Save Money On Insurance

Compare Insurance Online with one Simple Form For Quotes

Title: Saving Money On Insurance
Author: Chemain Evans

Did you know that you could be overpaying for your insurance
by as much as hundreds of dollars? Most of us have a hard
time getting excited about shopping for different insurance,
but a little time invested can go a long way in saving you
money. Of course, the cost of premiums isn't the
be-all-end-all; quality of service, quick response to
claims, and financial soundness are all important factors to
consider. However, the focus of this article is on getting
and keeping those automobile, homeowner/renter, and life
insurance premiums down. First we'll discuss some
generalities; then we'll get down to some specifics for each
category.

Shop around. Shopping around for insurance will take some
time, but could save you a good sum of money. Ask your
friends, check the Yellow Pages or call your state insurance
department. You can also access insurance information for
your state on the Internet at
http://www.naic.org/1regulator/usamap.htm. States often make
information available on typical rates charged by major
insurers and many states provide the frequency of consumer
complaints by company. Also check consumer guides, insurance
agents, companies and online insurance quote services. This
will give you an idea of price ranges and tell you which
companies have the lowest prices. But don't consider price
alone. The insurer you select should offer a fair price and
deliver the quality service you would expect if you needed
assistance in filing a claim. So talk to a number of
insurers to get a feeling for the type of service they give.
Ask them what they would do to lower your costs. Check the
financial ratings of the companies with AM Best or Standard
and Poor's.

Compare against your current policy. When comparing
companies, have your current policy handy when calling so
you can compare apples to apples. And if you do find a
better policy, absolutely make certain that your new policy
is in effect before dropping your old one.

Use a licensed, low-price insurer. You can save several
hundred dollars a year on homeowner or auto insurance and up
to $50 a year on renter insurance by purchasing from a
licensed, low-price insurer. Call your state insurance
department for a publication showing typical prices charged
by different companies. Then call at least four of the
lowest-priced, licensed insurers to learn what they would
charge you for the same coverage. If such a publication is
not available, it is even more important to call at least
four insurers for price quotes.

Use the same insurer for multiple policies. Whenever
possible, buy your home and auto policies from the same
insurer. Some companies that sell homeowners, auto and
liability coverage will take 5 to 15 percent off your
premium if you buy two or more policies from them. But make
certain this combined price is lower than buying the
different coverages from different companies.

Stay with the same insurer. If you've kept your coverage
with a company for several years, you may receive a special
discount for being a long-term policyholder. This is why it
is important to compare against your current policy. Some
insurers will reduce their premiums by 5 percent if you stay
with them for three to five years and by 10 percent if you
remain a policyholder for six years or more. Check to ensure
that you are getting the "renewal" discount. But make
certain to periodically compare this price with that of
other policies.

Look into group coverage. If your employer administers a
group insurance program, check to see if a homeowners or
auto policy is available and whether it is a better deal
than you can find elsewhere. In addition, professional,
alumni and business groups often work out an insurance
package with an insurance company, which includes a discount
for association members. Ask your association's director if
an insurer is offering a discount on homeowners or auto
insurance to you and your fellow graduates or colleagues. If
you are a member of an auto club, such as an affiliation
AAA, check with that organization as well.

With those general rules out of the way, let's move on to
some specifics.

Auto Insurance

Get your discounts. Make sure you get all the discounts you
may qualify for. Check on discounts for safety and security
features. Safety features can also lower your payments.
Heading the list of money saving safety features is antilock
brakes. Check to see if the insurance company you have or
are considering gives a discount for this feature. Automatic
seatbelts and airbags may also give you premium discounts.

Stay clean. Keep your driver's record clean; avoid tickets,
especially moving violations. Drive a car that is less
popular with thieves, inexpensive to repair, and/or an older
model. When shopping for a new car, check with your insurer
about insurance costs as well.

Raise your deductible. Talk to your agent or insurer about
raising your deductibles on collision and comprehensive
coverages to $500 or more. Deductibles are the amount of
money you have to pay toward a loss before your insurance
company starts to pay a claim, according to the terms of
your policy. The higher your deductible, the more money you
can save on your premiums. If you have an old car consider
dropping these coverages altogether. Taking these steps can
save you hundreds of dollars a year.

Check for a low-risk occupation discount. Insurance
companies collect information about what types of people get
into accidents. Over the years they have seen trends that
show that drivers in certain occupations tend to get into
fewer accidents. These occupations are then labeled
"low-risk". Since, on average, drivers in these occupations
have a lower chance of getting into an accident, insurance
rates for them are lower. Check with your insurance company
or agent if you are in a low-risk occupation.

Homeowner/Renter Insurance

Raise your deductible. Nowadays, most insurance companies
recommend a deductible of at least $500. If you can afford
to raise your deductible to $1,000, you may save as much as
25 percent. Remember, if you live in a disaster-prone area,
your insurance policy may have a separate deductible for
certain kinds of damage. If you live near the coast in the
East, you may have a separate windstorm deductible; if you
live in a state vulnerable to hail storms, you may have a
separate deductible for hail; and if you live in an
earthquake-prone area, your earthquake policy has a
deductible.

Make your home more disaster resistant. Find out from your
insurance agent or company representative what steps you can
take to make your home more resistant to windstorms and
other natural disasters. You may be able to save on your
premiums by adding storm shutters, reinforcing your roof, or
buying stronger roofing materials. Older homes can be
retrofitted to make them better able to withstand
earthquakes. In addition, consider modernizing your heating,
plumbing and electrical systems to reduce the risk of fire
and water damage.

Get the right amount of coverage. Make certain you purchase
enough coverage to replace the house and its contents.
"Replacement" on the house means rebuilding to its current
condition. Don't confuse what you paid for your house with
rebuilding costs. The land under your house isn't at risk
from theft, windstorm, fire and the other perils covered in
your homeowners policy. So don't include its value in
deciding how much homeowners insurance to buy. If you do,
you will pay a higher premium than you should.

Improve your home security. You can usually get discounts of
at least 5 percent for a smoke detector, burglar alarm or
dead-bolt locks. Some companies offer to cut your premium by
as much as 15 or 20 percent if you install a sophisticated
sprinkler system and a fire and burglar alarm that rings at
the police, fire or other monitoring stations. These systems
aren't cheap and not every system qualifies for a discount.
Before you buy such a system, find out what kind your
insurer recommends, how much the device would cost and how
much you would save on premiums.

Seek out other discounts. Companies offer several types of
discounts, but they don't all offer the same discount or the
same amount of discount in all states. That's why you should
ask your agent or company representative about any discounts
available to you. For example, since retired people stay at
home more than working people, they are less likely to be
burglarized and may spot fires sooner. Retired people also
have more time for maintaining their homes. If you're at
least 55 years old and retired, you may qualify for a
discount of up to 10 percent at some companies.

Review annually. Review the limits in your policy and the
value of your possessions at least once a year. You want
your policy to cover any major purchases or additions to
your home. But you don't want to spend money for coverage
you don't need. If your five-year-old fur coat is no longer
worth the $5,000 you paid for it, you'll want to reduce or
cancel your floater (extra insurance for items whose full
value is not covered by standard homeowners policies) and
pocket the difference.

Look for private insurance if you are in a government plan.
If you live in a high-risk area -- say, one that is
especially vulnerable to coastal storms, fires, or crime --
and have been buying your homeowners insurance through a
government plan, you should check with an insurance agent or
company representative or contact your state department of
insurance for the names of companies that might be
interested in your business. You may find that there are
steps you can take that would allow you to buy insurance at
a lower price in the private market.

Buyer beware. When you're buying a home, consider the cost
of homeowners insurance. You may pay less for insurance if
you buy a house close to a fire hydrant or in a community
that has a professional rather than a volunteer fire
department. It may also be cheaper if your home's
electrical, heating and plumbing systems are less than 10
years old. If you live in the East, consider a brick home
because it's more wind resistant. If you live in an
earthquake-prone area, look for a wooden frame house because
it is more likely to withstand this type of disaster.
Choosing wisely could cut your premiums by 5 to 15 percent.
Remember that flood insurance and earthquake damage are not
covered by a standard homeowners policy. If you buy a house
in a flood-prone area, you'll have to pay for a flood
insurance policy that costs an average of $400 a year. The
Federal Emergency Management Agency provides useful
information on flood insurance on its Web site at
http://www.fema.gov/. A separate earthquake policy is
available from most insurance companies. The cost of the
coverage will depend on the likelihood of earthquakes in
your area.

Ask questions. If you have questions about insurance for any
of your possessions, be sure to ask your agent or company
representative when you're shopping around for a policy. For
example, if you run a business out of your home, be sure to
discuss coverage for that business. Most homeowners policies
cover business equipment in the home, but only up to $2,500
and they offer no business liability insurance. Although you
want to lower your homeowners insurance cost, you also want
to make certain you have all the coverage you need.

Life Insurance

The main purpose of life insurance is to replace your income
for your family if something should happen to you. If you
are single, you probably don't need life insurance. If your
kids raised and you have planned well for retirement, you
probably don't need life insurance. Anyone with children
still at home should carry life insurance, unless an
alternative plan is in place.

For savings, choose term insurance. If you want insurance
protection only, and not a savings and investment product,
buy a term life insurance policy. You will probably be quite
surprised at how reasonable it is. There are several
companies that can "shop" the rates for you and help you
narrow down the field. Select the longest term you can
afford and make sure the rates are set for the entire term.

For investment, choose other insurance. If you want to buy a
whole life, universal life, or other cash value policy, plan
to hold it for at least 15 years. It is, after all, an
investment. Canceling these policies after only a few years
can more than double your life insurance costs.

Check your public library for information about the
financial soundness of insurance companies and the prices
they charge. The July 1998 issue of Consumer Reports is a
valuable source of information about a number of insurers.

************************************************************
© Simple Joe, Inc.
Chemain Evans is a quality control specialist for Simple Joe,
Inc., makers of the popular Simple Joe's Expense Tracker PC
software. Expense Tracker is a quick and simple way to keep
track of your expenses and stay within your budget. Expense
Tracker (http://www.simplejoe.com/expensetracker/index2.htm)
is ideal for tracking personal, business, home and club
expenses.

This article may be freely distributed as long as the copyright,
author's information and an active link (where possible) are
included.

Save Money on Lab Tests - Even if your Insurance doesn't cover lab tests

It's a common complaint. Lab Tests can get expensive, even run into the hundreds of dollars, and it they just aren't covered very well by a lot of insurance.

You can take matters into your own hands by deciding who will do the tests!

Click here for Lab Tests Direct, and Control your Medical Testing Expenses!

Car Insurance Buying Tip

When it comes to auto insurance, you want to be adequately covered if you get in an accident but you don't want to pay any more than you have to. So how can you navigate your way through this murky subject?

Keep telling yourself there is money to be saved. How much? Hundreds, even thousands, per year. For example, one of the editors at Edmunds typed all of his insurance information into a comparative insurance service. The quotes (for very basic coverage on two old cars) ranged from $1,006 to $1,807 — a difference of $801 a year. If you're currently dumping thousands into your insurance company's coffers because of a couple of tickets, an accident or a questionable credit rating, shopping your policy against others may be well worth the effort.

Look at it this way — you can convert the money you save into the purchase of something you've desired for a long time. Hold that goal in your mind.

One short Form can save you hundreds of dollars on your car insurance - click here

Disability Insurance for Self Employed and Business Employees

Everybody is concerned with health insurance. However statistics show that many people who have financial trouble because of an illness do have health insurance. What they lack is the ability to "keep the lights on" if they are sick or injured and cannot work.

Disability Insurance has become a hot topic with self employed people like plumbers, accountants, truck drivers, doctors, and of course Insurance agents.

Disability Insurance is usually designed to fill in the gap between an injury or illness and the time it usually takes for social security disability to kick in. Social Security and Medicare take time - months to years - so a long term disability insurance plan can fill in this gap.

CLICK HERE TO COMPARE AND QUOTE DISABILITY INSURANCE IN YOUR AREA.

Insurance - QuoteUs has a face Lift

If you haven't visited 247QuoteUs.Com for awhile, please stop again. My insurance quoting website just got a facelift so it's a lot less busy! It should be easier for you to find the insurance and benefit information you are looking for .... PLUS You can compare insurance policies, get local quotes (as they vary by zip), and find a local insurance agent.

Car Insurance Quotes
Health Insurance QUotes
Homeowners Insurance
Long Term Care Insurance
Life Insurance
Renters Insurance
Check out the new look of 247quoteus.com

Insurance - QuoteUs has a face Lift

If you haven't visited 247QuoteUs.Com for awhile, please stop again. My insurance quoting website just got a facelift so it's a lot less busy!

You can compare insurance policies, get local quotes (as they vary by zip), and find a local insurance agent.

Car Insurance Quotes
Health Insurance QUotes
Homeowners Insurance
Long Term Care Insurance
Life Insurance
Renters Insurance

Check out the new look of 247quoteus.com

Do you need car rental insurance.

I know this subject comes up a lot when people are renting a car. The car rental company will usually offer you extra insurance when you are checking out a rental car. Do you need it?

I found a good article on the subject at the Colorada State University Extension Website.

Click Here for Do you need car rental insurance?

Do you need car rental insurance.

I know this subject comes up a lot when people are renting a car. The car rental company will usually offer you extra insurance when you are checking out a rental car. Do you need it?

I found a good article on the subject at the Colorada State University Extension Website.

Click Here for Do you need car rental insurance?

Do you need car rental insurance.

I know this subject comes up a lot when people are renting a car. The car rental company will usually offer you extra insurance when you are checking out a rental car. Do you need it?

I found a good article on the subject at the Colorada State University Extension Website.

Click Here for Do you need car rental insurance?

U.S. Lags beghind in Medicine

U.S. trailing other nations in medicine

The U.S. falls short of other nations in outcomes and quality of medical care, even though it spends 16% of its gross domestic product on health care, totaling much more than what other countries spend. A new health care scorecard from The Commonwealth Fund gives the U.S. a grade of just 66 out of 100, based on key indicators, such as measures of preventive and primary care, universal health coverage, efficient delivery of care and equity in the health system. The U.S. is not a leader in the adoption of health information technology, the Commonwealth Fund notes. The scorecard is based upon 37 scored indicators in the areas of health outcomes, quality, access, efficiency and equity.

"The overall picture that emerges from the scorecard is one of missed opportunities and room for improvement," the authors write. "While the top tier of the system achieves excellence in some areas, the uneven performance across the country indicates a need for major improvement."

The scorecard shows especially low scores for U.S. health care at the beginning and end of life. It ranks the U.S. 15th out of 19 countries in deaths potentially preventable with excellent medical care. Furthermore, it finds less than half of adults in the U.S. received preventive and screening tests according to guidelines for their age and sex. At least 34% of adults under age 65 have problems paying their medical bills or have medical debt they are paying off over time.

Health Insurance - Doctor Copays for Office Visits - Are they Worth it?

Almost everybody who buys insurance from me wants health insurance with a copay for doctor's office visit. They seem to think this is a standard part of any health insurance plan. However, more and more health insurance for individuals is being sold without a doctor copay, OR it has an option to leave the copay off.

WHAT DO I THINK ABOUT DOCTOR COPAY?

Personally, I think that people should consider leaving this option off. A few companies also include testing with the doctor's copay BUT MOST COMPANIES only use the copay for the actual doctor's visit. Any shots, testing, or treatment may fall under the deductible.

In addition, the premium for the doctor's copay, can add 25% to your monthly bill! If you visit the doctor a couple of times a year, does it make sense to pay an extra $100 a month so you can pay $40 to go to the doctor? Of course, if you tend to visit the doctor several times a year, you may find a doctor's copay to be worth it to help you budget.

COMPARE HEALTH INSURANCE QUOTES OR FIND A LOCAL AGENT

Health Insurance - Doctor Copays for Office Visits - Are they Worth it?

Almost everybody who buys insurance from me wants health insurance with a copay for doctor's office visit. They seem to think this is a standard part of any health insurance plan. However, more and more health insurance for individuals is being sold without a doctor copay, OR it has an option to leave the copay off.

WHAT DO I THINK ABOUT DOCTOR COPAY?

Personally, I think that people should consider leaving this option off. A few companies also include testing with the doctor's copay BUT MOST COMPANIES only use the copay for the actual doctor's visit. Any shots, testing, or treatment may fall under the deductible.

In addition, the premium for the doctor's copay, can add 25% to your monthly bill! If you visit the doctor a couple of times a year, does it make sense to pay an extra $100 a month so you can pay $40 to go to the doctor? Of course, if you tend to visit the doctor several times a year, you may find a doctor's copay to be worth it to help you budget.

COMPARE HEALTH INSURANCE QUOTES OR FIND A LOCAL AGENT

Long Term Care Insurance - Do you Need it?

Do Americans Need Long Term Care Insurance?

Americans should consider Long Term Care Insurance because Medicare will only pay for short stays in nursing homes. As Americans live longer, the odds that older people will spend time in a nursing home are escalating. Nursing homes cost $1000's of dollars a month, and that stay can wipe your assets out quickly. Then seniors are forced to rely on Medicaid and charity, they may lose everything they wanted to leave to their spouse and children, and are limited on their choices of nursing homes, or other long term care options.

How can you find out about Long Term Care Insurance?

Start With Insureme to find a local agent or compare long term care insurance plans in your area online.

Insureme Performs 100,000 insurance quotes a month, and can provide online insurance quotes, compare insurance plans, and refer you to a qualified local insurance agent in your area. I would suggest research like this to determine if you need long term care insurance, and to determine which kind of long term care insurance would be best for your needs and budget.

Long Term Care Plans come in lots of varieties and flavors, and it may help to have an agent look at your needs and budget to come up with a plan that will work for you. Some have daily benefits that are fixed, and some have an inflation rider. Long Term Care Annuities are gaining popularity as well.

Bad Faith and Good Faith Insurance Companies

If you are looking into an insurance change you might want to check out this site:

Bad Faith Insurance

As always, take sites like this with a grain of salt. You can't please everybody, and companys have rules. Sometimes complainers expect too much. But it does pay to do your homework when buying insurance.

Get a Quick Insurance Quote and Find a Local Insurance Agent!

Health Insurance - PPO HMO INDEMNITY - What are they?

Health Insurance Policy Options

This is from Path2USA

Insurance Plan:
There are three kinds of medical insurance you can get viz. HMO, PPO and POS plan. The basic difference between these plans is the cost, and the flexibility in choosing a physician.

1. What is HMO?
HMO stands for Health Maintenance Organization. HMO is a company that offers health plans, which provides medical care from an approved network of doctors, hospitals, and pharmacies. The patient needs to pay some set minimum fee per visit. These fees are usually much lower than PPO (Preferred Provider Organizations).

Advantages of HMO:

Nil or very low deductibles.
Comprehensive benefits.
Preventive care is often good.
Disadvantages of HMO:

HMO plan includes only a particular chain of hospitals and doctors.
The patient must see doctors within the network.
The patient must get permission from the primary physician to see a specialist, or the HMO may not pay for the services.
HMO's often refuse to pay for the emergency visits, if they don't consider it as a true emergency.
2. What is PPO?
PPO stands for Preferred Provider Organization. PPO allows patients to see a specialist without a referral from a Primary Care Physician. They have a wider range of doctors to choose from. The direct access to specialists is good for people who have chronic illness, or in case of urgent care and emergencies. Patients can get appointments with their preferred specialists as and when required.

Usually, a PPO will pay a greater percentage of the cost for a preferred provider, and less for a non-preferred provider.

Advantages of PPO:

Patient can visit any doctor and hospital. They are categorized as preferred and non preferred providers.
PPO covers all preferred providers according to their policy.
Disadvantages of PPO:

For all non preferred providers PPO covers only 80% of all the expenses, depending on your insurance company rules. And rest has to be paid by you.
3. What is POS?
POS stands for a Point of Service plan, which combines the cost savings of a HMO with the flexibility of a PPO. Find out the details and rules from your medical insurance company.

FAQ?

What to do after you get a HMO plan?
Once you've signed up and received your HMO plan, be sure to read your policy thoroughly and carefully. You should know answers to questions like:

Which doctors, hospitals you may see
What procedures are covered and what aren't
How are emergency visits handled? And what procedure you must follow to get the full coverage
What kind of cases come under emergencies (As they may deny coverage, if they don't consider your problem as an emergency.)
What is the co-payment cost (i.e. How much you will have to pay per visit?)
Find out the procedure for claims, if any.
What to do after you get a PPO plan?
Always find out which doctors and services are considered preferred and which are non preferred.
It is always better to go to the preferred providers, as the PPO plan would give full coverage for them. You will only have to pay for the co-payment. But for a non preferred provider, your co-payment is quite higher compared to the preferred provider.
Always read your policy very carefully.
Find out the procedure for claims, if any.
What is a Primary Care Physician?
A primary care physician manages your entire health care program. One has to first visit his/her primary care physician for any kind of medical problem. In case you require a specialist, then your physician should refer you to a concerned specialist.

Can I change my primary care physician?
Yes, one can change his/her primary care physician maximum once a month. But it is always better to stick to one physician. Find out the rules form your insurance company. Normally to change, you will just have to call up the new physician you want to be your primary care doctor, and then inform your insurance company about the change.

What is a Chart Number?
This number is given to each patient, and it refers to a file which has all the records of your prior tests, ailments, etc. This number makes it easy for the person at the reception to make your future appointments and is also a reference for your doctor. You will be required to provide your chart number whenever you call or visit a doctor.

What is difference between Urgent Care and Emergency Services?
Taking appointment for any ailment is a time taking process, hence every hospital provides urgent care and emergency care services. These are the quick medical care services provided by almost all medical centers.

Emergency services are those services required as a result of unforeseen injuries or acute illness, for which a delay in treatment would result in a permanent physical impairment, or loss of life. Such as heart attacks, strokes, poisonings, sudden inability to breathe etc.

On the other hand, urgent care includes less serious medical conditions which require immediate attention. Such as fever, fractured bone, any cuts which require immediate attention, etc.

** Note: Always make sure from your insurance company as to what situations are treated as urgent and emergency. If possible, it is better to contact your primary care physician in an urgent situation and arrange for your immediate care.

What are Preferred and Non Preferred providers for a PPO plan?
PPO is a network of physicians that have agreed, by contract, to discount their rates for the respective PPO members. These physicians, specialists are known as preferred providers, and PPO members are free to see any of them, without any reference from their primary physicians.

PPO members may also see non-contracted providers, these are known as non preferred providers. The co-payment fee for seeing a non preferred provider is generally higher than the preferred providers.

How to get medicines from a pharmacy?
Read your insurance company's manual to find out which are the pharmacies included in your plan. Select the nearest pharmacy to your place. For all prescribed medicines, you will have to pay the minimum fee, and rest will be covered by your insurance. But your insurance won't cover other medicines, which can be picked directly off the shelf from the stores.

Reduce a Car Insurance premium faster by refinancing your car loan!

Reduce Car Insurance Bills By Refinancing a Car Loan.

Our buddies over at Gas Blues point out thatyou may be able to refinance your car loan. If you have shown a good credit history, plus have paid off some of the balance, you should be able to qualify for better interest rates. Your car loan can get paid off quicker, and this may allow you to reduce your insurance bills in a number of ways.

1. Your loan amount would be cheaper.
2. If your car is paid off, you may choose to reduce collision coverage, and just keep the liability.

Cars - The Insurance Institute for Highway Safety - How safe is your car?

I write about health issues a lot because that's a big part of what I do. But car insurance is really on most people's minds - in most state liablity insurance is mandatory so just about everybody has to have it.

If you're considering a car purchase, you may want to go to the Insurance Institute For Highway safety. This page on the website updates you on the current research for:

INJURY, COLLISION, & THEFT LOSSES
by make and model, 2003-2005 models

How to get Free Health Insurance....

Free Health Insurance?

Sorry, fellow Americans THAT WAS MEAN!

I just found this article about Europeons who want to travel to other EU countries. They can access the health services of other EU members for free... AHHHH....sounds like civilization, huh?

Sorry, I've had a bad day telling a half dozen pregnant women I couldn't really help them out getting health insurance, unless they can qualify for Medicaid or get on a group plan QUICK!

Well, anyway, if you're still living in the Usa - like I am - you can get competitive quotes here....

Insurance Quote Co. Does Almost 100,000 Insurance Quotes in August!

Well, insureme must be doing something right!
I go back and forth on the subject of internet insurance quoting, but apparently it is gaining popularity.

I still the best approach for a consumer is to do their research on the internet, and then to check with some local agents. You - as a consumer - can compare premium rates, find out what policies cover, and know which insurance companies are highly rated by services like A.M. Best, Standard & Poor's etc.

Then - when you have an idea of what you can buy for the price you spend, you can site down with an insurance agent pretty confident in your decision.

Of course, I still recommend InsureMe as a place to get quotes, and find agents in your zip code. Click Here to access InsureMe. A quote Only takes about 5 minutes.

Health Insurance - Good Things to Know!

CNN Posted a good article about health insurance. The first point was that health insurance costs alot, but not having health insurance costs more! Wow.

Here's the CNN Health Insurance article Link - It opens in a new window.

The article also points out that if you employer offers a group health insurance plan, then consider yourself lucky and grab it. I think that is usually good advice. It will often be a better deal than what you can get individually if your employer subsidizes it. If you employer does not subsidize it - well, I'm not sure I always 100% agree with the CNN article. Sometimes Group Health insurance is very expensive because they have to take the whole company - health conditions or not - where individual health insurance is underwritten for everybody - so healthy people get off better.

Reprint From the article - Link is above - Again, I think the article is generally correct - but I could argue some points.
1. Insurance costs a lot but having none costs more.

There are sensible ways to save money on insurance, but skipping coverage isn't one of them. Medical bills from even a minor car accident can deplete your savings -- a major illness can push you into bankruptcy.

2. If your employer offers insurance, grab it.


Group coverage, particularly when it's employer-subsidized, is almost always a better deal than anything you can get on your own, even if you're young and healthy. If you're NOT young and healthy, it's definitely a better deal.

3. Comparing plans is tough but necessary.

Unfortunately, there is no such thing as standard coverage. Benefits and costs vary widely from plan to plan. If you have choices, you'll have to examine each one closely to find the best deal.

4. The lowest premium isn't always the cheapest plan.

What your insurance covers is just as important as, and sometimes more important than, what you pay up front. Ultimately, the cheapest plan is the one with the best price for the benefits you're most likely to use.

5. Even good coverage can have big loopholes.

You can count on your health insurance to cover you for a hospital stay. Most policies cover doctor visits, but benefits for mental health, prescription drugs and dental care are strictly optional.

6. You'll pay more for freedom.

Plans with the most comprehensive coverage at the lowest out-of-pocket cost require you to use a specified network of hospitals, doctors, labs, and other providers. The more flexibility you demand, the more you'll pay, in either premiums or co-payments.

7. You can check out networks before signing up.

A growing number of public and private sources compile information on the track records of individual doctors, hospitals, and health plans.

8. You can keep your insurance if you lose your job.

State and federal regulations protect you from losing your health coverage just because you lose your job. Unfortunately, they offer little protection from high premium costs.

9. Working couples have more to think about.

If you and your spouse both get health insurance at work, you must sort out whether it makes more sense to have two policies or for one of you to cover the other. If you have kids, you need to decide who's going to cover them.

10. Tax breaks can help.

Ordinarily medical expenses, including insurance premiums, are not tax deductible until they exceed 7.5% of your income. However, if you're self-employed or your employer offers a flexible spending account, you can get a tax break without meeting the threshold.

Insurance Agent Leads - Looking for clients in all the wrong places.

O.K. I usually post about insurance issues for clients. However, I know a lot of insurance agents check in here, and I got the idea to start another blog for insurance agents.

I'd love it if you'd check in and comment. The idea here is to talk about qualify products, clients service, and that all important quest - prospecting for clients!

Join me at leadsinsurance.blogspot.com for the insurance agent discussion.

Online Insurance Quotes - Are they working

The buzz is all about online insurance sales and online insurance quotes. I catch ads for different companies like esurance on TV all the time. TV ads are telling the people to go to the computer to sites like esurance.com and then getting an insurance quote. Then you can quote, and even buy and print your insurance proof cards online. Is this a good thing?

Well, it can be a good thing. As I've written before, some people get upset because the initial premium that is quoted on their computer screen doesn't end up being the final price. There are lots of reasons for this, and it doesn't mean you have been cheated or anything. The company may quote a standard risk, or even a preferred risk, and you could check in as a high risk.

Personally, I prefer an insurance quoting system that lets you compare several companies - not just one.

Here's an easy insurance quoting system that lets you compare several companies online, or contact a local agent in your zip.

Just enter your zip code and the type of insurance you are looking for - i.e. car insurance, health insurance, etc., and you will start the quote. The screens will guide you through the information they need to complete the quote.

Of course, you'll have to enter your zip, etc. because rates are different in different areas.

Can I find Cheap Insurance???

A Frequently Asked Question (FAQ) about insurance: WILL I FIND THE SAME PRODUCT FOR LESS THROUGH ANOTHER QUOTE SERVICE, AGENT, OR BROKER?


No. A life insurance policy with all the same features will be the same price no matter where you purchase it. Life insurance companies, not agents, set the pricing of the plans.


If you find a plan with a different price than one you’ve been quoted, you may be looking at a different risk class. Ask yourself the following questions: Did a licensed professional help you determine your risk class? Was information gathered on your family history, health, height, weight, medications, tobacco use, hazardous activities, and driving records? Were your responses considered in your rate quote or were you simply quoted the overall lowest rate on the market?

To ensure you receive an accurate quote, professionals gather information on your health and lifestyle before determining your risk class. That’s why it’s important that you answer all questions honestly. A licenced professional, or a little research, can come up with a reasonable quote.

Health Insurance and Your Business or Profession

It's no big secret. High insurance premiums - particularly employee health insurance - can drive business owners to distraction. I cannot tell you how many times I have talked to a small business owner, and a rise in group premium has left him with a huge dilemna. He either needs to cut his health insurance contribution, cut the quality of his health care program, or maybe even fire somebody to contain costs. One serious health problem in a small business can raise his group premium beyond all expectations - sometimes 80% increases are had in one year - and 40% increases are not uncommon!

One solution is raising the employee contribution. Another solution is to offer employees a choice. A higher deductible health plan or a plan with more limited benefits will keep employee contributions level. However, if the employee chooses to keep his same coverage, than he will need to raise the amount taken out of his paycheck for health insurance premiums.

One other choice is to use supplemental insurance to bridge the gap in insurance policies with higher deductibles or less coverage. A lot of times the supplemental insurance premium added to a higher deductible (or limited benefit) health plan will be cheaper than the health plan that is expected to address every cold or hang nail.

It's not a great choice, and maybe Uncle Sam is the only saving grace here. Employee contriubtions and employer contributions are often tax deductible. If the premium dollar reduces the payroll, the payroll tax is also reduced. This can save both the business owner and the guy on the job some money.

A well informed insurance agent can analyze your situation and come up with some options.

Click Here to Compare highly rated insurance companies, or to find a local health insurance agent in your area. You will need to enter your zip and other information so the process can begin.

If you are a health insurance agent who would like to address health insurance concerns, you may be able to increase your contacts by clicking here.

Health Insurance Quotes from Your Home Computer

Lots of sites offer health insurance quotes online from the internet, but I'd like to point out a couple of favorites. I would pick these sites for health insurance because they allow you to do business the way you want to.

In other words you can run your insurance quote, and then if you choose, apply for the health insurance right from your computer! You can also run quotes, and then have the contact information for a local insurance agent. I think many people would actually like to speak with an agent to understand what they are choosing.

Remember, you should choose health insurance to protect your assets....and maybe not to fix every hangnail - that's the way you can buy good protection and still have a premium that's affordable.

TEXAS ONLY - CHOOSE FROM MANY ASSURANT HEALTH INSURANCE PLANS OR CONTACT AN AGENT NEAR YOU

NATIONWIDE HEALTH INSURANCE QUOTES AND INSURANCE AGENT FINDER BY YOUR ZIP CODE

Why did my policy come back more expensive than the online insurance quote? Is this an insurance scam?

Hi,

One of the most common questions and/or complaints I hear about online insurance quotes is from people who's actually policy got delivered with a higher premium than the initial quote. This tends to upset people, especially if the policy was not delivered by an insurance agent who took time to explain the higher price.

I have to say that insurance companies are one of the most highly regulated industries by state and federal governments. It is unlikely that a licensed insurance company is out there scamming people on the internet. But like any other company, they may be a little - shall we say - optimistic when promoting their products.

Let me tell you a story. I was on a life insurance appointment, and I gave a nice lady her premium quote. She told me that she had done an online insurance quote which was about $10/month cheaper. I looked at the price and compared it to my own company. Then I explained that she might qualify for a similar rate, but only if the policy came back 'preferred'.

Her face lit up, and she said, "Oh yes, that's what I selected...a preferred rate." I tried to explain that you cannot just select a preferred rate but have to qualify by health history, credit, and other factors. I'm sure the situation is similar with car insurance, only they would consider a driving record.

The lady didn't get it. I did not make a sale. See, I am usually conservative and quote a standard rate while explaining that I will try to make a case for a preferred rates. Apparently the online websites are quoting preferred rates and hoping the consumers will accept a higher rate in case they don't qualify.

I hope this story illustrates why advertised rates may seem better than agent quotes - and why sometimes the advertised rates won't be YOUR premium rate.

I like this insurance quoting service because you can get online insurance quotes, and also a local agent finder. That way, if you have questions about some of the plans outlined on the internet, you can follow up with a call to a local agent.

INSUREME - CLICK HERE FOR ONLINE QUOTES AND A LOCAL AGENT FINDER


If you are a local insurance agent - i.e. you provide life insurance, health insurance, long term care insurance, auto insurance, and/or homeowners insurance, you can find out how to get listed with insureme. You can help inform consumers, and if you provide good service, it should help you grow your business. Insurance agents, click here to find out about insurance leads with insureme.

National Health Insurance

I know...I know...

It's probably heresy for a life and health insurance agent to advocate for some sort of national health insurance for all Americans....BUt I'm here to tell you...we need to do something.

How can middle income Americans afford to lay out 5,000 a year for health insurance for their families? Well, I've done it by driving very old cars into the ground, eating lots of beans, etc....

And you may say that's a valid choice. But it's a choice I can make. What about others who cannot even come up with the premium because they are already skimping on other things to survivie.

Plus we've already discussed the problems of people with high risk problems like diabetes, cancer, current pregnancy, etc. in getting any sort of insurance plan.

Here's a Link to a National Health Insurance Bill from John Conyers of Michigan.

...and until that day comes, go quote yourself some health insurance....

Women and Insurance Part 2

According to the Kaiser Family Foundation, as the cost of health insurance continues to rise, women face more challenges. They are less likely to have health insurance from work, and are more likely to be the health decision maker for their families.

More than 17 Million American women are uninsured. Here's a Link to the Article on Women and Health Insurance

I've also started a topic on this, and I'd love to have a discussion on Women and Health Insurance issues. If you have questions, people will be available to try and anwer them! Here's a Link to the Woman Work Message Board.

Women and Insurance

Women may have special considerations when it comes to life and health insurance. For instance, in the same premium class by age and health, life insurance is usually a little cheaper for women. However, health insurance is more expensive..

As I have posted before, young people often consider health insurance a luxury they really don't need. However, I am often called by young women (or their signifigant others) to find health insurance after the woman has already gotten pregnant. This is a big problem.

Also, women may need to get their children on health insurance. They may have options like CHIPS or Medicaid if they are fairly low income. If they cannot qualify for government insurance for children, they may be shocked that they can usually only get a child's rate if an adult is also on the policy. If all of the people on the policy are children, the oldest child usually gets the youngest adult rate - and usually a stardard (not preferred) rate. They may actually find it doesn't cost that much more to put an adult on the policy than to put everybody on the policy.

I have started a new website for women. I call it WomanWork - because we all do our own work. Network, talk and read about issues we face, and maybe even find an online home.

Click Here to Join me at WomanWork!

Houston Texas Tops for Patient Trust In Doctors

Well, here's some good news for Texans. Patients in Houston - home of the famous Medical Center - trust their doctors!!! Besides that Dallas ranked second.

It was interesting to me that patients in big cities trusted doctors more than people in rural areas.

Read The article about Doctor Trust, and see all of the statistics by clicking this link.

Research Insurance Blog is Really Awesome

O.K. let me take a break from the insurance blues to blow my own horn!

This blog - yes Research Insurance or http://researchinsurance.blogspot.com has been selected as one of the AWESOME MILLION!

Here's My AWESOME LINK

California Cosiders State Health Insurance

California is toying with the idea of a state run health insurance plan, based on income. READ THE ARTICLE ABOUT CALIFORNIA'S HEALTH INSURANCE PROPOSAL

I have a simpler idea.

I think the government should offer a catastrophic plan to citizens. It might be modeled after Medicare Part A, the "hospital" coverage plan given to senior citizens and some disabled people.

I don't know how it will be funded though. Again, perhaps it should be funded with premiums based on income - or maybe a big bake sale (LOL).

I don't even know how Medicare Part D (RX plan for seniors) will get funded. Do You?

Get the Insurance before you get pregnant! PLEASE!

I get this call about 3 times a week.

HELP. I/My Wife/My Girlfriend/a friend of mine is pregnant and we need health insurance.

Look - no individual health plan will pick up a pregnant woman - at least, none that I know of. Most individual health plans don't even cover a normal pregnancy anyway. This really is something to consider. Having kids is expensive. It even gets more expensive after they are born.

The thing is...most individual plans will not even begin coverage on ANYBODY IN THE FAMILY - if the woman is pregnant. It's rough, but true. Why? Well, if they cover the dad, then they have to pick up the baby as soon as it's born without underwriting. That's fine - they will do that if the parents have coverage before the prengancy - AFTER THE PREGNANCY, YOU HAVE TO WAIT UNTIL THE BABY IS BORN. (whew, sorry for shouting).

If you are pregnant, and do not have any coverage, you have a couple of options. You can look at Medicaid, but you have to meet low income guidelines. I understand that the guidelines are a little more relaxed for pregnant women, but you would have to check with your state medicaid office.

You may still be able to get on a group plan. I am lead to believe that group plans cannot consider pregnancy a pre-existing condition. Of course, you would have to have a job (or a spouse with a job) that provided group coverage.

Otherwise, you can join a network - not insurance, that at least would give you negotiated rates for services. We all know that insurance companies pay much less for services than uninsured people pay (or at least get billed for).

Whatever...it is much better to consider the expense of a pregnancy before doing the deed. Accidents do happen.

You may also consider Maternity Card. They will provide network discounts, the names of doctors and hospitals that are willing to work with uninsured pregnant women, etc. MATERNITY CARD AND AHCO WEBSITE

Almost 50 Million Americans without Health Insurance

The U.S. Census bureau just released the bad news: 46.6 Americans are living without health insurance.

LINK TO THE ARTICLE AND COVER THE UNINSURED

Dr. Risa Lvisso-Mourey, President and CEO of the Robert Wood Johnson Foundation noted today that this news should cause all Americans - and especially our nation's leaders - to reflect on the economic, moral, and medical concerns that arise then tens of millions of our fellow citizens have no health insurance coverage of any kind.
=======================================

If you've been thinking about health insurance - would like a price or a local agent in your area, insureme has a decent service. YOu can get a quote online, plus get a list of local agents in your area.

FREE INSURANCE QUOTES AND HEALTH INSURANCE AGENT FINDER

Drug Companies Helped Finance Medicare Part D (Drug Coverage) Program Advertisements

Well, one of the big stories on Yahoo today was about how the drug companies helped finance Medicare Part D RX Programs for senior and others on Medicare. Here's a link to the story: Drug Companies Help Finance Medicare Prescription Plan Advertisements.

BIG SHOCK! NOT!

See, drug companies actually stand to benefit. The small premium that seniors are asked to pay is obviously a fraction of the real premium. The federal government is picking up the rest. Where are they getting the money to pay for this prescription program? Beats me!

Anyway, the plan is great if it really helps seniors to access medicine they need. Nobody's arguing that. And of course, the drug companies would love insurance companies to pay for those drugs, and the insurance companies would love the federal government to pick up the premium price tag.

Many senior were actually better off with prescription assistance programs that came straight from the drug companies - but all of those ended with the entry of Medicare Part D (Drug Plan). Anyway - it's all a great idea - I just hope somebody figures out how to pay for it.

Are any limited benefit health insurance plans legitimate?

Limited Benefit health plans often get a bad rap - and sometimes they earn it. We all have read the buzz about the famous Wal-Mart plan with a $1,000 cap. Yup, that pretty much bites.

However, some limited benefit plans have much higher limits, and they work with a PPO to contain costs. I.E. they pay according to a 'schedule', and doctors who agree to be in the network have agreed to keep their costs within that schedule.

Limited Benefit plans also tend to ease up on the underwriting. They accept diabetics, people with recent heart conditions, and older people. They also tend to cost a lot less than the state risk pool. So for many working people, a limited benefit plan may be their only option.

So - the point is - if you cannot qualify for major medical because of health conditions or costs, limited benefit health insurance plans can be an option to consider. It is important to consult with a licensed agent - ask lots of 'what if' questions, and make sure the company is a highly rated company.

FIND A LOCAL HEALTH INSURANCE AGENT OR PERFORM A QUICK ONLINE HEALTH INSURANCE QUOTE

Long Term Care Insurance - More News and Articles

Well, I'm a little surprised, but the most common activity for my surfers are articles about Long Term Care Insurance.

I've posted about Long Term Care Insurance in the past, but here's an update:

LONG TERM CARE ARTICLE

As always, you can find a local agent, or get a quick online quote here:

LONG TERM CARE INSURANCE QUOTES AND AGENT FINDER

Please see some of my previous articles on long term care insurance. They cover issues like determining your need, various options, etc. This would cover the case of people (usually seniors) needing a nuring home, assisted living, home health care, etc..... Long TERM ARE - as opposed to short term care - is not something MEDICARE handles.

Homeowners Insurance Rates Are Rising for Many!

Many surfers on this page are struggling with a raise in their homeowners insurance rates.

QUOTE HOMEOWNERS IN YOUR AREA OR FIND A LOCAL AGENT BY CLICKING HERE!

Within the last 12 months, we've seen our share of disasters: hurricanes, severe winter weather, floods, wind damage, plus global instablity -- it's not surprising that rates would raise a little. However, we were all unprepared for the increases that we've seen. I've also seen adjusters get a lot tighter on issuing claim money.

It may be time to do some shopping.

Having Trouble with High Priced Homeowners Insurance? Lots Are

You'd think the most common quote request would be for car insurance, and we do get a lot of auto insurance quotes made off of the links on this site. However with the hurricane and storm damage this past year, we are really seeing a high quanity of homeowner's insurance quotes.

CLICK HERE FOR A QUICK HOMEOWNER'S INSURANCE QUOTE

High risks for storm damage, mold, inflation etc. are all combining to increase insurance rates.

TEXAS INFO - BUT I'M SURE YOU'RE STATE HAS SOMETHING LIKE THIS -

The best consumer resource for finding insurance is the Texas Department of Insurance (TDI). TDI’s Web site, www.tdi.state.tx.us, has plenty of useful information for Texans shopping around for insurance; in fact, the department recently launched a separate Web site, www.helpinsure.com, designed especially to help Texas consumers find the right insurance company for them. If, despite their best efforts, a consumer can’t find a company to insure their home, then they should:

1. Collect and write down the details about the following information:

• why the home is being denied;
• location and condition of the home;
• type of plumbing used in the home, such as copper or PVC; and
• maintenance records from the current or prior homeowner.

2. Call TDI at 1-800-252-3439. The more particulars the consumer can provide, the more the department can help.

For consumers who are having trouble finding homeowners insurance, TDI’s Market Assistance Program (MAP) can also help; just call 1-888-799-6277. Other resources for finding insurance in Texas include www.insuretexas.org, and the Texas Coalition for Affordable Insurance Solutions (TCAIS) Web site, www.tcais.org.

FIND AN AGENT

Long Term Care Insurance - More Info since yesterday

I posted yesterday about long term care, and the various ways to pay for it. Since then I've stumbled across a good article to determine if Long Term Care Insurance is right for you. No doubt about it - long term care in nursing homes or, even, at home, is sky-high. You need to look at your own situation to decide if you would like this additional insurance protection.

PRICES LONG TERM CARE INSURANCE QUOTE

Of course, before you make a final decision consult a trusted accountant, elder-care attorney, and/or insurance agent. As you know, any one of these three types of people could have agendas in their advice - even attorneys will sell financial products these days!

LONG TERM CARE INSURANCE ARTICLE

Compare Insurance Online - Homeowners, Auto, Health, Life, Long Term Care, Annuities!: Long Term Care Options

Compare Insurance Online - Homeowners, Auto, Health, Life, Long Term Care, Annuities!: Long Term Care Options

Long Term Care Options

MEDICARE AND ANNUITIES
I have posted in the past about Long Term Care Issues. Medicare DOES NOT COVER LONG TERM CARE. It will cover short stays in nursing homes. For more specific information please go to:

MEDICARE OFFICIAL WEBSITE WITH LONG TERM CARE INFORMATION

PAYING FOR LONG TERM CARE
The tradional options for paying for Long Term Care (which can run around $4,000 a month) are personal finances, long term care insurance, or depleting all savings - and ending up filing for Medicaid.

LONG TERM CARE INSURANCE
Of all of these traditional options - Long Term Care Insurance is probably the most attractive. However, as people age, premiums can get very expensive. Plus, prices rise - so that $100/day policy which looked great in 1995 - may not pay the bills in 2005. The real drawback to most long term care policies - though I do think they can be a very viable solution - is that if the policy is never used, that money is lost. However, that's the situation with almost all insurance. If you buy auto insurance, and never have an accident - your premium dollars went to pay for somebody else's accidents, plus the stockholders dividend checks. C'est La Vie!

GET AN INSTANT LONG TERM CARE INSURANCE QUOTE


LONG TERM CARE ANNUITIES AND ANNUITIES WITH LONG TERM CARE
Another solution is a new product called a long term care annuity. One popular plan requires a minimum of $36,500 to be deposited in the annuity. The annuity money actually earns interest and still pays off the included long term care premium. The money still grows while the premium is paid.

I guess the best part of this solution is that if the long term care money is never used, the bulk of the investment will still be held in the account. Unlike most annuities, you will have to qualify with some health questions - though they are generally simplified.

Many annuities have a long term care rider - i.e. you can take your money out without any penalty or surrender charges if confined to a nursing homes. The difference between a Long Term Care Annuity and a Long Term Care Rider on a normal annuity is that the Long Term Care Annuity actually contains Long Term Care Insurance - i.e. a claim won't deplete the annuity principle. With a normal annuity and a long term care rider - the money is just withdrawn without penalty.

CONCLUSION
If you don't have many assets, you may just want to take a risk. If you have to deplete your assets for Medicaid to kick in, the loss may be much less than paying for other options - and you probably won't have the minimum amount of money to start an annuity anyway. Spouses of those confined to a nursing home can usually protect some assets anyway. I know this is high heresy coming from an insurance agent - but there you go! Of course, you should consult with an attorney and do your own research. I'm just giving you another take on the situation - and actually I'm not the only one who has come to this conclusion.

If you do have assets, you will want to protect them for your spouse and children. If you have enough money to cosider a traditional annuity (5,000 - 10,000 minumus are common), the rider may be a good way to give yourself some 'self-insurance'.

If you have enough money to start a long term care annuity (36,000) you may have found the best of all possible worlds.

Otherwise, if you don't have enough free cash for an annuity, but can afford a monthly payment, regular long term care insurance with no savings feature may be an attractive option.

Good Luck, and I hope you never need to use long term care.

Compare Insurance Online - Homeowners, Auto, Health, Life, Long Term Care, Annuities!: Auto Insurance State Laws and Information

Compare Insurance Online - Homeowners, Auto, Health, Life, Long Term Care, Annuities!: Auto Insurance State Laws and Information

Auto Insurance State Laws and Information

In my surfing for insurance related information on the web, I came across a great new blog. No, it's not one of mine, but I wish it was.

The blog is called Auto Trader, and the focus is on buying and selling cars. However, they have included an entire section devoted to car insurance information, by state.

AUTO TRADER

AUTO TRADER CAR INSURANCE INFORMATION

Dental Insurance and Braces or other Orthodontics

Here's a common question: Why doesn't my dental insurance cover braces or other orthodontics? Well, actually some policies do cover braces, or they have riders which may cover them.

But the answer would be - because it's one more expense - and as you know - the more the policy covers - the more it costs. This would also answer the question as to why those companies which do cover braces - cover them as a rider, or an optional addition to the insurance contract.

You may be better off with a dental discount plan than insurance for items like braces. Orthodontics will be covered, they cost a lot less than insurance, and sometimes save you just as much money. For instance, a policy may have a deductible of $500 and limits of 1500. So the insurance would chip $100 off your bill - but the premium may be $50 a month.

CLICK HERE TO FIND A DENTAL DISCOUNT PLAN IN YOUR AREA, AND SEE IF YOUR DENTIST IS ON THE PLAN

A Note On Health Insurance

A word on health insurance types and features



Health insurance comes in “many shapes and sizes”. Basically it can either be fully guaranteed issue or it can be fully underwritten. . Guaranteed issue means that the insurer can not decline to issue the policy nor can they rider or exclude any specific health issues. Common riders, for example, may exclude the treatment for: allergies, asthma, skin conditions, fibrocystic breast condition, carpal tunnel syndrome, back or spine etc.

Fully underwritten means that the insurer has the option to decide whether they will assume the risk for specific individuals or medical conditions. In general insurance companies can: issue the policy standard or “rate up” (charge additional premium) and agree to cover all conditions from the policy effective date. They can also issue standard or rate up but may not cover pre-existing medical conditions till after a period certain (usually 12-24 months). They may also decide that they will rider (exclude) the treatment for a specific medical condition. Finally they may decline to issue the application altogether. Each Insurance company will have different underwriting practices and guidelines.

Ok - Enough Insurance Today - Do Some Cooking

No kidding - I just got back from vacation, and am not in the mood to discuss insurance.

Here's a new cooking blog for people who want to prepare good food, but lack the time, training, or budget to do it the old fashioned, fussy recipe way!

http://cookfast.blogspot.com

COOK FAST

The cooking blog is new - but looks like it might be funny, and even have some good information.

Health Insurance and Taxes

I am NOT a tax professional, however your individual health insurance premiums should be a tax deductible expense. It's only fair. After all, corporations get to deduct premiums. Why should individuals, contractors, and small business owners be penalized?

If you are looking for some other ways to reduce your tax bill, here's a great article:


Beginner's Guide to Investing - Tax Guide

gas blues - off topic

Oh No.... I feel like Mr. Bill from the old Saturday Night Live Shows when I was a pup!

It looks like BP has pipeline problems, and so we've got gas price problems - like we needed more! If you could use some tips on saving money on your gasoline and other fuel bill, check out this blog.

http://gasblues.blogspot.com/

GAS BLUES BLOG FOR MONEY SAVING FUEL TIPS!

Free Car Insurance Quotes

You can hardly watch any TV program without seeing auto insurance ads. It's incredibly big business, because almost everybody needs car insurance.

Here's an easy way to determine if you're getting a good deal. Remember, price is important but it's not everything. A company with excellant service, moderate deductibles, etc. will save you money in the long run!


CLICK HERE FOR A FREE CAR INSURANCE QUOTE

Long Term Care Insurance

Many people don't realize that Medicare provides very little nursing care coverage - and does not provide long term care insurance.

For long term nursing care, your options are personal finances, government programs like Medicaid, or long term care insurance. Most seniors do not have the personal finances to last long in a nursing home where the bills can be three or four thousand dollars a month. Low income programs like Medicaid will kick in, but seniors must meet asset and income requirements.

This is the official Medicare Website on Long Term Care:
http://www.medicare.gov/LongTermCare/Static/Home.asp

If long term care insurance is something you are thinking about, a quick form on this website can help you find out about rates and options:
CLICK HERE FOR LONG TERM CARE RATES OPTIONS AND TO FIND AN AGENT

Homeowners Insurance Blues

It seems like homeowners insurance rates are getting jacked up all over. The Gulf region is getting hit especially hard after last summer's hurricanes and bad weather.

If you'd you like to see if you can save money on a homeowner's quote, I have an easy way to find competitive quotes and agents in your area and your state.

You have to fill in a little information - you should get taken to a quote - and the names of agents in your area who can help you. Sometimes it is best to chat with an agent becaue they can help you determine your needs - maybe you can pare off a bit.

Homeowners Insurance Quotes and Agents: Click Here for Quick Access to Homeowners Insurance Quotes and Property Agents

Limited Benefit Health Insurance

I found an interesting area on limited or specified benefit health insurance plans. Now, this is about the WALMART plan - and the article is very negative. While it is important to remember that specified benefit plans are not Major Medical - some are better than others - and they may be more affordable, plus take people with health conditions that other plans won't accept. I.E. sometimes a limited or specified benefit plan is a reasonable alternative - BUT it's important to understand what you are buying.

Anyway, here's the article about Walmart's coverage:
http://www.dsausa.org/lowwage/walmart/health.html

Health Insurance Agent - Do you need one?

Well, the answer is Maybe.....

TEXANS.....
You can get an idea of what plans are available to you, and how much it costs here....

TEXAS HEALTH QUOTES


You can even apply online. However, I would suggest calling an agent if you are confused about the different options, or have questions about terms like coinsurance, out of pocket maximums, deductibles, etc.

If you are NOT in Texas - and not everybody can be.... this company supports the whole U.S. with online quotes....

ALL U.S. HEALTH QUOTES!

Need Health Insurance Fast?

One overlooked product is short term health insurance. You can usually buy it for periods of 6 to 12 months, and put it in place quickly.

The reason people should buy health insurance is to protect them from catostrophic illness, and short term health insurance can do this very well. If you are between jobs, waiting for health insurance to kick in, or just not in a postition to commit to long term health insurance, short term can give you peace of mind - usually costs less - and gets in place very fast!

TEXANS CLICK HERE TO QUOTE AND APPLY

Not a Texan - well, not everybody can be... (SMILE):

If y'all are not a Texan click here to quote and apply!

Health Insurance tip

1. Review your health insurance policy and make sure you understand coverage restrictions and exclusions. For example, health insurance typically excludes most dental benefits. Understand that if you have a medical condition that results in damage to your teeth, while the medical condition may be covered, dentistry to restore your damaged teeth may not be.
2. Understand your responsibilities under your health plan. Have you selected a primary care provider (PCP)? Do you need a referral from your primary care provider for services and procedures your PCP cannot provide? Have you received written confirmation that a requested referral has been approved, or, if you need authorization before a written notice has time to get to you, have you called your insurer to make sure they have authorized the referral? Have you confirmed with your insurer that the services your PCP has made a referral for are services covered by your health plan? For example, your PCP may refer you for infertility treatment, but if your policy doesn’t cover infertility treatment there are no benefits available. Do not assume that if you request a referral from your PCP the insurer will pay for the referred services!
3. Keep your insurance ID card handy. Don’t hesitate to pick up the phone and call the number on your insurance ID card for assistance in understanding any part of your policy you don’t understand. Call your insurer if you get a bill, a referral, an explanation of benefits form or other document you don’t understand. Other sources of assistance include your insurance agent and your human resources department if your employer provides your health insurance. The Bureau is always available to assist as well, and can be reached from 8:00 A.M-5:00 P.M. through our in-state 800 #, 1-800-300-5000.
4. Keep good files. Know where to find your policy or benefits booklet. Keep copies of any health insurance related documents you receive from your insurer, agent, human resources department or health care provider in a file you can easily locate. If you call your insurer, agent, human resources department or health care provider regarding an insurance issue, keep a pad of paper handy. Ask for the name of the person you are talking to and make a note of what you discussed, being sure to indicate the date and time of your call.
5. Know your rights. You have a right to receive a response to a request for authorization of services within two working days. If your insurer denies a requested service on the grounds that the requested service is not medically necessary, your insurer must send both you and your provider a written notice explaining why it believes the requested service is not medically necessary. The notice must advise you of your right to obtain any clinical criteria or information relied upon by the insurer in reaching its decision. The notice must also advise you of your right to appeal the decision. By law you are entitled to appeal any health insurer decision you disagree with (not just medical necessity coverage denials). If you lose your appeal, your insurer must sent you a written notice identifying the names and credentials of the persons who made the decision and explaining the reasons for the decision. You have the right to the information relied upon by your insurer in arriving at their decision. You have the right to a second level appeal. You have a right to attend and be represented at any second level appeal. If you are not satisfied, you have the right to complain to the Bureau of Insurance.

save money on life insurance

Top Tips:
1. Buy when you're youngMany people may feel they don't need life insurance when they are young. While your financial needs may be lower at a younger age, the rates are also substantially cheaper when you're young. Remember, the goal is to cover your primary assets (like your salary and house) so that if something were to happen to you, your beneficiaries would be able to persevere financially. The best advice is to lock in as much protection at a young age while your health and prices are still good.
2. Your “half” birthday could be costlyWhile some companies raise their prices based on your actual age, most companies increase the price of their policies six months before your birthday. It's a term called “Age Nearest” in the industry, and that half-year price increase could really add up over a 20-year term policy. As above, the quicker you purchase your policy the better.
3. Select the right length of coverageEveryone has different needs, and not one size fits all when it comes to term life insurance. While it may make sense for people in their 30s and 40s to secure a 20-year term length, a 10-year term might be more appropriate for someone nearing retirement. People who are trying to quit smoking, for example, might be best suited purchasing a shorter term (and then replacing it with a longer term policy when they qualify for non-tobacco prices). Lastly, individuals who have 30-year mortgages might want to consider a 30-year term to ensure that the house is protected throughout the period of the loan.
4. Check for price breaksCompanies often offer “price breaks” at certain coverage amounts (e.g., $250,000 vs. $225,000). The truth is that many people can actually pay less money for more coverage. Check how little your prices increase when you increase coverage to $250,000, $500,000, or $1,000,000.
5. Buy the right amount of coverageMany agents may try to sell you more coverage than you need. The purpose of life insurance is to “indemnify” (replace financial loss), and what most people should be looking for is income replacement for their beneficiaries. Independent financial planners recommend the following rule of thumb: purchase an amount of coverage equal to 6-10 times your annual gross income.
6. The right hobby with the wrong company could cost youPeople who participate in high-risk sports or activities (such as hang-gliding, skydiving, mountain climbing, scuba diving, and racing), or even those who like to have an occasional cigar could very well pay more money if they don't pick the right company. Every company looks at risk factors differently and some are more liberal in certain areas than others. Speak with a licensed insurance expert and make sure they have all the underwriting criteria at their disposal and match you with the right company.
7. Work policies aren't always the best dealWhile purchasing a life insurance policy through your employer is convenient, it may not be the best deal available to you. Work policies are often based on a composite profile of the employees you work with, many of whom may be less healthy than you, or have other underwriting factors that might drive up rates. These type of policies also expire if/when you leave the company. Inexpensive term life insurance polices that cover your dependents until they can live comfortably on their own are often a better alternative.
8. Check out your payment/billing optionsMany life insurance companies offer discounts to consumers who pay their premiums annually, or who pay monthly by electronic funds transfer (EFT).
9. Review your policy oftenDo a review of your life insurance policy a minimum of every three years, if not more often. Rates may be lower, and your circumstances may have changed, necessitating more or less protection. If you are replacing a policy, make sure you allow enough time to get your new policy in place so coverages won't overlap or lapse.
10. Don't overspend on protectionTerm life insurance is the most affordable and cost-effective pure protection available, and it is typically much less expensive than a comparable whole life policy. The old axiom still rings true: “Buy Term and invest the difference.”

LONG TERM CARE ANNUITY

Whoah - Now I found something to talk about.
I have access to a great annuity that actually combines long term care insurance with it. Lots of folks see the need for long term care insurance, but don't need one more monthly bill. Older people find that it gets very expensive too. A lot of times the rates are only gauranteed for 10 years and the nice people get a big surprise on the decade anniversary date. UGHH.

...or let's say a client has some health issues which would make it difficult to qualify for regular long term care insurance - or let's say that client would only qualify with a very high premium.....

So there are two ways to look at an annuity to solve this problem.

1. Annuity with LTC insurance built in. The annuity has a guaranteed interest rate, great returns, plus builds in LONG TERM CARE INSURANCE. If you never need the LTC (and I hope you don't), you haven't just thrown you money away. You still have your investment. It's great, easy to qualify for medically (some health questions - but fairly easy issue and designed for middle aged to seniors), and it makes sense.

THE DISAD? You need a higher minimum to get in: Usually about 37,500 or so. That's still below the minimum average for annuity sales, but it makes it tougher for middle class seniors to kick start it.

2. Annuity with LTC Waiver - Now, these are common, and still great. The principle is guaranteed - usually with interest, and they have been performing great. The good ones have no upfront load fees, but they do try to keep people in with surrender charges. THE THING IS - surrender charges are waived if you need long term care.

The minimums are much lower - and some can be started with 5 - 10 thousand dollars, putting them in the reach of lower income seniors who would like some sort of a safety net in case they need long term care money.

If you are interested in Annuities, especially with long term care protection, AND YOU LIVE IN TEXAS - CONTACT ME AT:
myfreeforum@yahoo.com

I will tell you about annuities!

Pregnant but cannot get insurance or Medicaid?

I get calls 3 or 4 times a week from women (or their husband/boyfriend) who are pregnant. These women either do not have health insurance - or their health insurance does not cover many aspects of pregnancy. This is a tough situation.

Here's the advice I give out on the phone.
1. Try your state medicaid office - Income limits are raised a little for HIV positive people, pregnant women, and some other situations. Find Out.
Here's a very good website I found on this issue: http://womanshealth.gov/hiv/financial.cfm

IF YOU CANNOT GET MEDICAID.....
2. I have helped people sign up for a self-directed-health care plan. THIS IS NOT HEALTH INSURANCE - I post that everywhere and still the people call asking for health insurance when they are pregnant. I CANNOT HELP YOU. I don't know if anybody can - maybe somebody can - but I doubt it. Here in Texas (and probably elsewhere) no private company will pick up a pregnant lady. That's it. End of story. They won't even pick up the family of a pregnant lady.

I AM NOT DEFENDING THIS - I AM JUST STATING IT - so please don't contact me and ask me for health insurance when you are pregnant. Heck, I'd love to sell insurance to everybody - but the insurance companies have rules - and I must abide by them.

So now that I've finished that little rant, I suggest you try this:
http://www.ahco.biz/19806 - It is a company called AHCO, and the program is called Maternity Card. Now I have clients who have used it - some have no health insurance, and some have health insurance - but with deductibles, etc. - and they say it helps them.

--- DO NOT CALL THE NUMBER ON THE SITE - Just click ENROLL NOW
-- ON THE NEXT PAGE, CLICK MATERNITY CARD ---
-- FILL OUT THE FORM WITH YOUR CONTACT INFO - PREFERABLE NAME, PHONE NUMBER, and YOUR ZIP CODE - You can also include contact info.

THE COMPANY WILL CONTACT YOU WITHIN 24 HOURS ON A BUSINESS DAY - M-F

Sorry to write all in caps, but calling me is pointless.

Thanks!

free prescription drug card

If you are looking for some help with drug and prescription costs, I have a site that helps with a free card giveaway - Drug Card AmericaYou can use it at Wal-Mart, Walgreens, and tons of other major stores. It will help you get your prescriptions at cheaper prices, and it's free!Sign Up!

Some clients even have health insurance - but that insurance may not cover prescriptions, or it may have a high deductible on brand names - this should give a little more help - and the company - Drug Card America - does not charge for the service.

How to get information about Maternity Card

Believe it or not, my most common question is: How do I get information about the maternity card?

There is a very good way to do this. Since I don't work for affordable health care options, I cannot give plan details. I just know that it is a benefit plan for those who are already pregnant, without maternity coverage, or who do not have very comprehensive maternity coverage.

Some clients were unable to get into a doctor without the help of Affordable Health Care options because they did not have health insurance - sad state of affairs, I know!

This is what you do:
1. Go to this site:
http://www.ahco.biz/19806

2. Click Health Programs (Brown button in the middle of the page).

3. Click ENROLL at the top of the page (No, you don't have to enroll!)

4. Click THE MATERNITY CARD

6. Then you will see a form to fill in your contact information.

A representative will call or email you very quickly during a business day (Mon - Fri). If you fill in your info on the week-end, you will have to wait until Monday.

The program is a negotiated network program, and it can save you lots of money if you don't have health insurance, or if your insurance doesn't cover pregnancy, or if it doesn't cover it very well. They will also be able to direct you to qualified doctors in your area for service.

Get some information!

Looking at Index Life Products

Have you considered a universal life policy for your investment needs. Some great products exist which are tied to the S and P 500, but have guaranteed minimums so your principal and some earning power are protected - even in the worst case.

Many solid examples show these products outperform tax qualified products as long term retirement plans - and generally they are offered in places like schools and hospitals and supplements or alternatives to tax qualified plans.

Of course, you need to contact an insurance professional in your own state - and time - for the latest news - but you should think about advantages of non-tax qualified plans.

Why should a senior consider an immediat annuity

There are many reasons that individuals might consider an immediate annuity. An immediate annuity is one in which one single lump sum is made to fund an account, and then the individual can start taking out payments right away.

If you are already retired and need the income to live on consider:

An annuity can.....
Help protect you against outliving your assets. Social security pays retirement income for as long as you live, as do defined-benefit pension plans. But the only other source of income available that continues indefinitely is an immediate annuity.
Help protect your assets from creditors. Generally the most that creditors can access is the payments from an immediate annuity as they’re made, since the money you gave the insurance company now belongs to the company. Some state statutes and court decisions also protect some or all of the payments from those annuities.

No Health Insurance Updates Today

Hi, sorry but I've gone Idol Crazy:
http://idolnut.blogspot.com
Find Videos of your faves!

Off Topic: Keyword Spam

O.K. here's an off topic rant - I applied for a link at a popular links site for blogs. They rejected my offer because they said this blog was a keyword spammer. In case you don't know what that is - it's a site that just exists to have a lot of keywords in the system.

I was ticked off. Of course, this blog is about insurance topics, and so I tend to use that word A LOT. I just don't know what else i should call it... plans, policies, whatever?????

I looked at the sites they did link, and they were all fu-fu sites with lots of pictures (probably stolen from elsewhere on the internet.).

So, anyway, there's my rant for the day!

Aren't BLOGS great?

Help! Health Insurance if you're already sick????

This question comes up at least 3 times a week. I have clients with conditions like rhumatoid arthritis - auto-declines with many health insurance for individual companies. How can they get help?

This info applies to Texas - but I'm sure other states have similar options - you just have to check with your own state insurance commission - so here goes -

If you already have any health insurance, the best bet isprobably to hold on to it. If you don't, the best advice that anagent should give you would be to look at the Texas Risk Pool first.The website link is: http://www.txhealthpool.com/ . However, thereare some people who do not qualify: (Make a phone call to the riskpool to be sure you are interpreting the rules correctly.) 1. The rules for eligability are here, and you can see they arequite numerous:: http://www.txhealthpool.com/eligibil.html 2. Pre-existing conditions may be excluded for 12 months_. Wow. Ihad to read that paragraph twice. To me, it seems like the reasonthat anybody would consider the risk pool, is that they do have apre-existing condition. Read the 'pre-existing' condition paragraphon the web page in section 1. 3. _They cannot afford it. Many middle class Americans make toomuch to qualify for Medicaid or a county health system, but stillcannot afford the risk pool. ...or they do have access to a groupinsurance plan, but because of unemployment of other circumstances,it is unaffordable.
=======================================================
ANOTHER SITUATION MIGHT ARISE WHERE YOU DO HAVE AN INDIVIDUAL PLAN,BUT YOU HAVE A WAIVER OR RIDER ATTACHED TO IT, AND YOU MUST WAIT OUTA PERIOD OF TIME BEFORE YOU HAVE COVERAGE. YOU MAY HAVE A HIGHDEDUCTIBLE TO KEEP YOUR PREMIUMS IN LINE, AND STILL FIND YOURSELFBURIED UNDER LOTS OF OUT OF POCKET EXPENSES. PERHAPS PRESCRIPTIONSAREN'T COVERED, OR THEY HAVE A VERY HIGH DEDUCTIBLE.A SIMPLE BROKENARM, WITH A TRIP TO THE EMERGENCY ROOM, COULD COST YOU A LOT OFMONEY, BUT NOT ENOUGH TO MEET YOUR DEDUCTIBLE.
====================================================
IS THERE AN ANSWER? I HAVE HAD GREAT LUCK WITH THE FOLKS AT AFFORDABLE HEALTH CAREOPTIONS. THE WEBSITE IS HERE: AFFORDABLE HEALTH CARE OPTIONS THESEPLANS ARE NOT INSURANCE PLANS, BUT CARRY INSURANCE COMPONANTS TOTHEM. HERE IS THE LINK: http://www.ahco.biz/19806 Click on HEALTH PROGRAMS to review your options for health plans,prescription plans, dental plans, vision plans, accident plans,critical illness plans, and maternity plans. Then click on ENROLLNOW. You can _enroll online for the prescription, accident, criticalillness, and the prescription + dental and vision plans. If you areinterested in the FULL HEALTH PLAN OR MATERNITY PLAN, you must fillout the referal form and a representative will contact you to makesure you understand the plan before you enroll. Their customerservice is fantastic, and they get in touch very quickly! IF YOU'DLIKE ME TO HELP YOU, MY CONTACT INFORMATION IS ON THE BOTTOM OF THESCREEN. YOUR SECOND HEALTH PLAN OPTION IS USA+. CLICK HERE FOR USA+. Theirplans are slightly more expensive than Affordable Health Care, butthey truly offer a Cadillac in the Guaranteed Acceptance HealthBenefits. Some plans offer up to 1,000 a day for hospital benefits,doctor copays, group dental benefits, and much more, and they areunderwritten by A rated insurance companies. You can browse variousoptions, download brochures, and apply online from this website. Thanks for your time! I can answer your questions on the phone, andI can also direct you to other online resources for comparingdifferent insurance companies and plans. I would really appreciatethe chance to work for your business.

Looking for health insurance in all the wrong places?

When clients request information from me, the most common question they ask is: Can I just get some information? I want to look it over before I meet with you so I know what I want.

Answer: Sure!

If you're in Texas, start here - You can examine PPO plans, Traditional Plans, HSA plans and everything with a few clicks! CLICK HERE TO FIND THE TEXAS HEALTH INSURANCE THAT FITS YOUR NEEDS AND BUDGET!

If you're not in Texas, you can start your quotes here: CLICK HERE TO FIND NATIONWIDE HEALTH INSURANCE THAT'S RIGHT FOR YOU!

Pregnant with No Insurance?

Most states don't have a lot of choices (make that zilch) for pregnant women who need individual health plans with maternity coverage. Any maternity coverage available in individual health plans generally has long waiting periods, and doesn't come close to meeting the costs of care.

A possible solution lies with consumer driven health plans like the maternity card. Having a maternity card negotiater work on your health plan, and using contracted rates will often save thousands of dollars...even up to 65 percent. These plans are not insurance, but access to pre-negotiated rates that are shockingly lower than what uninsured consumers are paying.

Get more information on one of the most popular plans, Maternity Card, here: CLICK HERE TO LOOK AT MATERNITY CARD.

If you are low income, check with your local Medicaid office. They are often very leniant when dealing with pregnant women.

New Blog

In addition to my interest in saving people money on health, life and dental benefits, I'm also a hobbiest at coin collecting. I mean life and health insurance is a fairly consuming profession, but people have to have hobbies!

For my latest blog on my hobby (some say obsession), visit my new blog:
http://goldsilvermoney.blogspot.com/

New Dental and Health BLOG By MOI!

O.K. most of the questions I'm getting are about dental and health benefits plans. These are not individual insurance...they don't cost enough .... ha ha.

Anyway, to keep this one on topic: i.e. insurance quotes - I will try to attack the other subject over yonder:
http://dentalplanshealth.blogspot.com/

Dental Insurance doesn't cover braces and cosmetics????

Yup, you got it. You thought you had dental insurance, but you find that your policy does not cover braces and orthodontics...some don't...or require and additional rider (and premium).

Look at a dental plan! A dental plan is NOT INSURANCE..... It is a participating network of dentist who agree to charge network prices, which save up to 65% on normal bills. It is a fact...generally people who have insurance are charged a total price that is less than people who do not. Why? This is because dentists and doctors agree to negotiated fees to be part of an insurance network.

Well, this is the network without the insurance. You pay much less for belonging to the network, are expected to be able to cover the cost (sometimes providers will work out a payment plan), and are entitled to the negotiated fees that insurance companies would pay.

My site allows you to choose from different plans in your own area, by zip, costs, areas of specialty....all that. Look for Dental Plans and VALU+ here:
http://www.247quoteus.com/dentalinsurance.html

Good Luck!

Health Insurance Costs Too Much!

Yup. I know it does. On the other hand, insurance companies are crying that they are making little to no money on their plans. The thing about health insurance...as compared to say....life insurance...is that people actually use it many times!

See, the thing about life insurance is that the average client doesn't really keep their policy until they die. Companies collect money on term for a few years...and then the client lets it slide. Oh, some people do keep their policies, but they might not die within the 10 - 30 year term! Good for them! Good for the insurance company!

Well, health insurance is a different animal. I hope you don't die in the next several decades, but I am sure you will get sick - at least a little - and from an insurance agent's perspective, commissions on health insurance are much lower than on life. Why? See the paragraph above.

Anyway, you do have options. I always suggest going with a higher deductible just so you have catostrphic care, and that ticket to the hospital! That combined, with a good PPO network should help keep your health costs, and your premiums down. Plus, higher deductibles plans are easier to get issued.

See what I really think:
http://www.27quoteus.com

Small Business BLOG + Link Error in Last Post on Dental

Cool Directory of Small Business Blogs - All kinds of stuff like marketing, accounting, hiring, etc.
http://blogsforsmallbusiness.com/directory/

Also, I think I typed in the wrong link for my QUOTEUS website on dental providers. WHOOPS!
Here Ya' Go. ....
http://www.247quoteus.com/dentalinsurance.html

By Now

Dental Plans - One More Thing

Oh Yeah.....I've written more about dental plans on my insurance quote sites!

CLICK HERE FOR THE 247QuoteUs Dental Insurance and Dental Discount Page.

Individual Dental Insurance

What's the deal?
Well for the best coverage, I'd suggest a dental indemnity coverage, combined with some sort of dental network that negotiates fees for various services. As you are probably aware, most dental insurance for individuals, and some group dental policies, will have waiting periods for serious conditions (i.e. crowns, root canals, etc.). It is more likely that they will pay for things like teeth cleanings right away. Normal dental work like fillings fall somewhere in between. That may have a short, or no, waiting period.

Dental insurance for individuals can be expensive. If you need work done quickly, would like to minimize what you get for the premium you pay, or just cannot afford another inusrance preium, dental discount networks are an inreasingly popular alternative.

I like these two:
TeamCorp Valu+ Plan comes with group dental benefits plus many other health benefits like Vision, Health, etc. Click Here to Learn About Valu+ Dental!

For a cheap dental plan alternative that still gives great value, try a selection from DentalPlans.Com - Some dental plans start at 79.95 A YEAR!

Good Luck with Your Dental Plan Search!