In the beginning employer based health insurance was a benefit of employment. This form of health insurance first began in the United States back during World War II and was used as a non-monetary reward for employees given during a time where there was a salary freeze do to the war. It was designed to provide employees with free health insurance the cost of which was absorbed by their employer with no out of pocket expense for employees.Time...more
Selection of a health insurance plan should not be based simply on the premiums that you will have to pay but the amount of health care that you will need on a regular basis. If you are person who is having a health crisis or one who is relative healthy but getting on in years you will want to make sure that you get a health insurance plan that covers regular checkups, routine tests, and health evaluations. This is the best way to ensure that you...more
It has been said that only 8 percent of Americans have secured long term care insurance for themselves or their loved; that percentage is too small compared to the average life expectancy rate. As life expectancy climbs, more and more people are worrying about their health and unlikely events that might confront them in later years. The need for long term care insurance come into question. Many people are opposed to it because most policies are seriously expensive, and some believe they could finance their own care. Long term care costs can purge a persons finances and scourge him or her to poverty. A research conducted by the Harvard University on Compensation and Benefits Review claims that more than half or 72% of Americans become impoverished after paying for just a year stay in a nursing home. Not all medical insurance companies offer long term care. Medicare only pays for restrictive institutional care after a three-day hospital stay; the program ignores assistance for daily living such as walking, bathing, and eating. Medicaid somehow covers the bills for nursing home strictly after the person is impoverished. Statistics says it all. The Genworth Financial Cost of Care...more
There is vast range of long term care policies offered from company to company to suit individual needs. However, you must be able to understand and differentiate what those policy embraces, since companies have different underwriting procedures and definition on LTCi policies and premiums. A financial advisor that is well versed in LTCi can help...more
In Australia, you can get private health insurance that will give you more options when you need to visit a doctor or if you have to go to hospital. In some cases, you can get health insurance that will cover you should you require care when you are outside of the country. You should take a look at the different options that are out there that...more
Anyone who wants to ever drive a motor vehicle knows by law that they must have auto insurance. If you are a young driver the cost can be quite expensive. Having coverage for any 16 year older is known as the highest price insurance coverage around today. Should you have a 16 year old teenager who is now learning to drive and lacks experience, will be considered a high risk to any insurance company. However, there are ways to get low premium car insurance for a 16 year old that can be affordable.Anyone who wants auto coverage must understand that the person who is considered to be a high risk must expect the policy to be quite costly. If the young person is a student then he or she can take some classes through any driving courses. By doing this it will help to get lower premiums on auto coverage. These classes can provide plenty of learning for the young teen.Also a teen can be added on to an already existing policy which can help to keep the premium lower. Many companies will offer a discount towards any additional auto that is added to a current policy. The first car will be charged the full amount and then the second one is provided with a percentage that is taken off from the...more
Everyone knows that it is illegal to be driving without having a license. But if you own a car you can still be able to purchase some auto coverage. Each person who operates a vehicle does truly know it can be dangerous if you are ever stopped by the...more
If you are looking for car insurance without a license, be sure to follow necessary steps that allow clients to get reliable and quality products. It is up to you to make sure that you buy auto insurance that fits your budget and it is a good match...more
Are you above the age of 60? If you are, you must start planning for your health needs. Well one of the most important requirements of proper health planning is getting a medical insurance for your self. What is a medigap? Medigap acts...more
When you are looking for private health insurance the best thing that you can do is evaluate different types of health insurance that suits your lifestyle. A suitable health insurance package should meet the needs of your family at a price you can...more
Many people are interested in car insurance low down payment, especially in today's weak economy. You do not want to be caught without having auto insurance. You will face big fines without it, and it comes in handy if you are unfortunately involved...more
For people living in the Sunshine State, it's nothing but common to see them search for a car insurance quotes Florida comparison. This approach is absolutely helpful as the state's residents are paying one of the highest insurance premiums in the...more