Some things in life are taken for granted and the privilege of having health insurance may be one of them. Employers have to give their employees some kind of benefit program in their overall compensation package. The employee expects it and enjoys the security of having good health insurance. Everything changes when the employee leaves the employer. Insurance decisions have…
Tag: Deductible
7 Things You Should Know About Health Savings Account Plans
Health savings accounts (HSAs) are wildly popular. Since their introduction in 2004, approximately 2.5 million Americans have enrolled in these so-called consumer-driven health plans. But, alas, HSA plans are not for everyone. Here are some pointers to help you consider whether an HSA will benefit you and your family. 1. An HSA plan can cut healthcare costs by an average…
The Top 8 Ways To Save A Ton Of Money On Your Auto Insurance
We all hate doing it, but it’s something that we all must do at one time or another… the wonderful task of shopping for car insurance quotes! Since there’s no avoiding it, you might as well learn a few ways you can save money in the process. Here is a compilation of the top tips you can use to make…
Tips For Choosing A Great Car Insurance Plan
Depending on which state you live in, having car insurance might be optional or mandatory. Regardless of the laws, it is a good idea to protect yourself by having coverage on your vehicle. You never know when a storm might cause damage, your vehicle might get vandalized, or you are involved in an accident. It can be tricky shopping around…
Understanding California Health Plan Co Insurance
First, what is the official definition of co-insurance? Coinsurance Once you have met your deductible, you pay coinsurance for additional medical care. It is a percentage of the billed charge. For example, your insurance company might pay 80%, and then you would pay 20%. It is similar to a co-pay, but is a percentage instead of a dollar amount. Now,…
Maybe You Can Afford Health Insurance
As a health insurance agent, I call many potential clients and hear the same thing! They tell me that they’ve already spoken to an insurance agent, know how much health insurance will cost them, and tell me that they are very sorry, but they just cannot afford the bill! When I ask them how much the agent quoted them, I…