As a person who doesn’t have health insurance, I am very aware of how expensive a visit to the doctor could potentially be. As a result, I have had to learn what I can do in order to keep the cost of receiving medical care, and prescription medication, as low as possible. Here is what worked for me. I am among the millions of Americans who cannot afford to purchase private health insurance. Like most Americans, I do not have the type of job that offers employer sponsored health insurance. So far, I haven’t been able to qualify for (most … Continue reading →

Christmas is just a few weeks away. Some of us have already begin our annual pilgrimage to the U.S. Post Office, to mail gifts and cards to loved ones who live across the country, (or across the world), from where we do. You can get a form of insurance to protect some of those parcels. The closer it gets to Christmas, the more likely it is that you will end up visiting the U.S. Post Office. Many of us mail a multitude of holiday cards to friends and family that are scattered out across America, (or around the globe). Lots … Continue reading →

Your credit card company has probably offered to sell you some form of “payment protection” insurance. It may sound like a helpful thing to you to have. In reality, these types of insurance plans rarely provide much help to consumers. Instead, they generate income for the bank or credit card company. Credit card companies, and banks that offer credit cards, will frequently try to sell customers some sort of what amounts to a type of credit card insurance. It might be called “payment protection”, or worded in a way that implies that your credit card bill will be taken care … Continue reading →

Are you planning a big wedding? There are a lot of people who spend more than a year figuring out every little detail about exactly how they want their wedding to be. Making this happen can cost thousands of dollars. Wedding insurance can give you some protection in case something goes wrong. Later on this week, I will be flying halfway across the country to attend my sister’s wedding. This will be my first experience being a bridesmaid. So far, I am amazed by how many little tiny details bridesmaids have to deal with. I purchased the dress, and found … Continue reading →

Pet owners have a choice. They can purchase pet insurance, or they can decide not to. There are no laws that require pet owners to buy this type of insurance. Is it worth it for you to spend money on a monthly pet insurance premium? The answer for that question depends on many factors. Pet owners love their pets. Many pet owners consider their pets to be as important a part of their family as the human members are. How often have you heard a person refer to their pets as their “fur babies”? I have seen people shopping in … Continue reading →

Are you planning on enrolling in Medicare this year? You need to know that the enrollment dates have changed. You may want to take a close look at the eligibility requirements, and consider the different parts of the Medicaid program. Medicare has two different enrollment periods. Both of them are for people who already have Medicare, and who wish to make changes to their Medicare coverage. If you are not currently enrolled in Medicare, then the open enrollment periods are not for you. Usually, the open enrollment period for people who wanted to make changes to their Medicare Advantage plans, … Continue reading →

Health insurance companies use a bit of gamesmanship when they select which customers they are going to cover, and which they are going to deny. Their purpose is to keep their costs as low as possible, while increasing their profits. Savvy consumers can play this game, too. The more you know about how health insurance works, the less hassle you will have to deal with. You might even end up saving yourself some money in the process. Does your health insurance come with a network? If so, then you can save yourself some money by making sure that the doctors … Continue reading →

Young adults who have just graduated from college are transitioning from being a student, to joining the rest of the adults in “the real world”. One of the first things new graduates need to do is make sure that they are properly covered by certain kinds of insurance. Yes, insurance premiums can be pricey, but life can get a lot more expensive for those who have no protection from insurance. Where are you going to be living? If you are renting an apartment, then you are going to need renters insurance. This type of insurance policy is designed to replace … Continue reading →

Going through a divorce is stressful. It requires a person to make a lot of changes that can be difficult to experience, from both an emotional and financial perspective. People who have recently gotten divorced should take a look at their existing insurance policies. You might want to make some changes to them, for your own protection. The National Association of Insurance Commissioners (NAIC) has put together some tips that can help people who recently got divorced figure out what changes they need to make to their insurance policies. Now that your divorce has been finalized, it is time to … Continue reading →

A standard homeowners insurance policy can help you repair damage to your home, and to replace items that were stolen from it. However, this type of policy doesn’t provide you with financial protection for damages caused by the wrath of mother nature. Instead, there are a variety of other insurance policies that can help. Just make sure you buy the right kind of insurance before a disaster strikes. What happens if an earthquake strikes, and damages your home? A typical homeowners policy, like the kind you probably purchased when you got your mortgage, will not cover damages due to an … Continue reading →