As a former health and life insurance agent I know insurance can be confusing. Quite frankly it is meant to be confusing. The less the consumer knows the easier it is to have them purchase whatever type of insurance is being presented. Insurance is, however, fairly easy to understand as long as you know a few key words. The first word you need to know is deductible. This is the amount played directly to the doctor or hospital before...more
Every life insurance policy is unique. When you take out a life insurance policy you take it out to fit your needs. Most people take out a life insurance policy to ensure their family members have enough money to bury them and take care of their financial burdens they incurred during life. Life insurance policies will pay out a death benefit depending on how much the life insurance policy is worth. Many life insurance policies have...more
It is important that every adult child who is at or above the age of 18 who takes classes at a technical school, college or university receives student health insurance. Some students maintain health insurance through their parent's family plan insurance policy. In this situation, an adult child is allowed to keep this plan until their twenty-first birthday or for as long as that adult child is enrolled in school. Furthermore, full time or part time enrollment is acceptable for continued health coverage.For those individuals that do not have coverage through their parent's family plan, it is recommended to shop for student health insurance. This might pose as a potential challenge to most young adults. Especially if they are recent high school grads with little to no experience involving medical insurance. However, with the proper guidance and the right education, an inexperienced student can find the right plan.Some of the things that an individual should consider when shopping for the right plan is finding out if the school that they attend provides medical insurance, knowing exactly what the policy will and won't cover, and most importantly, knowing if the policy...more
Many business owners overlook the need for health insurance. They sometimes look at the cost of health insurance premiums and decide they would rather spend that money elsewhere in the business. What these business owners dont always consider is what would happen if they are not physically able to work and run the business. They overlook the...more
Whether you left your job voluntarily or got ejected out due to the economy, maintaining health insurance coverage for you and your family should be one of your top concerns. Even if you are flat broke, you cannot afford to go without health care coverage. All it will take is one nasty flu season or a serious accident to make a bad situation even...more
While our country is still facing one of the worst recessions that Americans have faced in years, the rate of uninsured individuals continues to rise. According to the Congressional Budget Office, there were over forty five million Americans that were not covered for health insurance in early 2009. This is a result of the current unemployment rate, which continues to grow. It's evident that most Americans are keeping a tight budget now a days, which obviously shows that health insurance coverage is no longer a priority because of the current state of this economy. This is a huge problem. Most Americans are taking a risks by not investing in health insurance because they need to save. But this risk to save can potentially backfire by spiraling onto the road of bankruptcy. A life threatening accident or illness can result in an uninsured individual's economic failure. Most would argue that because of today's recession, it is impossible to afford health insurance. However, there are alternatives that any uninsured individual can take to protect themselves for the future. Groups insurance and online directories are two solutions for individuals that can not afford...more
Don't you love the heat? Warm sun on your back, hot sand on your legs and feet. Yes, we all love the beach. There is something very healing and relaxing about the sun. Our muscles feel great having lain in the sun for a bit. There is a way to have...more
I have once have had a massage. Have you? If not, have you ever contemplated it? If you have not had a massage, here's something you should know. They are many benefits that come with it. Do you think massage is some new fad? Not true. Massage is by...more
Any American these days knows the stress of working in the office - its the dread of Monday. Sure, it's great to have a job in this economy, but who needs the aches and pains that go with it. While its no 2 week vacation in some tropical place, some...more
The comfort and security of knowing you can see a doctor whenever the flu strikes or when you've broken your leg on the ski slopes is a privilege that many take for granted. Whether you have to select health insurance through your job...more
Have you ever had a massage? Have you ever contemplated it? If you have had one, you'll know about all the benefits that come with it. If not, here's something you need to know. Massage is by no means anything new. It dates back to ancient...more
All people love to get a best health insurance for him and also for his family unit. You require a most excellent health insurance to envelop your medical bills. To obtain a best health insurance you should know what advantages you are searching for,...more