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Car doctors? Get a second opinion!

admin — Thu, 22 Jan 2009 13:36:49 +0000

Whenever you set up a system, it’s only as strong as the weakest link. Sometimes, the cause of the problem is inside the organization. Other times, the problem is a conflict of interest in the middleman. Whatever the cause, you can get trampled on unless you stand up for yourself. Most days, when you’re driving on the freeway, you get to see the wreckage from traffic accidents. You pass by because it’s not your problem. Auto insurance companies pick up the pieces. She was lucky. It flipped her over but she was unhurt. She did everything by the book. Waited with her car until the police appeared. Gave her statement and was later cleared of all blame in the report. “They dropped me off at an approved car rental agency. One telephone call to my auto insurance company and I was driving again.” She shook her head with a wry smile. “I never thought there were going to be problems. I asked the agent to give me the name of another “certified” repair shop. They took one look at the wreck, laughed and called the claims assessors. After haggling, it was agreed a total loss.” When you’ve got health problems, you look for a second opinion from a different physician if you don’t get the answer you want. The same holds true for auto insurance. Repair shops make money when they repair. You have a right to challenge the first shop’s assessment. Sarah got her check. It was a hassle but she struck to her guns and won out in the end.

Out of work! Could it happen to you?

admin — Tue, 13 Jan 2009 13:49:56 +0000

Hey, I know you don’t want doom and gloom but one of us has to ask the hard questions. So, with the housing market in free fall and price inflation taking off, jobs are less secure. Now is the time to spend a few minutes thinking about what you would do if the unthinkable happened to you. The headline. If you’ve been wise with your money, you’ll probably survive. This is a dramatic way of telling you it’s better to make save and preparations for the worst before the worst happens. If nothing happens, you’re actually better off all round.

Let’s start off with the most vital question. What’s going to happen to your group health plan? All this time, you’ve been sheltered from the hard world of personal health insurance. Wellness plans, life insurance, savings accounts and disability plans are excluded. Your employer should have sent you and your spouse a notice about your rights. If your spouse and children are covered under the plan, they have separate rights to claim COBRA coverage. You all have sixty days from the date coverage under the plan ends to elect for coverage under COBRA.

You must make your first premium payment within forty-five days and thereafter at regular monthly intervals. You will lose coverage if you miss a payment. This means it is always better to send some money rather than no money. If you are short, you get an additional thirty days to make up the payment. Use this breathing space to find new employment, secure in the knowledge that your health insurance needs are covered. That is, assuming you have laid the money by like Aesop’s ant.

In praise of California

admin — Fri, 12 Dec 2008 13:06:45 +0000

In November, 1988, the electorate in California approved Proposition 103 to prevent the massive increases in premiums that were affecting all consumers looking for insurance. After major litigation to decide whether the Proposition was constitutional, it was finally implemented in May 1989 and rapidly revolutionized the rates of insurance across the state which fell by an average of 45% between 1989 and 2001. It is estimated that up to 2006, Californian drivers alone saved $62 billion on their auto insurance rates. Then the Consumer Watchdog combined with other socially active groups to force the insurance companies to abandon the practice of basing rates on the zip code and not your record as a driver. Those deemed more likely to have accidents from the way they drive will potentially pay more. This proposed device will reward the genuine drivers and charge a fair premium to the others. It will also help to save the planet because drivers who maintain a lower average speed use less gas and so produce less emissions. For once, the auto insurance industry would be helping to fight global warming which is very public-spirited it. It estimates that this could produce further average savings in premiums of about $275 per vehicle. It would work by placing a small monitoring device in every vehicle to assess how far you drive in a year and how well you drive. But this device is viewed as an invasion into the privacy of drivers. If the electronic version of the plan does go ahead, it will allow companies to identify consistently low-risk drivers from the time of day they use the roads, the speed at which they drive and the distance they travel. Such drivers will receive the maximum discounts available.

Alternative Solutions for Your Finance

admin — Mon, 10 Nov 2008 07:56:43 +0000

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Dad is not as bright as I thought!

admin — Sat, 18 Oct 2008 14:09:41 +0000

It’s easy to drift through life assuming everything will turn out right. Life has been good to everyone growing up over the last twenty years. There’s an expectation you can get whatever you want. So when your kids went through the admission process for your local college, they probably looked at the question about medical insurancemedical insurance and ticked the box that said your family plan continued cover. They never gave it a second thought.

Melanie was such a student. “I remember asking my Dad and he said, so long as I was in school full-time and under 25, I was OK.” But it turned out Dad hadn’t read the small print. The policy had a term requiring the children to leave their parent’s policy when they graduated from high school. The company had a special policy for health insurance for college students. “So there I was trying out for the cheerleaders. Going for a big move, I slipped and fell awkwardly.

Don’t be taken by surprise. Shop around for medical insurance on the internet. There are many economical policies aimed at the student market both for university and doctoral courses that can take some of the worry off your shoulders when they leave the nest and go live on campus.

Twisted my knee real bad. Not being like the girl in Heroes, that meant an ambulance to the emergency room. Called my Dad on the way. He came over only expecting health problems. The policies are basic healthcare, but get them through all the common health crises. When it comes to your children’s health, it’s not worth taking risks. If they fall sick and don’t have cover, they may not get treatment early enough. Always read your current policy carefully.

Baby boomers get to be seniors at last

admin — Sat, 18 Oct 2008 05:42:17 +0000

As the boomer generation has aged, every part of the social system has had to bend to fit them all in. Now, those who have survived the march of time, are finally approaching retirement making the sale of health insurance guidance a much more competitive market. We caught up with Dave in Oakland and asked how he was preparing for his retirement.

He managed a harassed smile. We looked back at his plans last year. “I was all set up to finally do some traveling. Since my wife died, I’ve been waiting on retirement to take off and see the world.” He was pitched into medical insurance that would give him cover outside the US.

He said he passed the time bugging local agents to give him chapter and verse on all the policies. “Guess I was a little lonely so I did a lot of research.” Then the stock markets went south and all his plans changed. “I’ve been looking more carefully at Medicare. The cover’s not so bad, so I’m looking at policies to top up the cover to get the best budgeted treatments whenever possible.” He smiled. “I’ve been doing the round of the same agents. Boy, were they pleased to see me again.”

We talked about whether he was using the internet. “I’ve been following the AARP’s campaign, Divided We Fail, and their plans for an HMO for Medicare folk like me look interesting. I’ve been using the online sites to get quotes as well. It’s more effort because not all of them are set up to do specialized cover for the elderly, but there’ve been some interesting quotes.”

As more savy people start looking for Medigap policies, the market is likely to get more competitive and the existing discounts and incentives are likely to improve. When actual retirement is coming up, look round carefully for the right cover for you.

Never be afraid to ask for help

admin — Fri, 17 Oct 2008 09:48:42 +0000

All the figures show the number of parents who don’t insure their children is rising. The reasons are all financial. No responsible parent wants to gamble with the health of their children. It’s not enough to refer to poverty as if only a small number are penalized and then move on. The way poverty is defined artificially limits the way in which the government reports the number who have fallen into the category. The reality is that rising medical costs are now making it difficult for even middle class families to pay for health insurance. Gordon and Mary are typical. They have two children. Gordon is self-employed as an electrical contractor. Work’s been pretty good with the boom in housing. Mary works as a legal secretary. They were comfortable until the housing bubble burst and contracting work dried up. He’s been doing odd jobs but their income has dropped to the point when there’s barely enough for the mortgage and food on the table. “The health insurancehealth insurance was the first thing we cut. That and selling the second car to pay off the credit cards.” Gordon was finding it hard to talk about it, so Mary took up the running. “We were embarrassed. Didn’t want to tell anyone we were having financial problems.” She looked round their home with pride. “We worked hard for all this. . . We tried to keep up appearances.” “When Doug, that’s our youngest got sick, we didn’t know what to do for the best. Mary wanted to go down to the Emergency Room at the first sign of trouble but, like I said, it wasn’t an emergency. Not at first.” “In the end, I asked at work. It was a real benefit to be working for an attorney who cared. I became an instant expert on the Balanced Budget Act of 1997. With two uninsured kids under 19, we qualified under the State Children’s Health Insurance Program (SCHIP). We were able to get both kids covered and Doug got the treatment he needed before things got too serious for him.” At least Mary had someone to ask. No matter what your situation, you should never let pride get in the way of your responsibility to your children. There are plenty of people and agencies around to ask. Remember, if you don’t ask for help, you never get any.

Lifestyle Affects Life Insurance

admin — Thu, 11 Sep 2008 15:21:02 +0000

Families care for each other in ways that only families understand. If you are looking to take care of your family you can do so by purchasing the best life insurance possible. It is up to you how you choose to disperse the money, but in the end, having the right type of coverage is important. In the meantime, how you pay and how much you pay is solely dependent upon you. There are ways that you can save money on your health insurance. If you live a healthy lifestyle, you will most likely pay lower rates. If your lifestyle is less safe and more adventurous you will pay a bit more. Don’t be alarmed, though. Unless you are a professional sky-diver or a lion tamer, the difference in rates won’t be staggering, although there is a difference in your rates. Paying the high cost of life insurance doesn’t have to be an immense pain. You can go online and find the right type of agency, one who is willing to work with you and to help you get the coverage your family will appreciate and thank you for well after you’ve gone. Having the right type of health insurance means that you can sleep soundly and enjoy your life knowing that you are still going to be protecting your family.

Party Animals and Couch Potatoes Unite Over Health Insurance

admin — Thu, 11 Sep 2008 14:58:54 +0000

There are many ways in which you can lower the cost of your health insurance. Whether you are looking for the lowest rate, the least necessary coverage, or the quickest policy online, you can find your cheap health insurance, no problem. Think about your lifestyle. Are you a party animal who smokes, drinks tons of alcohol, lives on the edge, and possibly indulges in recreational drugs? If you so, chances are you are not living the healthiest lifestyle and this may present itself in your health insurance rate. Likewise, you should know that if you frequent the gym, enjoy the healthy foods, don’t smoke and live a relatively non-adventurous lifestyle, you may find that your health insurance rates are lower. The point is, there are many ways you can bring those rates and premiums down. Those folks who suffer from chronic illnesses may find that their health insurance rates are higher. In the end, everyone deserves to save as much as they can when they are looking for their health insurance coverage. You can be one of the many people who save a large amount just by looking online. Start your search to day and find out whether or not your partying ways will cost you! Cheap health insurance can be yours now.

Business insurance helps to Save your Eyesight and Vision!

admin — Tue, 09 Sep 2008 13:30:50 +0000

Nothing is promised when you decide that you want to own your own small or mid size business. Everything about the idea of owning a business screams that you are a risk taker, someone who believes in themselves, it is a business with extreme highs and lows, and that you may not be taking everything into consideration. But consider this: having the right type of protection may leave you feeling more positive about how you approach your everyday routines. From day to day you may find that you are happier, less rigid with your employees, you may sleep better at night, and you just might take a vacation from time to time because you can relax and you deserve it. All this is possible when you research online and find the right Business insurance to protect you. Finding the right kind of coverage is easy when you know where to look and can find your policy and rates quickly. In doing so, you can easily see that you are protecting your business and your employees. It’s easy. Just check out and compare at least five policies and agencies. Soon you will be able to weed out the ones that don’t suit you while you aim for the business insurance policy that is perfect. Go ahead! Cover your company now and watch as your outlook on the business world changes!