Search Results for: blog what is high deductible health insurance

Your Guide to Insurance Savings

Everyone has to carry some form of insurance, whether it is homeowners insurance, renters insurance, auto insurance or private medical insurance. Being able to find ways to reduce the amount that you have to pay on your premiums is important. With less money leaving your family budget for insurance, you’ll have more money for savings and other needed expenses. 1. Raise your deductible If your insurance deductible is less than $500, consider raising it to at least that amount. The higher your deductible, the lower your insurance rate. The deductible is the amount that you will pay first before the … Continue reading →

Top Reasons to Use an Insurance Broker

Have you ever used an insurance broker? There are so many good reasons to do so! Using an insurance broker to find a good, affordable, health insurance plan is a great idea. Here are the top reasons to go ahead and seek out the assistance of an insurance broker. Insurance brokers are experts. They know more about the current and upcoming laws, rules, and regulations that affect health insurance than you will. An insurance broker can tell you if the health insurance policy you are considering buying will not be considered to be a sufficient plan in 2014. They can … Continue reading →

Hurricane Sandy and Your Homeowners Insurance

Homeowners insurance is supposed to provide financial help after damage has occurred to your home. Families who were affected by Hurricane Sandy may soon be battling their insurance companies over deductibles. It basically comes down to what the “fine print” says. Hopefully, everyone who had their home damaged by Hurricane Sandy also had a good homeowners insurance policy. Homeowners insurance is supposed to help with the financial aspects involved with repairing damage to your home, garage, driveway, yard, and more. It is also supposed to provide funding for you to replace personal property that was inside your home and that … Continue reading →

Michigan Has a Healthy Kids Program

There is a Medicaid program in every state. Each one has a portion that is designed to cover children who come from low-income families. Sometimes, it is called CHIP. In Michigan, there is a Healthy Kids program, MIChild, a Children’s Special Health Care Services, and more. Medicaid is a public, or government run, health insurance program. It is designed to cover individuals and families who are low-income, and who cannot afford to buy a health insurance program from a private health insurance program. Medicaid is funded, in part, by the federal government. It is also funded by the government of … Continue reading →

Blue Shield Wants to Close Individual Insurance Plans

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Blue Shield Life and Health company wanted to close most of its individual insurance plans. California Insurance Commissioner Dave Jones disapproves of this closure, and says that it does not comply with state law. The insurer says that it will work with the Insurance Department before any rate hikes are imposed. In California, Blue Shield has stated that it intends on closing most of the individual health insurance plans that it currently offers. This is creating some controversy. The decision would affect around 248,000 people who live in California. To me, it sounds as though the insurer wants to get … Continue reading →

Insurance Podcast Roundup – Week of May 7, 2012

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Once a week, the Insurance Podcast Roundup brings you brand new episodes of podcasts that talk about topics that are related to insurance. Listening to these episodes is a good way to stay on top of the news that could affect the insurance policies that protect your family. NPR has an episode of “Weekend Edition Saturday” that was released on May 5, 2012. This episode is called “In New Orleans, A Health Clinic for Working Musicians”. Many of the musicians who are preforming at the New Orleans Jazz and Heritage Festival do not have health insurance. The New Orleans Musicians’ … Continue reading →

Insurance Podcast Roundup – Week of April 30, 2012

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Each week, the Insurance Podcast Roundup brings you brand new episodes of podcasts that discuss insurance related issues and topics. Listening to these podcasts is a great way to keep up with the changes that may affect the insurance that covers you and your family. NPR has an episode of “All Things Considered” that was released on April 26, 2012. This episode is called “Colorado Extends Medicaid To Some Adults Without Kids”. Typically, Medicaid covers children, women who are pregnant, people with certain types of disabilities, and people who are over the age of 65. Colorado found a way to … Continue reading →

Comparing Different Potential Health Plans

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Yesterday, I contacted an insurance broker in the hopes that she could help me find an affordable health insurance plan. She sent me quotes for three different policies. Now, I need to compare them, and figure out which one would be best for me. An insurance broker is someone who makes a connection between a person who wants to buy health insurance and several insurance companies who sell health insurance. It is the broker’s job to be up to date on what all the different insurers offer as well as the laws that make changes to all health insurance policies. … Continue reading →

Examining a Potential Health Insurance Plan

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I have once again begun the quest to find affordable health insurance. This time, I am seeking a health plan that will cover only me. My husband has Medicare Part A, and will have Part B soon. We have no children. I am taking a close look a policy that appears to be one I can afford. Earlier this week, I used HealthCare.gov to try and find an affordable health insurance plan. You can use that website to narrow down a whole bunch of health insurance plans, in order to find one that you can, (hopefully), afford. To be honest, … Continue reading →

Health Insurance Coverage for Type 2 Diabetes

Chef Paula Deen recently revealed that she has Type 2 diabetes, and that she has had this condition for the past three years. I don’t happen to know any specific details about what her health insurance policy is like. However, I thought it would be good to review what is typically covered in regards to Type 2 diabetes. I think that at least some of Paula Deen’s fans were surprised to hear that she has Type 2 diabetes. Others might point out that her Southern style of cooking tends to contain a lot more fat, butter, and salt than most … Continue reading →