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Dental Plans VS Dental Insurance

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What is better for your family, a dental plan, or dental insurance? Both are potential options that will help make dental healthcare more affordable for you, and your family. You can purchase either a dental plan or dental insurance as an individual, (if your employer doesn’t offer it to you as a benefit of your job). It is important for consumers to understand the differences between a dental plan and dental insurance, in order to really know which is best for their family to have. Dental insurance comes as one of three different types. Those types are an HMO dental … Continue reading →

Workers Paying More for Less Health Insurance

Do you get your health insurance through your employer? If so, you may have noticed that you are paying more for monthly premiums, co-pays, and to see specialists now, then what it cost you in the past for the same services. It turns out that workers are paying more for their health insurance, despite the fact that the actual price of family health insurance didn’t go up very much in 2009. There are many different types of health insurance, to choose from. There are still a lot of people, myself included, who have no form of health insurance whatsoever. A … Continue reading →

The Differences between Types of Insurance

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It is easy to get confused about the differences between EPO, HMO, PPO, and POS health insurance. Here is a quick list that should clarify the differences between them. What are the networks like? HMO: large network Care from in network providers is covered. You pay for care from out of network providers. PPO: large network Care from in network providers is covered. You pay for care from out of network providers, and then submit a claim form to your insurance company. They may or may not reimburse you for the cost. POS: large network Care from in network providers … Continue reading →

Motorcycle Insurance Basics

Summer is here and it’s the time of year many families break out the motorcycles! Weather you are just the weekend rider or a hardcore biker insuring your motorcycle can be a frustrating process because many insurance carriers don’t offer motorcycle coverage. It’s important to understand the coverage’s, conditions and exclusions of any motorcycle insurance policy your auto insurance company may offer. Many people assume their motorcycle insurance policy covers all the same things their auto insurance does only to find out at the time of a loss that some kinds of claims are not covered or not covered the … Continue reading →

Increased Competition Reduces Medicare Fraud

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A pilot program that has been going on for a year has resulted in $200 million in savings for Medicare. It started in nine cities, and will be expanded soon. The experiment showed that competitive bidding for personal medical equipment led to savings for Medicare. This is good news for consumers. This experimental program was launched in nine metropolitan areas. Those areas were: Charlotte-Gastonia-Concord, (North Carolina and South Carolina), Cincinnati-Middletown (Ohio, Kentucky and Indiana), Cleveland-Elyria-Mentor (Ohio), Dallas-Fort Worth-Arlington (Texas), Kansas City (Missouri and Kansas), Miami-Fort Lauderdale- Pompano Beach and Orlando (Florida), Pittsburgh (Pennsylvania), and Riverside-San Bernadino- Ontario (California). The purpose … Continue reading →

Mercedes-Benz Brings Facebook to Your Dashboard

Mercedes-Benz USA is about to unveil a special version of their luxury cars. This new model will have a small screen on the dashboard that will allow the driver to access a simplified version of Facebook. I cannot imagine that auto insurance companies are going to look favorably upon this idea. The new Mercedes will come with an in-vehicle telematics system. It includes one of those “intelligent screens” that have started appearing in many new cars and trucks. At least some of those screens allow people who are inside a vehicle to use the screen to access the internet. There … Continue reading →

Hospital Chain in Massachusetts Become Health Insurer

A hospital chain in Massachusetts is trying something different. They have created a health insurance policy that costs less than what many other insurers are charging for premiums. The “catch” is that the insurance is only usable for care and treatment that was given in one of their hospitals. Could this be the future of health insurance? Right now, hospitals and insurance companies are completely different entitles. They work closely together, but they are legally and financially separate from each other. You apply for health insurance through an insurance company. If the insurer approves your application, then you can use … Continue reading →

Obama’s Birth Certificate Revealed To The Public

This morning, the White House released President Obama’s long-form birth certificate to the public, for all to see. Obama felt that it was important for the public to see his long-form birth certificate because lately there has been a lot of controversy over his birthplace, and that controversy has been taking the focus off of other events of national importance. In 2008, Obama had released a similar certificate called a “Certificate of Live Birth”, but a group of people who have come to be known as the “birthers” said that that form of a birth certificate was not proof positive … Continue reading →

What is Medicaid?

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Medicaid is similar to Medicare is some ways. Both are types of government run health insurance. Each one has separate parts. Both of them are designed to help the elderly and disabled with their medical bills and the cost of prescription drugs. However, there are some differences between Medicare and Medicaid that you should know about. Medicaid is only available to some low-income individuals and families who fit into an eligibility group. The group must be recognized by both federal and state law. Individual states will have their own requirements about who is, and is not, eligible for Medicaid. This … Continue reading →

Paying Off Loans

If you have debt and are looking to start paying it off, then you need to evaluate where to put your money first. For those with a couple of loans, this process may only require a piece of notebook paper. But for most of us with a variety of loans and debts, create a spreadsheet to compare the variances between them. These differences will help you decide which loans need to be paid off first. Start by lining up all your sources of debt. Common types include: *Mortgage *Home Equity Loans *Lines of Credit *Credit Cards *Student Loans *Automotive Loans … Continue reading →