insurance tips

Disability insurance for self employed individuals can make an injury or sickness a small setback instead of a business ending event.

Buying health insurance can be complicated, but buying the wrong policy can have a devastating impact on your financial well being. It is important to be aware of more than just the price. The network, the benefits including the deductible and co-pays and the insurance company behind the policy are all important issues to consider.

Finding health insurance for unemployed people often involves comparing policies with some of the same carriers that insure businesses. This means that an individual can be insured with a company he or she trusts.

Although a stay-at-home mom brings no money in the door, she keeps a lot of money from going out of the door. If we only look at the cost of childcare, she saves her family a lot of money.

Health insurance plans that cover maternity are often much more expensive than otherwise similar individual health insurance plans that do not provide pregnancy insurance. For this reason you we suggest two strategies to lower your costs.

Having two health insurance policies means that you will pay twice. It doesn’t mean that you will get twice the benefits. When you combine the insurance rates they may be double the rate of having one policy, however when you combine the benefits they won’t be.
You may wind up with slightly more in benefits, [...]

Zero deductible health insurance plans are often more expensive than they are worth. You may wind up paying a lot more in monthly premiums and getting a little more in benefits.

Today most health insurance companies use provider networks for their policies.  You should know the advantages and disadvantages of plans that use provider networks.
Advantages of Health Insurance Provider Networks
The advantages of a policy with a network of doctors, hospitals and other providers are the lower cost for medical care and the lower [...]

Many carriers are encouraging their policy holders to pay via credit card today. This has both pros and cons. It may mean that you have coverage when you need it. It may also mean that you are paying 20% extra for your policies and are getting deeper in debt.

What will it cost you to have a medical emergency but no medical insurance?  It can cost you everything that you have worked for.  Finding ways to reduce your medical insurance costs without eliminating coverage can mean that you get to keep your house, your credit and your health.
Health insurance can [...]