The majority of Americans who have health insurance are able to afford it because it come to them through their employer. Some employers are starting to include coverage for pet insurance. This can make it much easier for pet owners to take good care of their dogs and cats. It is absolutely vital that people have affordable health insurance coverage. Those that don’t have it either hold off getting the health care they need until a minor issue becomes a serious one, or they end up in debt from medical bills. Your employer sponsored health insurance can cover you, your … Continue reading →

The insurance policy that you bought, several years ago, might not be adequate today. If your life has changed, then so have your insurance needs. State Farm has some advice about five critical times to review your insurance. Reviewing your insurance policies may sound boring and tedious. This is probably why many people avoid it. Keep in mind that if your life has changed then your current insurance policies might be inadequate. In some cases, reviewing your policies can reveal that you are paying for more coverage than you need. You might find a way to save some money. State … Continue reading →

I got a letter from my insurance company that informed me that my health insurance plan had been discontinued. The first thing I did was contact my insurance broker to find out what advice she would have about what I should do. She had some good suggestions. At this moment, it is difficult for me to think of a situation more frustrating than having my health insurance company send me a letter telling me that they have decided to “discontinue” my health plan a few months after selling it to me. It is making me feel as though being able … Continue reading →

Do your children need to have some immunizations before they can attend school this year? Your health insurance covers school shots, without a co-pay, deductible, or co-insurance, if you get them from an in-network provider. That provider could be a pharmacy. Part of the Affordable Care Act went into effect on September 23, 2010. It requires all health insurance plans to cover immunizations for children who are zero through eighteen years of age without any cost-sharing requirements. This means you can get your children the shots that they need for school without paying a co-pay, co-insurance, or deductible if you … Continue reading →

Some types of health insurance require a person to pay a co-pay at the time that they are seen by a doctor. Others will not. If your insurance plan wants you to pay a co-pay, then you need to find out how much that co-pay will be. Here is how to go about figuring out that important piece of information. Today, I had reason to use my brand new health insurance plan for the very first time. The receptionist at my doctor’s office noted that I had new health insurance. She asked me what my co-pay was. I had no … Continue reading →

Most of the time, when a person gets a life insurance policy, the person makes his or her spouse the beneficiary. In general, that is a very smart idea. However, if the marriage ends in divorce, things can get a bit tricky when it comes to life insurance. State Farm Insurance has some advice for people who are about to divorce. Read it over before you sign “the papers”. It is always stressful when a marriage ends in a divorce, even for those who have an “amicable divorce”. Getting a divorce means that there are a plethora of things that … Continue reading →

Soon, you might be looking for a new insurance policy in places that you never have before. The number of domain names has been expanded. Several new ones have been designed for use by insurance companies. This might give you some brand new options for the next time you are looking for insurance coverage. Where do you go when you are trying to find an insurance plan? Some people get health insurance from their employer, and have no need to look elsewhere. The rest of us might look for health insurance with the insurer that we have a homeowners policy … Continue reading →

It is reasonable to expect that you, and your spouse, will need long-term care insurance. That type of insurance can be more expensive than what many couples can afford. Instead, you might consider shared-care insurance. It provides expanded coverage and is more affordable. Long-term care insurance is designed to cover the cost of the type of care someone will need after her or she can no longer preform everyday tasks. It is to help pay for the medical care, and day to day care, a person needs when he or she has a chronic illness, debilitating injury, unrecoverable disability, or … Continue reading →

Summer is a time when people are able to engage in activities that they cannot do the entire year. This is when families take vacations, go swimming, and throw backyard parties. Now is a good time to make sure that you have the right amount of insurance protection just in case something doesn’t go as planned. Hot weather makes many people decide to go swimming. Does your family have a pool in the backyard? If so, then make sure that your homeowners insurance company knows about it. The addition of a pool increases your risk of liability. If a friend … Continue reading →

There are some types of insurance that you cannot do without. Most states require drivers to purchase auto insurance. It is wise to purchase homeowners insurance and life insurance. It is difficult to pay your medical bills without health insurance. On the other hand, there are some types of insurance that you probably don’t need. You probably don’t need wedding insurance. Obviously, this type of insurance is designed for people who are currently going through the process of planning their weddings. One of the protections it provides is financial reimbursement if a vendor brings the wrong flowers or the caterer … Continue reading →