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Two Things You Should Know About Health Insurance Quotes

Tuesday, March 11, 2008 at 6:43 AM Posted by dr-fritzs


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Finding an affordable health insurance policy can be a tricky thing these days. For one thing, what's "affordable" for one person or family, may be completely out of reach for another. Also, there are many different factors to weigh when you're looking for health insurance coverage. Let's take a look at a few of these factors.

#1. Price - this is pretty much a no-brainer. You can either afford the policy or not. The best thing that you can do is to get several health insurance quotes. Set up a new email address specifically for this reason so you don't get hammered in your primary email box and then simply sort through the quotes. You can do these anonymously with a fake phone number until you get a couple dozen (at least) that are in your price range. After doing this, contact them again directly and start asking specific questions about policy coverage.

#2. What does the policy cover? - Not all health insurance policies are created equal. As a matter of fact, some policies may not measure up to your needs at all. I watched an interview of Michael Moore, the director of the new movie "Sicko", on "Larry King Live" recently and this topic was discussed in depth. You need to make certain that you have at least a minimum amount of coverage for lengthy hospitalization, ambulance and much, much more. You need to get a copy of what each policy actually covers and compare them against each other, while factoring in what coverage you're getting for the price.

Finding affordable health insurance is no different than shopping for any other consumer product. You'll want to know what it covers, how much it covers, what it does NOT cover (exclusions), what are the limitations of the policy and how much does it cost? There are, of course, other factors to look at, but this should give you some general guidelines in your search to find affordable health insurance.








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Tips For Finding Affordable Health Insurance Quotes

at 6:04 AM Posted by dr-fritzs

If you're in need of affordable health insurance quotes individual and family, a highly recommend that you simply get online and start looking for free life insurance quotes. After you get several of these in hand contact the company directly and ask him if there's any way that you can get these things lower. This is called negotiating my friend and it works.

When you got quotes in hand and you can get on the telephone with these people and say I notice your quote of $50 of that code here for $40 for the same thing, is there any way possible that you can meet or beat that price? If they can't then you move on to the next one. Don't burn any bridges by the any means, but keep notes of who has the lowest quote's, what the actual pros and cons of each policy are, look at the different savings advantages by raising your deductibles, etc., you get the idea.

And if you're looking for affordable health insurance quotes for individual and family, I hope you realize that there's going to be a substantial difference for individual life insurance costs and family life insurance costs. With individual plans I highly recommend getting the higher deductible because it's easier for you to pay every day doctor visit costs out-of-pocket and carry the insurance itself in case of major expenses such as hospitalization. This is much more difficult to do for a family because the everyday costs of visiting a doctor would get out of hand quickly.

As I stated previously, your best bet is to start getting several free life insurance quotes right now and again touch with the insurance agents directly and leverage the quotes that you have in your hand. Just like in any business people are going to be more likely to give you a discount rather than send them to your competition and let them take the sale.








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10 Year, 20 Year And 30 Year Term Life Insurance

at 5:56 AM Posted by dr-fritzs

Let us take a look at the 10 year, 20 year and 30 year term life insurance policies.

You know, you have a bunch of great policies that the public can choose from, however, for some reason there are certain ones that just stand out. They tend to stand way above all level term life insurance policies. Sometimes I wonder why. Don't misunderstand what I am saying here, the 10 year, 20 year and 30 year term life insurance policies are great policies but so are the 15 year and 25 year term life policies.

20 Year Term Life Insurance

Why would the breadwinner of a family consider the 20 year term first? I guess the choice depends on the point in time that this person decides to buy. In some cases there is a new baby in the family, perhaps the first child. These young people are so overjoyed at the presence of this newborn they just want to do everything possible to protect their new bundle of joy. 20 years sounds like a good period of time to plan for so off they go and buy their 20 year term life insurance policy. A 25 year or a 30 year term life insurance policy probably would have done just as well but they choose the 20 year policy.

30 Year Term Life Insurance

Why would one choose a 30 year term life insurance policy. Keep in mind the 3 most outstanding term policies are the 10 year, 20 year and 30 year term life insurance policies. I think that people buy the 30 year term life insurance policy because they simply choose to look further ahead. These people look as far ahead as the college years. They want to be assured that the children are well protected right up until graduation from college. Sometimes they plan to have sufficient cash to give each child a start after graduation as well.

Business people often choose the 30 year term life insurance policy over the other policy types as they want to do their insurance buying now and not think about it any more for a while. They should rethink their insurance needs every year but at the outset they choose the 30 year term anyway.

Some of the buyers examine the 10, year, 20 year and 30 year term live insurance policies and choose the 30 year policy because they are acutely aware that if a shorter term was chosen they may outlive their policies. They may still need insurance thereafter and possibly may not qualify for it.

10 Year Term Life Insurance

The 10 year term life insurance policy is usually chosen for one of 2 reasons. It is quite inexpensive thus more people can afford it. They buy this policy intending to buy one for a longer period of time sometime in the future. If they are unable to qualify for the new policy in the future the life insurance company may allow them to convert to a permanent policy. This, of course, would be by contractual agreement. Buy buying the 10 year term policy they at least have the coverage now. They can feel more secure.

The other reason why the 10 year term policy may be chosen above the others is that the purchaser is buying his or her first policy later on in life. Your youngest is now a teenager and you are aware that you are getting older. The 10 year policy will guarantee that this child will have sufficient cash to help him or her through high school and college.

The 10 year, 20 year and 30 year term life insurance policies are great policies. Give them some thought when you feel you need some life insurance.








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Second Home Insurance: Buy To Cover Your Luxury Home

at 5:55 AM Posted by dr-fritzs

Second home is bought by people in UK mostly for giving it on rent to people who come to spend their holidays. Hence it is very important to take perfect precaution to keep your second home protected as it is your first home and it is also a very good source of income for you. Second home is also a real luxury to afford it and something that you have worked probably very hard towards. Second home insurance enables you to provide the proper protection to your second home or holiday home.

Your second home can have the same risks as your primary home from fire, theft, flood and riots etc. so home insurance policy for your second home is the most essential thing to buy for the protection of your second home. Second home insurance provides for the following cover-

Building cover: second home insurance provides cover for your building structure which will include swimming pool, summer houses etc.

Contents cover: your second home insurance can also cover for the belongings of your home thus giving you added peace of mind.

Legal cover: it will provide valuable legal protection to your second home as part of your insurance.

Personal valuables: it can be covered by your second home insurance at an extra cost, which can provide added peace of mind. This can include valuables such as laptop, camera and any especially valuable item in your second home.

However it is important to check that any second home insurance policy before making a commitment to buy that it will provide you the covers that you require for your home. Different insurance companies offer policies for second home insurance with varying terms and conditions, so it is advisable to compare both premiums and coverage before making a decision. The cost of cover will vary on the level of cover you take out as well as on the property itself and the purpose for what it is used. Sometimes insurance companies do not extend whole coverage to the second home so it is better to check the terms and policy details before you commit to a second home insurance policy.

As you begin to research about the best policy of second home insurance, you can do it well through internet. Online you can search for the second home insurance policy within no time and even without expending a lot of money. The quotes for second home insurance are available free on the internet. Hence you can search the suitable second home insurance policy for your second home and enjoy the real pleasure with security.








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Insurance Agencies Are Missing Out On Millions

at 5:53 AM Posted by dr-fritzs

Agencies Missing Out On Millions

Is it true that Insurance Agencies are supposed to provide beneficial products and services that their clients need and deserve? Insurance agencies have been around for hundreds of years providing many forms of insurance plans and policies that are greatly needed. However, there is a huge $15 to $25 billion available market ready for insurance agencies, agents, and any professional sales person to jump in and take advantage of this huge opportunity. As I see it, there are not many agencies providing these beneficial products and services to their clients. If this is truly the case, whose interest are these agencies really looking out for—it seems not the client’s interest. The bottom-line is consumers need these products and services so why aren’t the agencies providing the services at neck-breaking speed.

The Huge Need for Product

In North America and Canada, there is a huge need for legal counsel services. Less than 3% of the population has access to quality legal services. Why is that? It could be that people are intimidated by lawyers, they simply don’t know whom to call, or maybe they feel as if they will not be able to afford the attorney’s fees. This very instant over 50% of families today has a legal situation. The sad part of this is that most of the families will either ignore the problem or try to handle it themselves.

The Value Of A Plan

With other insurance products and services, the client have to wait for something bad to happen before they can extract any value out of the plan they prepay for on a monthly basis. Like a prepaid cell phone, a prepaid calling card, or a prepaid debt Visa/Master card, as a client, I want to be able to reap the benefits of having the plan the very same day if needed. This usually not the case with insurance plans today.

Insurance agencies, you can make this happen for millions of North Americans and Canadians today. Remember less than 3% of the people have these products and services. Only one company has these products and services ready for your agency and sales team to provide to your client base. If you are not ready to provide your clients legal service plans then someone else will.

If you are talented in selling and motivating a sales force then legal service plans are the perfect product for you and your sales force. The challenge to you is whether you choose to get involved with this moneymaking product and million-dollar opportunity. “Human Capital” is an expensive investment and by giving your sales staffs the opportunity to sell legal service plans and services. You will be giving them the ability to make as much commissions as they want to make without huge overhead cost to the agency. With these legal plans alone, your agents can give themselves a raise any time by selling more plans. As they sell more plans, you will see your bottom-line profits increase tremendously. The benefits here are the agency makes more money and retains more of its sales force, the agents makes more commissions, and the clients gets the products and services they can use minutes after purchasing. By adding, this product to your existing products and services can ind!

eed enable any company with a professional sales force to grow faster than its competitors. Increased profits and commissions without additional overhead cost, this is truly a powerful moneymaking opportunity for sales companies.

Benefits All

When an insurance agency or any sales professional provide these products and services everyone involved benefits with each sale. For instance, the agency benefits immensely because:

1. It allows its sales force to provide a product that the client can use immediately after purchasing.

2. It gives the agency’s sales team the ability to make money daily and as the sales team earns immediate commissions the agency will be earning daily revenue via direct deposit if it choose to.

3. The sales agency locks in it sales force even if the sales person is no longer employed with the agency. The agency continues to profits whether your sales agents are selling your products or the legal service plans and services.

As long as the sales person continues to make sales, the agency will continue to earn revenue from the sales person. For the sales person, they can set the limit of how much their income increases by the level of their sale production. A top money earner in the company, who was once a Real Estate agent in the family business, started selling the products and in two and a half years, he earned over $1 million in commissions. With several agents earning a million dollars in commissions, you could very well see a six or seven figure increase in your year-end revenue report. Lastly, the benefits for the client are immediate use of the plan from the time of sale. The client is also able to provide legal services protect their family with one low monthly fee.









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Why Is Drug Rehab Insurance Coverage Part of Mental Health Bill?

at 12:55 AM Posted by dr-fritzs



Alcohol or drug abuse affects 25 million Americans; only four million get treatment

The need in this country for increased insurance coverage for alcohol and drug addiction treatment is indisputable. Drug rehab and drug detox have little or no recognition among health insurers, yet drug addiction is a major cause of ruined lives, family violence, emergency room visits, and death. According to the U.S. Bureau of Labor, alcohol and drug addiction also cost America $77 billion each year in lost productivity. Clearly something needs to be done to make it easier for addicts to get alcohol and drug rehab.

But the question that leaps out when one reads the Paul Wellstone Mental Health Equitable Treatment Act, H.R. 1402, is this: is substance abuse and addiction “mental illness”?

The proposed “Wellstone bill”, H.R. 1402, would require insurance companies to treat “addiction and other mental health disorders” on an equal basis with other chronic diseases, such as diabetes or hypertension.

The Wellstone bill is being sponsored by U.S. Reps. Patrick Kennedy (D-RI) and Jim Ramstad (R-Minn). Kennedy has said that we should “. . . end the discrimination against those with mental health and substance abuse disorders.” And Ramstad said Congress should “. . . end the discrimination against people with mental illness and chemical dependency.”

Where is this idea coming from that people with schizophrenia or bipolar disorder are in the same category as alcohol or drug abuse, including those inadvertently got hooked on addictive prescription drugs. Is it possible that they are not mentally ill – that they simply need drug detox and drug rehab?

For example, was Justice William H. Rhenquist of the Supreme Court “mentally ill” because he was hooked on powerful painkillers for a decade before he entered drug rehab? You’d have a tough time convincing college law professors or anyone on the Supreme Court that we should go back and cancel 10 years of brilliant and insightful decisions and opinions – the ones that later got Rhenquist appointed Chief Justice – because he was “mentally ill.”

Or what about one of America’s most famous, prolific and successful writers who for decades was either drunk or wired on cocaine, Xanax, Valium, NyQuil, cough medicines, or marijuana? Was Stephen King “mentally ill” when he wrote several intricately plotted, best-seller blockbuster novels? We never heard anything about “mental illness” when King went into drug rehab in the 1980s. And he’s been sober ever since.

And let’s not forget that Sigmund Freud, the father of psychoanalysis, was a habitual cocaine abuser who sang the drug’s praises for years to anyone who would listen. After a friend died of an overdose, he abruptly gave it up and quit promoting it – not the action one expects from someone who is “mentally ill”.

The so-called “mental health parity” bills such as the Wellstone bill have always failed to pass – and there’s been a lot of attempts over the decades. Aside from the huge lobbying efforts against it by the insurance industry, perhaps people also feel deep down that substance abuse and mental illness are not the same thing at all and do not belong together in a such a bill.

The “mental health industry”, as it’s known today, receives billions of tax dollars every year in grants and other forms of support. In comparison, appropriations for alcohol and drug rehab are a drop in the bucket. Yet untreated dependency and addiction are costing us $77billion in lost productivity - more than heart disease, diabetes and cancer combined, and far more than “mental illness.”

According to the Substance Abuse and Mental Health Services Administration, nearly 25 million Americans suffer from a substance abuse problem. And less than four million of these victims receive the drug rehab they need.

If we really want to do something about this situation, we need to separate these two issues and get each of them into their own proposed legislation. That way we may have a better chance to get the insurance industry up to speed on helping the millions of Americans who are not mentally ill, and who too often need financial help getting into and through a successful drug rehab program.










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