Insurance Waiver Program Ending Soon

In just a few months, the federal government will no longer accept applications for health insurance waivers from businesses, corporations, or anyone else. Those who are granted a waiver in the next few months will have it last until 2013. After this, all companies will have to meet the health insurance requirements that are a part of the current reform. How will this affect your family? Certain health insurance requirements were passed in January of 2011. From that point on, insurers who sell group health insurance policies to employers would have to spend at least 85% of the money that … Continue reading

The Truth About Insurance Waivers

There have been some rules that were created under the Affordable Care Act that are designed to protect consumers from some unfair practices that private insurance companies were doing. One of the new regulations defines the percentage of money from premiums that insurers must spend on health care of their customers. Some companies have been given waivers for this rule, which has confused some people. A law was passed in January of 2011 that required health insurance companies to spend a certain amount of the money that they get from premiums on things that either provide health care to their … Continue reading

Make Sure Your Health Insurance is Real

Be very careful before you apply for health insurance. Not all of them are the same. Some of these plans look like they are real health insurance, from a private insurance company, when they are nothing of the sort. You may want to avoid something called Medi-Share, which is exempt from the health insurance regulations that real insurance companies have to abide by. Not all health insurance plans are created equal. You might remember the controversy surrounding the mini-med health insurance plans that some large corporations, (such as McDonalds), were offering their employees. The mini-med plans are inadequate based upon … Continue reading

Is Your Health Insurance Below Standard?

More than a million Americans are about to receive letters in the mail informing them that their health insurance falls short of some key standards that have been created by the new health care laws. These letters will point out exactly what ways your health insurance is below the new standards. Will you be one of the millions getting a letter like this? These letters of notice are going to people who have limited-benefit health insurance plans. The insurance can come from either a person’s employer, or might be an individual health care policy. These are the kinds of health … Continue reading

Pet Insurance

Lately I’ve been thinking a lot about pet insurance. Maybe because of all the money we’ve had to fork out for Murphy’s paw surgery. Except, I’m not sure if pet insurance would have covered it. I’m not that well versed in the various pet insurance policies out there. But I keep seeing them advertised, so I thought I’d check into it a bit more. Besides, it makes a great article for the Pets Blog! Types of Pet Insurance Policies Who has them and where can you get them? Below is a list of some of the pet insurance providers I … Continue reading

Frugal Living Month in Review: July 2008

July went by so quickly for us! There were so many fun and frugal activities and events for us to explore, from a science camp to free movies and sand sculpting. I hope your July was equally fun and frugal. Summer is a busy time, I know. Did you miss any frugal articles last month? If so, here is an opportunity to catch up on what you missed. There are new ways to save money on food, clothing, kids, gas and more. Feel free to leave a comment on any frugal post. I read all of the comments myself, no … Continue reading