance Enough?

When you are shopping for a health insurance quote one of the things you might consider is a group health insurance policy. But you should know that there are many drawbacks to group health insurance policies that can adversely affect you and your family.

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Your Health versus Insurance Rates

Your current and past health history is the most important consideration to a health insurer’s underwriting department when determining what to charge you for your policy and whether or not to issue a policy at all. That means that the illnesses you have suffered, injuries you have endured and medications you are taking will affect your health insurance quotes. But why should your health affect the rates for your health insurance policy?

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Make Processing Health Insurance Claims Easier

There is nothing more frightening in the real world than getting a bill for a health service that you thought would be covered by your health insurance policy but isn’t. Different than your standard Certificate of Benefits (COB) a bill is an actual request for payment from a service that is either not covered under the details of your health insurance policy or will not be covered simply because you didn’t follow some procedure correctly. Luckily, there are many ways you can avoid facing this bill:

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Understanding Health Insurance Reform

The new healthcare reform bill will completely change how health insurance works in the United States by 2014. Here are just a few highlights:

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The Value of State Funds

There are times when financial or medical hardships make it impossible for us to get insurance coverage. There are also times when unforeseen disasters wreak more havoc than we, or our insurers, are able to pay. It is during these times that state and federal funds can step in and make all the difference.

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Understanding Health Savings Accounts

Health Savings Accounts (HSAs) were introduced in 2003 by President Bush who was, at the time, looking for ways to improve and modernize the healthcare options available. There has been some controversy over the value of HSAs to the average citizen and the most recent statistics suggest that the take-up has been low and is limited to the more wealthy taxpayers. Let’s see how the HSA is designed to work and then discuss whether an HSA might be the right solution to your health insurance problems.

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What is A High-Risk Health Pool?

Thanks to the new healthcare reform bill, high-risk health insurance pools will be opening up state by state. Because people with pre-existing health conditions are riskier to insure (because they already have health issues and are guaranteed to cost the health insurance company money) many of them do not have health insurance policies.

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Which is better: an HMO or a PPO?

Two of the most commonly purchased forms of health insurance are Health Maintenance Organization (HMO) plans and Preferred Provider Organization (PPO) plans. Both employers and the private health insurers offer this choice. But to the average consumer, these words and letters don’t accurately describe the differences between these two insurance types. Before you get your next health insurance quote, you need to understand the differences so you can determine which plan is best for you and your family.

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How Much Do You Need to Spend to Get Good Health Insurance?

Good health insurance doesn’t have to cost an arm and a leg. If you are young and in relatively good health you can probably get an affordable policy with all the bells and whistles you care about. As you age and your health begins to deteriorate, it can become more difficult to find that elusive cheap health insurance policy, but you still have some flexibility in premiums if you know what to look for when getting your quote for health insurance online.

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Is There Such a Thing as a Standard Health Insurance Policy?

When shopping for low cost health insurance, life would be a lot easier if there was some sort of standard insurance policy to buy. But people have such widely varying needs and health histories that a single, “standard” policy is impossible to create. Although people tend to fall into recognizable groups as they fall sick or need treatment, there are always minor differences that should be discussed with the health insurance company before you decide on which low cost health insurance coverage to accept.

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3 Things You Should Know About Health Insurance

If you learn nothing else about health insurance before you look for health insurance quotes online, you should learn the following three things.

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