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  • 1. Saving money on health care Views: 32
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    Terms of Use: It's estimated that each year on average Americans spend roughly $8,000 per person on health care. Without putting your health on the line, it's good to know where you can reduce medical costs: 1. Generic drugs: Always ask whether the prescription drug your doctor recommends is available in a generic form. Generic drugs can cost 15-50 percent less than name brands, saving you and your insurance company money. 2. Avoid unnecessary tests and visits . If you move or change docto  More...
  • 2. What things can I do to reduce my auto insurance costs? Views: 31
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    Terms of Use: You may not realize it, but the insurance rates you pay for your car can vary dramatically depending on the insurance company, agent or broker you choose, the coverages you request and the kind of car you drive. Listed below are a number of things you can do right now to lower your insurance costs. 1. COMPARISON SHOP . Prices for the same coverage can vary by hundreds of dollars, so it pays to shop around. Ask your friends, check the yellow pages or call your state insurance   More...
  • 3. Where can I buy auto insurance? Views: 25
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    Terms of Use You can buy insurance through an insurance agent that represents one or more companies or directly through the insurance companies that sell policies using their own employees. Buying directly will generally not save you any money. When looking for an insurance agent or company, consult your state insurance department , the yellow pages of your phone book, and most importantly friends and relatives to find out who they have their insurance through and their level of satisfaction. S  More...
  • 4. Choosing a health plan Views: 23
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    Terms of Use: Health care in America is changing rapidly. Twenty-five years ago, most people in the United States had indemnity insurance coverage. A person with indemnity insurance could go to any doctor, hospital, or other provider (which would bill for each service given), and the insurance and the patient would each pay part of the bill. But today, more than half of all Americans who have health insurance are enrolled in some kind of managed care plan, an organized way of both providing   More...
  • 5. How much auto insurance do I need? Views: 23
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    Terms of Use: Almost every state requires you to buy a minimum amount of liability coverage. Chances are that you will need more liability insurance than the state requires because accidents cost more than the minimum limits defined by each state. If you’re found legally responsible for damages that are more than your insurance covers, you will have to pay the difference out of your own pocket. These costs could literally wipe you out financially! The Insurance Information Institute (I.I.I.) rec  More...
  • 6. What things should I consider when buying auto insurance? Views: 21
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    Terms of Use There are five main considerations you need to take into account when picking an auto insurance company. Insurer financial stability Make sure that the company you buy from is financially stable so you know they will be around to pay any claims. The following companies rate insurance company strength: A.M. Best Company, Inc. Ambest Rd. Oldwick, NJ 08858 908-439-2200 http://www.ambest.com Moody’s Investor Services 99 Church Street New York, NY 10007 212-553-0300 http://ww  More...
  • 7. Tell me more about life insurance Views: 21
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    Terms of Use Choosing a life insurance product is an important decision, but it can be complicated. As with any major purchase, it is important that you understand your needs and the options available to you. Why do I need life insurance? The main purpose of life insurance is to provide cash to your family after you die. The money your dependents will receive (the death benefit ) is an important financial resource: It can help pay the mortgage, run the household, end ensure that your depend  More...
  • 8. What steps can I take to lower my homeowners insurance? Views: 20
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    Terms of Use: 1. BE SURE TO SHOP AROUND. It'll take a few phone calls, but they could save you a good sum of money. Ask your friends, check the yellow pages or call your state insurance department. Also check consumer guides, insurance agents and companies. This will give you an idea of price ranges and tell you which companies or agents have the lowest prices. But don't consider price alone. The insurer you select should offer both a fair price and excellent service. Quality service may co  More...
  • 9. Does Medicare or Medicaid cover long-term care cost? Views: 20
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    Terms of Use: Medicare is a federal program that pays for health care for people over age 65 and for people under age 65 with disabilities. Many people assume Medicare will pay for their long-term care expenses, but in fact, Medicare only covers a small portion of the country's long-term care bill. It covers the cost of some skilled care in approved nursing homes or in your home, but only in certain situations. For example, for nursing facility care Medicare covers on average 20 days and n  More...
  • 10. Is a divorced spouse entitled to COBRA coverage from their former spouses’ group health plan? Views: 20
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    Terms of Use: Under COBRA, participants, covered spouses and dependent children may continue their plan coverage for a limited time when they would otherwise lose coverage due to a particular event, such as divorce (or legal separation). A covered employee’s spouse who would lose coverage due to a divorce may elect continuation coverage under the plan for a maximum of 36 months. A qualified beneficiary must notify the plan administrator of a qualifying event within 60 days after divorce or legal  More...
All information provided through this site is intended to be accurate. However, there may be inaccuracies from time to time which we will make every attempt to correct immediately. Information provided is intended to assist you in making decisions and does not eliminate the need to discuss your particular circumstances with a qualified professional.

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