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  • 1. What should I do if I have a dispute with my insurance provider about what is covered and what is not?
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    Terms of Use: It is not that unusual to have a dispute with your health insurance provider about what they will cover and what they will not. To work through these situations we have provided the following steps for consideration when resolving these types of issues. What ever tactic you opt to take, it always pays to speak with the insurance company before you incur any costs and get the potential expenses pre-approved. In addition, if you do have a dispute, be prepared to be persistent and do   More...
  • 2. What government agencies should I contact if I have questions about COBRA?
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    Terms of Use: COBRA continuation coverage laws are administered by several agencies. The Departments of Labor and Treasury have jurisdiction over private-sector health group health plans. The Department of Health and Human Services administers the continuation coverage law as it affects public-sector health plans. The Labor Department's interpretive and regulatory responsibility is limited to the disclosure and notification requirements of COBRA. If you need further information on your di  More...
  • 3. Choosing a health plan
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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...
  • 4. Saving money on health care
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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...
  • 5. How much auto insurance do I need?
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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 can I do to reduce my auto insurance costs?
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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...
  • 7. When can an insurance company consider my vehicle to be totaled and how is the market value determined?
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    Terms of Use: Your car will be considered to be totaled by the insurance company any time, usually when the costs to repair the vehicle exceeds the costs to replace it. If your vehicle is considered to be totaled, you can expect to receive the vehicle's market value. There are several standard guidelines for determining the market value of your car for insurance purposes. You and your insurer can refer to the Blue Book, which lists the depreciated value of all new and used cars. One Blue Book is  More...
  • 8. What are my primary options for receiving benefits if I become disabled?
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    Terms of Use: You have 4 primary sources providing disability coverage: Through your employer . Some states require that employers of a certain size provide some form of disability insurance to all employees. Through an insurance company that you buy directly yourself . Lots of insurance companies offer disability insurance. Through Social Security . Most salaried workers in the United States participate in the federal government’s Social Security program. Social Security is best  More...
  • 9. Who is entitled to benefits under COBRA?
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    Terms of Use There are 3 elements to qualifying for COBRA benefits. COBRA establishes specific criteria for plans, qualified beneficiaries, and qualifying events: Plan Coverage Group health plans for employers with 20 or more employees on more than 50 percent of its typical business days in the previous calendar year must provide COBRA continuation coverage. Both full and part-time employees are counted to determine whether a plan is subject to COBRA. Each part-time employee counts as a fracti  More...
  • 10. What does Medicare cover?
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    Terms of Use: Listed below is general information on what is covered under Medicare Parts A and B. We have also included links to publications which contain detailed information on specific types of care (for example, prevention services and hospice care). Medicare Part A Medicare Part A (Hospital Insurance) helps cover your inpatient care in hospitals, critical access hospitals, and skilled nursing facilities. It also covers hospice care and some home health care. You must meet certain conditio  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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