Monday, December 5, 2011
Three Steps To Cheaper Car Insurance!
3 Steps To Cheaper Car Insurance:
| Posted: 24th November 2011
Everyone wants cheaper car insurance and you are no exception.
Not only do customers know this, the insurance companies understand this also. Year after year insurance companies have been spending millions of dollars on advertising based on this subject. Being able to uncover cheap car insurance is simple for most drivers.
But, as good as this sounds, cheaper car insurance is not always the best thing to protect you and your vehicle. It is better to be on the lookout for car insurance that is cost effective instead.
Step One: Find More Discounts
Getting as many discounts on your insurance policy as you can is going to be one of the best ways to locate cheaper car insurance. Instead of having to contact other insurance companies and agencies, contact your own agency about this. Go over your policy and your current situation to make sure that you are getting all of the insurance discounts that you qualify for.
While the specific discounts vary, you may qualify for multi-car discounts and multiple line discounts (having home, auto and other insurance all with the same company). Other discounts can include good student discounts, homeowner's discount and defensive driving course discounts. Your agent may even uncover discounts that are specific to just your insurance company that you have never known of before.
If you have a good agent, they should be on the lookout for these discounts for you. Being familiar with what is offered by the insurance companies that he or she sells policies for is their job.
These discounts also benefit your agent in two ways. One, they are providing the good customer service that you are looking for to keep you as a customer. Two, they are able to use the discounts to get you a lower rate than the other companies you may be getting quotes from.
Step Two: Dropping Full Coverage
The only insurance coverage that is required to be able to drive is liability insurance. Dropping your comprehensive and collision coverage is a quick way to cheaper car insurance. However, it may not be a smart idea to do this. Also if you have a car loan, the company that you are making car payments to is not going to let you do this.
If you are thinking that you can cancel this coverage and they will never know, think again.
Lenders require that they be put on your insurance policy as they hold a vested interest in your vehicle. This is to make sure that if you vehicle is totaled in a car accident that they are the ones that will get the payment for the car, not you.
Also, whenever you make a change to your insurance policy, like dropping comprehensive and collision coverage, they will be notified. Then they will take steps to put their own insurance on the vehicle to make sure that the vehicle is protected.
This insurance is not cheap and you will be the one paying for it. So it is a good idea to just keep your own insurance coverage on the vehicle and keep everyone happy. Besides, once the loan is paid off you are free to remove this coverage.
If you do drop this coverage for the cheaper car insurance, you will be giving up financial protection. If you were to get into a car accident that was your fault or anything else happens to the vehicle, you are out of luck.
Your insurance company will not pay for the damages as you stopped paying the premium for the coverage. This means that you are going to have to pay for the damages out of your own pocket. Which can end up being much more money than what you saved in premium by dropping the coverage.
Step Three: Drop Liability Limits
Another easy way to cheaper car insurance is to drop your liability limits to the lowest that your state requires you to purchase. Just keep in mind that state minimums are very low and usually don't provide enough coverage in the case of an accident. This means any damages that you cause that are higher than what your insurance policy covers will be paid by you personally.
------
Todd Clay was an agent for the largest insurance company in the US. He now researches and blogs about cheaper car insurance with the consumer in mind. Check out the latest reviews, rates by state, or grab a few auto insurance quotes in 5 minutes at: www.carinsuranceguidebook.com
Not only do customers know this, the insurance companies understand this also. Year after year insurance companies have been spending millions of dollars on advertising based on this subject. Being able to uncover cheap car insurance is simple for most drivers.
But, as good as this sounds, cheaper car insurance is not always the best thing to protect you and your vehicle. It is better to be on the lookout for car insurance that is cost effective instead.
Step One: Find More Discounts
Getting as many discounts on your insurance policy as you can is going to be one of the best ways to locate cheaper car insurance. Instead of having to contact other insurance companies and agencies, contact your own agency about this. Go over your policy and your current situation to make sure that you are getting all of the insurance discounts that you qualify for.
While the specific discounts vary, you may qualify for multi-car discounts and multiple line discounts (having home, auto and other insurance all with the same company). Other discounts can include good student discounts, homeowner's discount and defensive driving course discounts. Your agent may even uncover discounts that are specific to just your insurance company that you have never known of before.
If you have a good agent, they should be on the lookout for these discounts for you. Being familiar with what is offered by the insurance companies that he or she sells policies for is their job.
These discounts also benefit your agent in two ways. One, they are providing the good customer service that you are looking for to keep you as a customer. Two, they are able to use the discounts to get you a lower rate than the other companies you may be getting quotes from.
Step Two: Dropping Full Coverage
The only insurance coverage that is required to be able to drive is liability insurance. Dropping your comprehensive and collision coverage is a quick way to cheaper car insurance. However, it may not be a smart idea to do this. Also if you have a car loan, the company that you are making car payments to is not going to let you do this.
If you are thinking that you can cancel this coverage and they will never know, think again.
Lenders require that they be put on your insurance policy as they hold a vested interest in your vehicle. This is to make sure that if you vehicle is totaled in a car accident that they are the ones that will get the payment for the car, not you.
Also, whenever you make a change to your insurance policy, like dropping comprehensive and collision coverage, they will be notified. Then they will take steps to put their own insurance on the vehicle to make sure that the vehicle is protected.
This insurance is not cheap and you will be the one paying for it. So it is a good idea to just keep your own insurance coverage on the vehicle and keep everyone happy. Besides, once the loan is paid off you are free to remove this coverage.
If you do drop this coverage for the cheaper car insurance, you will be giving up financial protection. If you were to get into a car accident that was your fault or anything else happens to the vehicle, you are out of luck.
Your insurance company will not pay for the damages as you stopped paying the premium for the coverage. This means that you are going to have to pay for the damages out of your own pocket. Which can end up being much more money than what you saved in premium by dropping the coverage.
Step Three: Drop Liability Limits
Another easy way to cheaper car insurance is to drop your liability limits to the lowest that your state requires you to purchase. Just keep in mind that state minimums are very low and usually don't provide enough coverage in the case of an accident. This means any damages that you cause that are higher than what your insurance policy covers will be paid by you personally.
------
Todd Clay was an agent for the largest insurance company in the US. He now researches and blogs about cheaper car insurance with the consumer in mind. Check out the latest reviews, rates by state, or grab a few auto insurance quotes in 5 minutes at: www.carinsuranceguidebook.com
Source:
http://carinsuranceguideboo.articlealley.com/3-steps-to-cheaper-car-insurance-2393542.html3 Steps To Cheaper Car Insurance
3 Steps To Cheaper Car Insurance:
| Posted: 24th November 2011
Everyone wants cheaper car insurance and you are no exception.
Not only do customers know this, the insurance companies understand this also. Year after year insurance companies have been spending millions of dollars on advertising based on this subject. Being able to uncover cheap car insurance is simple for most drivers.
But, as good as this sounds, cheaper car insurance is not always the best thing to protect you and your vehicle. It is better to be on the lookout for car insurance that is cost effective instead.
Step One: Find More Discounts
Getting as many discounts on your insurance policy as you can is going to be one of the best ways to locate cheaper car insurance. Instead of having to contact other insurance companies and agencies, contact your own agency about this. Go over your policy and your current situation to make sure that you are getting all of the insurance discounts that you qualify for.
While the specific discounts vary, you may qualify for multi-car discounts and multiple line discounts (having home, auto and other insurance all with the same company). Other discounts can include good student discounts, homeowner's discount and defensive driving course discounts. Your agent may even uncover discounts that are specific to just your insurance company that you have never known of before.
If you have a good agent, they should be on the lookout for these discounts for you. Being familiar with what is offered by the insurance companies that he or she sells policies for is their job.
These discounts also benefit your agent in two ways. One, they are providing the good customer service that you are looking for to keep you as a customer. Two, they are able to use the discounts to get you a lower rate than the other companies you may be getting quotes from.
Step Two: Dropping Full Coverage
The only insurance coverage that is required to be able to drive is liability insurance. Dropping your comprehensive and collision coverage is a quick way to cheaper car insurance. However, it may not be a smart idea to do this. Also if you have a car loan, the company that you are making car payments to is not going to let you do this.
If you are thinking that you can cancel this coverage and they will never know, think again.
Lenders require that they be put on your insurance policy as they hold a vested interest in your vehicle. This is to make sure that if you vehicle is totaled in a car accident that they are the ones that will get the payment for the car, not you.
Also, whenever you make a change to your insurance policy, like dropping comprehensive and collision coverage, they will be notified. Then they will take steps to put their own insurance on the vehicle to make sure that the vehicle is protected.
This insurance is not cheap and you will be the one paying for it. So it is a good idea to just keep your own insurance coverage on the vehicle and keep everyone happy. Besides, once the loan is paid off you are free to remove this coverage.
If you do drop this coverage for the cheaper car insurance, you will be giving up financial protection. If you were to get into a car accident that was your fault or anything else happens to the vehicle, you are out of luck.
Your insurance company will not pay for the damages as you stopped paying the premium for the coverage. This means that you are going to have to pay for the damages out of your own pocket. Which can end up being much more money than what you saved in premium by dropping the coverage.
Step Three: Drop Liability Limits
Another easy way to cheaper car insurance is to drop your liability limits to the lowest that your state requires you to purchase. Just keep in mind that state minimums are very low and usually don't provide enough coverage in the case of an accident. This means any damages that you cause that are higher than what your insurance policy covers will be paid by you personally.
------
Todd Clay was an agent for the largest insurance company in the US. He now researches and blogs about cheaper car insurance with the consumer in mind. Check out the latest reviews, rates by state, or grab a few auto insurance quotes in 5 minutes at: www.carinsuranceguidebook.com
Not only do customers know this, the insurance companies understand this also. Year after year insurance companies have been spending millions of dollars on advertising based on this subject. Being able to uncover cheap car insurance is simple for most drivers.
But, as good as this sounds, cheaper car insurance is not always the best thing to protect you and your vehicle. It is better to be on the lookout for car insurance that is cost effective instead.
Step One: Find More Discounts
Getting as many discounts on your insurance policy as you can is going to be one of the best ways to locate cheaper car insurance. Instead of having to contact other insurance companies and agencies, contact your own agency about this. Go over your policy and your current situation to make sure that you are getting all of the insurance discounts that you qualify for.
While the specific discounts vary, you may qualify for multi-car discounts and multiple line discounts (having home, auto and other insurance all with the same company). Other discounts can include good student discounts, homeowner's discount and defensive driving course discounts. Your agent may even uncover discounts that are specific to just your insurance company that you have never known of before.
If you have a good agent, they should be on the lookout for these discounts for you. Being familiar with what is offered by the insurance companies that he or she sells policies for is their job.
These discounts also benefit your agent in two ways. One, they are providing the good customer service that you are looking for to keep you as a customer. Two, they are able to use the discounts to get you a lower rate than the other companies you may be getting quotes from.
Step Two: Dropping Full Coverage
The only insurance coverage that is required to be able to drive is liability insurance. Dropping your comprehensive and collision coverage is a quick way to cheaper car insurance. However, it may not be a smart idea to do this. Also if you have a car loan, the company that you are making car payments to is not going to let you do this.
If you are thinking that you can cancel this coverage and they will never know, think again.
Lenders require that they be put on your insurance policy as they hold a vested interest in your vehicle. This is to make sure that if you vehicle is totaled in a car accident that they are the ones that will get the payment for the car, not you.
Also, whenever you make a change to your insurance policy, like dropping comprehensive and collision coverage, they will be notified. Then they will take steps to put their own insurance on the vehicle to make sure that the vehicle is protected.
This insurance is not cheap and you will be the one paying for it. So it is a good idea to just keep your own insurance coverage on the vehicle and keep everyone happy. Besides, once the loan is paid off you are free to remove this coverage.
If you do drop this coverage for the cheaper car insurance, you will be giving up financial protection. If you were to get into a car accident that was your fault or anything else happens to the vehicle, you are out of luck.
Your insurance company will not pay for the damages as you stopped paying the premium for the coverage. This means that you are going to have to pay for the damages out of your own pocket. Which can end up being much more money than what you saved in premium by dropping the coverage.
Step Three: Drop Liability Limits
Another easy way to cheaper car insurance is to drop your liability limits to the lowest that your state requires you to purchase. Just keep in mind that state minimums are very low and usually don't provide enough coverage in the case of an accident. This means any damages that you cause that are higher than what your insurance policy covers will be paid by you personally.
------
Todd Clay was an agent for the largest insurance company in the US. He now researches and blogs about cheaper car insurance with the consumer in mind. Check out the latest reviews, rates by state, or grab a few auto insurance quotes in 5 minutes at: www.carinsuranceguidebook.com
Source:
http://carinsuranceguideboo.articlealley.com/3-steps-to-cheaper-car-insurance-2393542.htmlWhat is generally excluded from a critical illness cover policy?
What is generally excluded from a critical illness cover policy?
By: Mandi Pardley
| Posted: 29th November 2011
In this day and age the population is growing up a lot quicker and increasing and changing all the time. By this I mean that people are having children and getting married a lot younger, earlier and quicker than they used to. This never used to be the case but things have changed so much it is very much a different world now. This means more responsibility and more reason and need for insurance such as critical illness insurance to protect their loved ones. The world of insurance is really quite complex. There are so many different products and providers that are available to purchase, for so many different insurances, with a range of different prices and levels of cover to choose from, no wonder it can be a complex decision.
With regards to taking out critical illness cover the rules, regulations and stipulations are generally set out by an association called the Association of British Insurers which can be known as and abbreviated to the ABI. They set guidelines and put them in place for every member of the association to follow and adhere to.
With regards to insurance companies that offer products that involve critical illness insurance, they are monitored very closely and must adhere to the guidelines set. The ABI provide a standard list of just what will not be covered and excluded when it comes to the submission of a claim regardless of whether the cause is directly or indirectly by any of the things that they don't cover. This list generally includes:
•The usage of drugs
•Being involved in hazardous activities, pastimes or sports
•Self inflicted harm or injury
•AIDS or HIV
•The involvement of criminal acts
•War and other commotion
•Residing out of the covered areas such as abroad
•Failure to follow medical advice given.
This means that if a policyholder submitted a claim and any of the above were found to be involved, the claim would possibly be rejected or turned down. These exclusions apply to some of the registered companies that sell insurance. Upon request an insurance provider will send you a specimen of their terms and conditions which will allow you to see just what is and isn't covered.
Other common medical conditions that an insurance company may exclude are pre existing medical conditions. These will not be covered because they already exist prior to the insurance being incepted. In some cases if the condition is very well controlled, in remission or years old, the insurance company may refer the application to a re-assurer. This means that the case will be looked at in great detail and then a decision will come back from them.
The insurance company can choose to cover any other cause or reason that they feel necessary as there are no restrictions. This is when a consumer looking for a critical illness insurance policy should do some shopping around for the best policy for the best affordable premium. The reason the Association of British Insurers do this is to protect the consumer and ensure that all claims are fair.
Generally there should be no insurance company that is not registered with the ABI - Association of British Insurers or the FSA - Financial Services Authority; otherwise they are not allowed to sell insurance products. If they are un-monitored they can affect consumer's rights considerably because they don't have to adhere to anyone or anything. It is your duty as the consumer to check that where you buy your insurance from is a regulated firm to ensure that you are protected. There are many reputable and well heard of names of insurance providers out there along with different ways to purchase the insurance.
With regards to taking out critical illness cover the rules, regulations and stipulations are generally set out by an association called the Association of British Insurers which can be known as and abbreviated to the ABI. They set guidelines and put them in place for every member of the association to follow and adhere to.
With regards to insurance companies that offer products that involve critical illness insurance, they are monitored very closely and must adhere to the guidelines set. The ABI provide a standard list of just what will not be covered and excluded when it comes to the submission of a claim regardless of whether the cause is directly or indirectly by any of the things that they don't cover. This list generally includes:
•The usage of drugs
•Being involved in hazardous activities, pastimes or sports
•Self inflicted harm or injury
•AIDS or HIV
•The involvement of criminal acts
•War and other commotion
•Residing out of the covered areas such as abroad
•Failure to follow medical advice given.
This means that if a policyholder submitted a claim and any of the above were found to be involved, the claim would possibly be rejected or turned down. These exclusions apply to some of the registered companies that sell insurance. Upon request an insurance provider will send you a specimen of their terms and conditions which will allow you to see just what is and isn't covered.
Other common medical conditions that an insurance company may exclude are pre existing medical conditions. These will not be covered because they already exist prior to the insurance being incepted. In some cases if the condition is very well controlled, in remission or years old, the insurance company may refer the application to a re-assurer. This means that the case will be looked at in great detail and then a decision will come back from them.
The insurance company can choose to cover any other cause or reason that they feel necessary as there are no restrictions. This is when a consumer looking for a critical illness insurance policy should do some shopping around for the best policy for the best affordable premium. The reason the Association of British Insurers do this is to protect the consumer and ensure that all claims are fair.
Generally there should be no insurance company that is not registered with the ABI - Association of British Insurers or the FSA - Financial Services Authority; otherwise they are not allowed to sell insurance products. If they are un-monitored they can affect consumer's rights considerably because they don't have to adhere to anyone or anything. It is your duty as the consumer to check that where you buy your insurance from is a regulated firm to ensure that you are protected. There are many reputable and well heard of names of insurance providers out there along with different ways to purchase the insurance.
At Critical Illness you will find that they offer a range of high quality and affordable critical illness cover which will protect you from an array of different illnesses.
Source:
http://mandipardley.articlealley.com/what-is-generally-excluded-from-a-critical-illness-cover-policy-2394427.htmlDo you require an existence Insurance professional to locate Cost-effective Coverage?
Do you require an existence Insurance professional to locate Cost-effective Coverage?
By: lifeinsurancebroker
| Posted: 29th November 2011
Trying to find inexpensive life insurance coverage? Should you use a broker? The answer then is: That will depends-it would depend solely for you and your personal desire.
You will find inexpensive life insurance with no specialist. But if necessary, a brokerage can also be a big help. The best thing is actually: Anyone can receive the best of both worlds. It is possible to comparison shop for life insurance to make the selection by yourself. Or you can get the aid of an existence life insurance brokers without notice in the operation.
This kind of isn’t a new improvement. You can always try to look for protection by yourself next rely on a broker’s providers as needed. What’s brand new is when anyone can uncover insurance all on your own. In the past, you * or perhaps you and a agent * had to change from insurance carrier to company, filling up our software following request, holding out and also ready as well as waiting to find out had you been accepted. Which was time-consuming and a true headache!
Yet not too long ago, any breakthrough throughout insurance plan costing engineering took place. Fed up with difficulties of shopping for life insurance coverage the regular method, a number of quite inventive buyers created a far better answer. Developed by consumers for shoppers, brand new software program are now able to acquire numerous rates from many different insurance agencies, at the same time, on this page, all in only seconds…and, here’s one of the benefits, just about all totally free.
You just go surfing to take advantage of the newest costing system. Response a couple of, standard queries. And then click one switch. And also quickly, the thing is that estimates through leading insurance companies contending to offer you the top coverage with the very best cost. Find the insurance plan fitting your requirements and fits your allowance. Typically, you'll be able to pay your first high quality immediately : online, making use of your plastic card. Generally, you can even acquire a duplicate of your respective brand new coverage to produce and file together with your other important home documents.
Of course, if, anytime in the operation, you will need assistance from an agent, not an issue. An authorized specialist could reply any queries.
This can be a best way to discover any kind of insurance coverage for any form of need. Are you buying a policy for the most typical cause : to guard your family’s fiscal future and make certain they're able to carry on and spend the money for rent or mortgage should you die? Or perhaps have you been seeking coverage for an additional purpose? Perhaps you wish to designate a policy profit being a way to obtain finances for your children’s schooling account? Or perhaps you intend to designate your policy profit move in the direction of any kind of terminal medical care that you may call for which is not really covered by your health insurance coverage. Or simply the goal is made for the policy profit to invest in your funeral service along with funeral or cremation.
Or even your main goal is different. Maybe your goal is secure insurance coverage and also specify the advantage go to your religious organization, mosque, or temple…or for your favored charitable organization. Nevertheless, you intend to put it to use, you will discover an excellent, cost-effective policy.
Do you want an existence insurance professional to find reasonably priced insurance? Definitely not. Use a life insurance broker if you need to. However it is additionally relaxing to find out that when you don’t want to indulge a financier, it is possible to rely totally on the no cost, fair, online resource for instance LifeInsuranceBroker.people.
You will find inexpensive life insurance with no specialist. But if necessary, a brokerage can also be a big help. The best thing is actually: Anyone can receive the best of both worlds. It is possible to comparison shop for life insurance to make the selection by yourself. Or you can get the aid of an existence life insurance brokers without notice in the operation.
This kind of isn’t a new improvement. You can always try to look for protection by yourself next rely on a broker’s providers as needed. What’s brand new is when anyone can uncover insurance all on your own. In the past, you * or perhaps you and a agent * had to change from insurance carrier to company, filling up our software following request, holding out and also ready as well as waiting to find out had you been accepted. Which was time-consuming and a true headache!
Yet not too long ago, any breakthrough throughout insurance plan costing engineering took place. Fed up with difficulties of shopping for life insurance coverage the regular method, a number of quite inventive buyers created a far better answer. Developed by consumers for shoppers, brand new software program are now able to acquire numerous rates from many different insurance agencies, at the same time, on this page, all in only seconds…and, here’s one of the benefits, just about all totally free.
You just go surfing to take advantage of the newest costing system. Response a couple of, standard queries. And then click one switch. And also quickly, the thing is that estimates through leading insurance companies contending to offer you the top coverage with the very best cost. Find the insurance plan fitting your requirements and fits your allowance. Typically, you'll be able to pay your first high quality immediately : online, making use of your plastic card. Generally, you can even acquire a duplicate of your respective brand new coverage to produce and file together with your other important home documents.
Of course, if, anytime in the operation, you will need assistance from an agent, not an issue. An authorized specialist could reply any queries.
This can be a best way to discover any kind of insurance coverage for any form of need. Are you buying a policy for the most typical cause : to guard your family’s fiscal future and make certain they're able to carry on and spend the money for rent or mortgage should you die? Or perhaps have you been seeking coverage for an additional purpose? Perhaps you wish to designate a policy profit being a way to obtain finances for your children’s schooling account? Or perhaps you intend to designate your policy profit move in the direction of any kind of terminal medical care that you may call for which is not really covered by your health insurance coverage. Or simply the goal is made for the policy profit to invest in your funeral service along with funeral or cremation.
Or even your main goal is different. Maybe your goal is secure insurance coverage and also specify the advantage go to your religious organization, mosque, or temple…or for your favored charitable organization. Nevertheless, you intend to put it to use, you will discover an excellent, cost-effective policy.
Do you want an existence insurance professional to find reasonably priced insurance? Definitely not. Use a life insurance broker if you need to. However it is additionally relaxing to find out that when you don’t want to indulge a financier, it is possible to rely totally on the no cost, fair, online resource for instance LifeInsuranceBroker.people.
Source:
http://lifeinsurancebroker.articlealley.com/do-you-require-an-existence-insurance-professional-to-locate-costeffective-coverage-2394468.htmlFlorida Health Insurance To Offer New Online Solutions
Florida Health Insurance To Offer New Online Solutions:
By: Wiley Long
| Posted: 29th November 2011
Last 2008, due to the rising cost of FL health insurance, lawmakers approved a Florida Health Choices program to give small businesses more options to help them cover employees with a health plan. This program is expected to create an online health insurance marketplace where people can instantly shop for different Florida health insurance plans. After three years of lengthy delays, it appears that the program will finally come to fruition thanks, in part, to a boost from Gov. Rick Scott.
When Will This Online Florida Health Insurance Exchange Be Ready?
Gov. Scott has already signed two bills, HB 1473 and HB 1125, which will help with the implementation of the program. According to Chief Executive Officer Rose Naff, the Florida Health Choices program might be ready this summer, but a specific start date still isn't known.
HB 1473 will provide public-records exemptions, which Naff says is important to protect consumers' confidential information. HB 1125 is necessary to give large employers a chance to participae in the program by eliminating the restriction that Florida Health Choices can only be used by small businesses with 50 or fewer employees. Naff added that large employers will still need to get approval from the Florida Health Choices board of directors to participate because he says, "Our target is still going to be businesses at 50 and smaller."
Online Florida Health Insurance Market Generates Pro And Con Opinions
There is still a lot of apprehension and skepticism about the new program. U.S. Sen. Marco Rubio says the basic idea of having this online market for FL health insurance is to make shopping for various types of Florida health insurance coverage easier to navigate than the traditional system has been.
Businesses that sign up for the program are expected to have a broader range of choice under the online marketplace than was previously available. Initially, coverage options will only be provided by established insurance companies. In the long run, the program is also expected to allow hospitals and clinics to sell specific types of services through the online marketplace.
Laura Goodhue, the executive director of Florida CHAIN, is apprehensive about Florida Health Choices. Goodhue says, "We see it as a hodgepodge of inadequate, not-even health coverage." She added that implementing Florida Health Choices when the state health insurance exchange is coming in 2014 doesn't make much sense. The state-based FL health insurance exchange of 2014 will have stricter coverage requirements based on the federal mandate than Florida Health Choices has, so employees may be better served by the 2014 exchange.
What Can Consumers Do To Find Affordable Florida Health Insurance Plans Now?
Neither of these options are yet available, but Florida has many residents in desperate need of Florida health insurance. One of the things that may hinder many people from getting much-needed coverage is simply not knowing how to find the most affordabe coverage options. With hundreds of choices from different insurance companies, it's hard to compare plans until you understand that there are different categories of plans.
The different categories include co-pay plans that have a $25 or $35 out-of-pocket cost to see a doctor or fill a prescription and deductible plans that only pay claims for recommended preventive care until you have spent a pre-determined amount on health care each year. Other options include Health Savings Account Plans and Medigap Insurance.
Each form of FL health insurance insurance has certain advantages and disadvantages, but if low premiums are your priority, explore the high-deductible plans that allow you to open a Health Savings Account (HSA). When you choose certain high-deductible plans, you can open a tax-free savings or investment account and to boost your savings in case you need to pay for health care before the plan's deductible is met.
Another way to keep your premiums low is just by taking good care of your health. Not only does that typically mean low premiums, but you also won't be plagued by coverage exclusions for a pre-existing condition, much less have to appeal when your application is declined.
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By Wiley Long - President, eFLhealthinsurance.com - Florida's leading independent online health insurance agency specializing in individual and family Florida Health Insurance. Get instant Florida Health Insurance quotes, compare plans, apply online, and save your hard earned money!
When Will This Online Florida Health Insurance Exchange Be Ready?
Gov. Scott has already signed two bills, HB 1473 and HB 1125, which will help with the implementation of the program. According to Chief Executive Officer Rose Naff, the Florida Health Choices program might be ready this summer, but a specific start date still isn't known.
HB 1473 will provide public-records exemptions, which Naff says is important to protect consumers' confidential information. HB 1125 is necessary to give large employers a chance to participae in the program by eliminating the restriction that Florida Health Choices can only be used by small businesses with 50 or fewer employees. Naff added that large employers will still need to get approval from the Florida Health Choices board of directors to participate because he says, "Our target is still going to be businesses at 50 and smaller."
Online Florida Health Insurance Market Generates Pro And Con Opinions
There is still a lot of apprehension and skepticism about the new program. U.S. Sen. Marco Rubio says the basic idea of having this online market for FL health insurance is to make shopping for various types of Florida health insurance coverage easier to navigate than the traditional system has been.
Businesses that sign up for the program are expected to have a broader range of choice under the online marketplace than was previously available. Initially, coverage options will only be provided by established insurance companies. In the long run, the program is also expected to allow hospitals and clinics to sell specific types of services through the online marketplace.
Laura Goodhue, the executive director of Florida CHAIN, is apprehensive about Florida Health Choices. Goodhue says, "We see it as a hodgepodge of inadequate, not-even health coverage." She added that implementing Florida Health Choices when the state health insurance exchange is coming in 2014 doesn't make much sense. The state-based FL health insurance exchange of 2014 will have stricter coverage requirements based on the federal mandate than Florida Health Choices has, so employees may be better served by the 2014 exchange.
What Can Consumers Do To Find Affordable Florida Health Insurance Plans Now?
Neither of these options are yet available, but Florida has many residents in desperate need of Florida health insurance. One of the things that may hinder many people from getting much-needed coverage is simply not knowing how to find the most affordabe coverage options. With hundreds of choices from different insurance companies, it's hard to compare plans until you understand that there are different categories of plans.
The different categories include co-pay plans that have a $25 or $35 out-of-pocket cost to see a doctor or fill a prescription and deductible plans that only pay claims for recommended preventive care until you have spent a pre-determined amount on health care each year. Other options include Health Savings Account Plans and Medigap Insurance.
Each form of FL health insurance insurance has certain advantages and disadvantages, but if low premiums are your priority, explore the high-deductible plans that allow you to open a Health Savings Account (HSA). When you choose certain high-deductible plans, you can open a tax-free savings or investment account and to boost your savings in case you need to pay for health care before the plan's deductible is met.
Another way to keep your premiums low is just by taking good care of your health. Not only does that typically mean low premiums, but you also won't be plagued by coverage exclusions for a pre-existing condition, much less have to appeal when your application is declined.
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By Wiley Long - President, eFLhealthinsurance.com - Florida's leading independent online health insurance agency specializing in individual and family Florida Health Insurance. Get instant Florida Health Insurance quotes, compare plans, apply online, and save your hard earned money!
Source:
http://wileylong.articlealley.com/florida-health-insurance-to-offer-new-online-solutions-2394735.htmlMedical Tourism –Realistic assessment of complications
Medical Tourism –Realistic assessment of complications:
By: Alexis Norman
| Posted: 30th November 2011
The Medical tourism has been a tremendous success in the past decade. The reasons for its popularity includes, but not limited to increased patient awareness, sky rocketing medical costs, the reluctance of insurance companies to cover many procedures and an increase in un insured and under insured patients. The internet age has certainly helped its cause. Today, the patients are better informed, competent of doing more research and are not just simply willing to accept whatever life throws at them.
The learned patient today is ready explore non-traditional options and ready to question the authority. The choices often described in various terms like surgery abroad, health care out sourcing or simply medical tourism. The ability to quickly share the large data of information over internet has helped the patient to get real expert opinions and scientific options. There has been so much noise about medical tourism in the news media lately. Many are simply promotional materials disguised as news, some exciting success stories, some not so successful stories and even some tragic ones. This leaves one with the question- Is medical tourism really safe? “The answer is not a very easy one. You have various groups trying to safeguard their own interests. Patients trying to get cheap surgery overseas regardless of the risk, domestic surgeons and hospitals trying to keep its cash paying customers and some health tourism facilitators trying to just fill their business by whatever means necessary!” says Mr. Bob Talasila, the president of World Medical and Surgical LLC – an American health care professional managed medical tourism company. He says business and healthcare ethics is a tough combination and points out that cheapest is not always the best.
Let us be honest here. Surgery always comes with the risks. Some of the risks include Infection, anesthesia, bleeding and improper surgical techniques. There are several very good JCI accredited hospitals abroad in countries like India, Mexico, Thailand and Costa Rica. These hospitals have worked hard to gain JCI accreditation and now work even harder to keep it. They usually have a dedicated international department and staffs are well versed in English. At the same time there are some hospitals in some South American countries, which have a bed capacity of 6-15 beds. These facilities cannot be called hospitals by any stretch of imagination. Just compare these with the quality JCI accredited hospitals in India that boast 600 to 1500 beds. Is it really possible to provide best post surgical care in such tiny facilities? You draw your own conclusion. The situation is complicated by the fact that some patients blatantly disregard these basic facts just to save a few dollars over a safer hospital. Some of these surgeons might not even have proper training to ensure optimal post surgical outcome. Unfortunately, some of these patients will end up getting post surgical infections (especially in plastic surgery patients), UN desirable post surgical outcomes and will end up in Emergency Rooms and/or might require a costly revision surgery.
Having said that, the post surgical infections are not really rare in America either. How often do we hear about post surgical Staph infections here? Patient also shares a big responsibility in preventing post surgical infections by following wound care recommendations. Some patients try to rush back home against the surgeon’s recommendations and some would prematurely stop the antibiotic use. In reality how much control does the hospital has over an infection, once the patient has left their care? It is understood that medical tourism is about saving money. But at the same time one should not lose sight of the bigger picture- the post surgical outcome and safety.
World Medical and Surgical is America's most trusted Medical Tourism company facilitating Medical Travel programs for North Americans seeking affordable surgery abroad.
The learned patient today is ready explore non-traditional options and ready to question the authority. The choices often described in various terms like surgery abroad, health care out sourcing or simply medical tourism. The ability to quickly share the large data of information over internet has helped the patient to get real expert opinions and scientific options. There has been so much noise about medical tourism in the news media lately. Many are simply promotional materials disguised as news, some exciting success stories, some not so successful stories and even some tragic ones. This leaves one with the question- Is medical tourism really safe? “The answer is not a very easy one. You have various groups trying to safeguard their own interests. Patients trying to get cheap surgery overseas regardless of the risk, domestic surgeons and hospitals trying to keep its cash paying customers and some health tourism facilitators trying to just fill their business by whatever means necessary!” says Mr. Bob Talasila, the president of World Medical and Surgical LLC – an American health care professional managed medical tourism company. He says business and healthcare ethics is a tough combination and points out that cheapest is not always the best.
Let us be honest here. Surgery always comes with the risks. Some of the risks include Infection, anesthesia, bleeding and improper surgical techniques. There are several very good JCI accredited hospitals abroad in countries like India, Mexico, Thailand and Costa Rica. These hospitals have worked hard to gain JCI accreditation and now work even harder to keep it. They usually have a dedicated international department and staffs are well versed in English. At the same time there are some hospitals in some South American countries, which have a bed capacity of 6-15 beds. These facilities cannot be called hospitals by any stretch of imagination. Just compare these with the quality JCI accredited hospitals in India that boast 600 to 1500 beds. Is it really possible to provide best post surgical care in such tiny facilities? You draw your own conclusion. The situation is complicated by the fact that some patients blatantly disregard these basic facts just to save a few dollars over a safer hospital. Some of these surgeons might not even have proper training to ensure optimal post surgical outcome. Unfortunately, some of these patients will end up getting post surgical infections (especially in plastic surgery patients), UN desirable post surgical outcomes and will end up in Emergency Rooms and/or might require a costly revision surgery.
Having said that, the post surgical infections are not really rare in America either. How often do we hear about post surgical Staph infections here? Patient also shares a big responsibility in preventing post surgical infections by following wound care recommendations. Some patients try to rush back home against the surgeon’s recommendations and some would prematurely stop the antibiotic use. In reality how much control does the hospital has over an infection, once the patient has left their care? It is understood that medical tourism is about saving money. But at the same time one should not lose sight of the bigger picture- the post surgical outcome and safety.
World Medical and Surgical is America's most trusted Medical Tourism company facilitating Medical Travel programs for North Americans seeking affordable surgery abroad.
Source:
http://www.articlealley.com/medical-tourism-realistic-assessment-of-complications-2394824.html
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