Today many American's are struggling. They are struggling to figure out how they are going to pay the mortgage or rent. They are struggling to figure out how they are going to keep their kids in school or make the car payment. Often times, health insurance is one of the first things to go when families attempt to re-align their balance sheet and whether tough economic times.It may seem as though the only time you need health care coverage is when...more
Times are tough all over and that includes people with health issues of all kinds. Many people have lost jobs and insurance benefits as well. There are others that have coverage and are able to get to a medical professional when needed. For people with none it can be very stressful dealing with even a small illness. All together there are some serious issue that need to be dealt with considering health care and access to it for a whole lot of...more
To avoid being scammed when you buy medical insurance ascertain that you buy from a company that is accepted by your state's department of insurance, that has few complaints, is financially strong and that has will sell you a good plan.The first and most important thing you should do when you want to buy medical insurance is to check with your state's insurance department to be sure that the company is approved to sell in your state. Each insurance department will have different standards. Because of this, you cannot stop with this step. However, you will eliminate the worst companies from consideration by restricting the carriers you consider to carriers that have been approved by your state's insurance department.The ratio of complaints a carrier receives to the number of contracts sold is important. Your state's insurance department should be able to help find this data. To make sure that your department of insurance's standards are good enough, you may want to check with AM Best to see how financially stable an insurance carrier is. You get a free report on their website that includes not only AM Best's opinion of an insurance carrier's current financial stability but...more
Get BCBSNC Health Insurance to Keep you Healthy It's important to try to stay healthy this winter flu season. If you've ever suffered through the flu than you definitely know how miserable than experience it can be. So that this flu season you want to do everything possible to keep yourself as healthy as humanly possible during the cold...more
With the various kinds of plans being covered by Kentucky health insurance, there are certain unique characteristics that set this state apart from the rest. Consequently, this implies that there are varied or different requirements and a special set of parameters that the health care agencies should cater to. The residents of Kentucky have a lot...more
Let's talk about how a health savings account can help you lower your taxes.First of all, a Health Savings Account is kind of like an IRA. Its an account where you can put pretax dollars that can then later be used to pay for medical expenses, tax free. So, the contribution limit in 2010 for an individual is $3050.00. Thats how much an individual can put into their HSA each year and that amount actually goes up a little bit each year based on the cost of living. For a family, you can deposit up to $6150.00 in the HSA and then if you're over age 55, you can contribute an additional $1000.00 into the HSA. This contribution is deducted directly from your adjusted gross income.So lets look at how much money this can save you. If you're under the 28% tax bracket and if you are in the state with a 5% state income tax, lets do the math here, so a $6150.00 contribution is going to reduce your federal income taxes by $1806.00. You will reduce your state income taxes by $380.00 for a total of $2186.00. Now, if you're paying $350.00 a month for your health insurance, your tax savings are going to save you six months worth of premiums, paying for a half the years health insurance...more
California Health Insurance Plans by Blue Shield – Understanding HMOs, PPOs, and HSAs California health insurance plans by Blue Shield offer different options in health care coverage for you and your family. The company offers both HMO and...more
Dealing With Health Insurance Company Denials For Service Often patients are denied treatments and medical equipment due to erroneous reasoning by the initial examiner. The patient is in an unfair position due to:1. Patient may be in...more
Health Insurance for the Self Employed, Texas – Understanding the Options A self-employed individual may find it difficult to choose the right health insurance policy to fit their needs. Many people at work themselves assume that the best...more
Is North Carolina Health Insurance right for you? Everyone talks about the importance of Health Insurance, and that's because Health Insurance really is such an important thing when it comes to your health. People with Health Insurance are...more
Do you need Individual Health Insurance NC? What's the best way to protect yourself in case of a serious illness? You might be thinking that there is something that you can do physically to prevent some kind of serious illness but really...more
Who Benefits from North Carolina Health Insurance? If you live in North Carolina and you're looking for quality Health Insurance, look no further than BCBSNC. Blue cross blue shield of North Carolina offers the highest quality Health...more