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Insurance Related New Year’s Resolutions

We are nearly at the end of 2011. Now that the chaos that comes with the holidays is over, people start thinking about the year to come. Have you made any insurance related New Year’s Resolutions? It might be a good idea to reassess your insurance coverage. Right now, you are likely to have at least one or two insurance policies that do not require you to make any changes. For me, this would be my auto insurance policy. I did not purchase a new vehicle in 2011, and my husband and I didn’t need to buy a second vehicle. … Continue reading →

Alternatives to Private Health Insurance

My husband and I canceled our health insurance policy. To make a long story short, it was more expensive, (and provided less coverage), than we expected. What are we going to do now, without insurance from a private company? There are plenty of options. There are some alternatives to getting a policy from a private insurance company. Not everyone will qualify for public health insurance, but my husband does. He is legally blind, which means that he is disabled. This means that he is eligible for Medicare Part A. This is something that he has been getting for many years … Continue reading →

Insurance Blog Week In Review August 15-21, 2007

Insurance Term Of The Week: Surplus Lines Insurance Wednesday August 15, 2007. Surplus Lines Insurance markets are needed to provide alternatives for unusual or higher risk insurance not offered by licensed insurers or insurance companies in the state a customer lives. There are often situation where insurance coverage is unavailable from licensed insurers because of the risk exposures or because coverage terms and conditions don’t provide the specific insurance a customer needs. Related Blogs: Some History About Lloyd’s Of London Speciality Lines Insurance Million-Dollar Legs. Body Part Insurance This week I decided I wanted to get the Glossary of Insurance … Continue reading →

North Carolina Makes it Easy to Learn About Medicaid

Every state has a Medicaid program. Some states intentionally make it difficult for people to learn about the eligibility requirements for Medicaid, and make it hard to apply. North Carolina, on the other hand, makes finding this vital information very easy for people. Medicaid is a public, or a government run, form of health insurance. It is designed to cover individuals and families who are low income and who cannot afford to purchase a health plan from a private health insurance company. Medicaid is funded, in part, by the federal government. It is also funded, in part, by the government … Continue reading →

Seniors in Doughnut Hole Likely to Stop Heart Drugs

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The Medicare “doughnut hole” is the name given to a situation where seniors suddenly find themselves without coverage for their medications. A study finds that when seniors reach this annual gap, they are most likely to stop taking their heart related medications. There are four parts to Medicare. Part D is the one that provides coverage for prescription medications. Seniors who become eligible for Medicare are able to get Part A right away, and might also be able to sign up for Part B at that time. To get Part D, a senior has to seek out this sort of … Continue reading →

What is Family PACT?

Family PACT is not, technically, the same thing as health insurance. However, it is a good option for low income people who are interested in obtaining health care that is related to family planning. It is a program that exists only in California. Other states may have a similar program, with a different name. People who are able to afford to purchase private health insurance can receive everything that has officially been categorized as “preventative care” for free. This health reform law went into affect on March 23, 2010. All health insurance policies that were purchased on or after September … Continue reading →