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  • 1. Saving money on health care Views: 28
    Preview
    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 should I do if I have a dispute with my insurance provider about what is covered and what is not? Views: 25
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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...
  • 3. How much auto insurance do I need? Views: 24
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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...
  • 4. What is generally covered and what is not with a standard homeowners insurance policy? Views: 23
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    Terms of Use: Below we have identified what is generally covered by a standard homeowners policy, but you need to talk to your insurance agent to understand specifically what your policy covers and up to what amount. What's generally covered: Damage to both structures and personal property caused by: fire lightning windstorm (including hurricanes and tornadoes) or hail explosions riot or civil commotion aircraft and vehicles smoke theft or vandalism falling objects weight of ice, snow or sle  More...
  • 5. Choosing a health plan Views: 22
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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...
  • 6. What things can I do to reduce my auto insurance costs? Views: 22
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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. What are the types of permanent insurance that are available -- whole life and ordinary life? Views: 21
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    Terms of Use: Whole Life or ordinary life is the most common type of permanent insurance. The premiums generally remain constant over the life of the policy and must be paid periodically in the amount indicated in the policy. Universal life or adjustable life allows you, after your initial payment, to pay premiums at any time, in virtually any amount, subject to certain minimums or maximums. You also can reduce or increase the death benefit more easily than under a traditional whole life pol  More...
  • 8. How do I choose an insurance agent, and what should I know when working with one? Views: 21
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    Terms of Use: How do I choose an agent? Collect the names of several agents through recommendations from friends, family and other sources. Find out: Is the agent licensed in your state? All states require agents to be licensed to sell life insurance. In addition, agents who sell variable products must be registered with the National Association of Securities Dealers and have additional state licenses. What company or companies does the agent represent? Ask the agent which company he or she   More...
  • 9. What government agencies should I contact if I have questions about COBRA? Views: 20
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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...
  • 10. What are my primary options for receiving benefits if I become disabled? Views: 20
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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...
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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