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Posts Tagged ‘health’

How To Get The Best Family Medical Insurance.

October 20th, 2018 No comments

There are some great deals to be had on family medical insurance, however the real difficulty is actually finding them.

There were some statistics that were released recently showed that over 3 quarters of the people who bought medical insurance had paid more than they should have done.

Although this seems like a large section of the population, there is a relatively easy way to get around this. Just follow the following guidelines.

The reason people do not find the best priced companies to buy policies from, is because the prices vary greatly between them. It means to get the best prices, a person that is looking for a policy would have to search through lots of different companies and request a lot of quotes.

But who is prepared to spend all that time and effort? If you are anything like I used to be, then you search and compare quotes for the easiest ones to find and then use those to make a decision on the best one to go for. It really didn’t seem worth going to anymore trouble than that.

This is where things have changes very for the better, which is great. What people are able to do now, is to use a price comparison website. Each user inputs what they are looking for and the area in which they live. Then the website goes out to all the companies on their behalf and gets the quotes.

It is actually very easy to do and complete. Now an individual who uses this method is able to complete in just a few minutes, what it may have taken days or even weeks to do under their own steam.

This process will only work properly however, as long as you are using a genuine price comparison site. Make sure that any site you go to is completely independent of any insurance companies, and is not attempting to sell any policies itself. Otherwise the choices will not cover all the available options.

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Beware of Reverse Mortgage Scams

September 4th, 2018 Comments off

Reverse mortgages are being used by more and more seniors in an effort to get a loan that does not have to paid back until they move or die, giving them the funds they need to pay for their own long-term care, without relying on family or insurance. It is an incredibly popular practice for those over the age of 62, who own a home and don’t want to be a financial burden on their families. In fact, they are the most popular type of loan for Americans over the age of 62.

However, seniors who are in need of some loan cash sometimes fall into the traps of reverse mortgages scams through fake websites and reverse mortgage companies who charge too much. This is a horrible situation for a senior to be in, because they may lose thousands of dollars to the scam artists, turning them into a severe financial burden for them family.

Usually, the scam is perpetrated through telemarketing with the senior being contacted by phone and convinced into giving up their personal information for the ‘loan’. The personal information is then used to steal the senior’s identity, often taking out a loan in their name, but making the senior foot the bill for the interest charges and monthly payments.

In the case where the senior thinks they are dealing with a legitimate company, they may be dealing with a phony reverse mortgage companies. These companies will charge six to ten percent of the entire loan amount just for the senior to get the name of a reverse mortgage lender. This is one of the most common types of scams. You can actually get information on who provides reverse mortgages, free of charge, from the Department of Housing and Urban Development.

As a result, if you are looking for a reverse mortgage, you need to be incredibly careful not to fall into the trap of a reverse mortgage scam. You should always make sure that before you sign anything, even if the agent is urging you to, you do your research into the company to find out if they are a) legitimate and b) financially stable.

It is also an excellent idea to sign the contract in the presence of a lawyer, adviser, or your children. This will help to avoid the tactics that have been laid by the reverse mortgage scam artist. However, if you simply want to avoid becoming a part of reverse mortgage scams, then you should simply not do your reverse mortgage dealings over the internet or phone.

Conclusion Reverse mortgage scams are one of the worst scams perpetrated by scam artists because it prays on the elderly and their desire to be financially secure after they have left the workforce. All reverse mortgage scams do is rob them of their money by forcing them to pay large sums up front, or by stealing personal information. To make sure you do not fall into a reverse mortgage scam, do your research and never, ever sign anything under pressure, or pay money up front without consulting an adviser first.

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Socialized Medicine or a new National Health Plan?

August 29th, 2018 Comments off

Freedom is defined as the lack of intimidation or limitation in choice or action and liberation from the command of another. It is what American men and woman have surrendered their lives shielding. Even so, American leadership has created a greater burden imposing what is thought to be the most legitimate community plan. Unfortunately, this leads to Americans independence to a unhurried death as efforts are made to smother them through this new health care revolution.

One American asks How is it that one of our country’s founding documents is the Declaration of Independence and now we are allowing ourselves to affirm our reliance on our government and chief? Obama’s new health care revolution offers many benefits that Americans have never wanted nor opted to pay for. It allows governmental administration to decide the rate and the synopsis of benefits without consulting the actual people it would cover; not quite by the people and for the people.

The proposed community rating means that all people would have the equal insurance rate regardless of lifestyle choices. No longer would the preference for a healthy existence be advantageous. A one size fits all type plan where Americans hand over their insistence on choice having no Preferred Provider Organizations (PPO), Health Savings Account (HAS), nor a capitalistic economy which now exists for senior Medicare supplements. Although, the reasoning behind backing this plan has come with great speculation as Mr. Obama responds with a yes to the preliminary health questions on tobacco use.

In light of his dialogue with students, some might dispute the need to make young people conscious of the toil they will face as they move from adolescence to adulthood. According to Forbes magazine college graduates will walk away from his or her university with a minimum of $20 thousand in dept and an yearly income of $30 thousand. In today’s market, that is not exactly guidelines for success.

Obama is asking young Americans to take ownership of his or her education and with the same breath, it seems, making a decision that will control their future. Obama will demand that young people pay more into the health care plan while making less. While older Americans will make more and pay significantly less for a program they make more use of.

Who is Obama thinking of when conveying this revolutionary health care plan? One may think of the mature and ailing patients. Unfortunately, these are not benefiting from the loss of their freedom either. When Americans give up the right to choose, they also give the right to doctors to come to a decision on which patient is more important, perhaps pushing ill patients to the back of the line since they are viewed as having nothing left to contribute to humanity.

Some have coined the phrase of Americans Endangered Freedoms as we slowly let government decisions cut away our autonomy for individual life choices. This Health Care Revolution will dictate how Americans hard-earned income or retirement is spent. It will choose the health care provider, the health care plan, the deductible paid and even the doctor seen.

Maybe in hearing this ones mind may drift to another time when a people dressed in uniforms, raised his or her right arm and declared Hail Obama? Is this the American way paved for future generations? Perhaps Americans should bestow more credit to their own minds and decide what is best for their individual needs? If not, American freedoms could become extinct.

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Three Things to Consider in a Health Insurance Contract

August 3rd, 2018 Comments off

Very few people find the task of reading through contracts inspiring. After all, most contracts tend to be written by lawyers in a language (called legalese) which only they understand, yet they expect the documents to be assimilated by members of the general public. Matter are not made any easier by the fact that the most important elements of the typical contract, the elements that can have the biggest impact to both parties in the contract tend to be hidden deep in the contract’s fine print.

Yet failure to understand a health insurance contract can turn out to be a very big blunder, like when one is told that they will have to foot their medical bill for one obscure reason or another, with an even more obscure clause (in the health insurance contract they got themselves into) being quoted as the reason for their being denied coverage.

Whether or not you are comfortable with legalese, therefore, there are at least some three important things you have to ensure you are clear about before signing yourself into a health insurance contract, even if doing so means pushing yourself intellectually or even getting someone to interpret the legalese for you, as may be the case.

The first thing you should make an effort to understand in your health insurance contract before signing on the dotted line is the policies’ limitations, as most (if not all) health insurance providers tend to impose some limitations on their coverage, so that the typical health insurance policy will tend to cover some conditions and not others. And even for the conditions it covers, the typical health insurance policy offers coverage only up to a given bill amount. Yet these are crucial things that – if you are not careful – can overlook when signing your health insurance contract, only for them to turn around to haunt you later on.

The second thing you need to be very clear about before signing onto a health insurance contract is ‘when the health insurance coverage takes effect.’ As it turns out, in most cases, health insurance policies don’t take effect immediately you sign on the dotted line, and you could therefore find yourself having to pay (from your pocket) medical bills you incur between the time you sign a health insurance contract and the time the cover takes effect, while all the while thinking that you were covered.

And the third thing you need to make an effort to understand in your health insurance contract is what types of healthcare facilities claims on it can be made, and which healthcare facilities don’t qualify for reimbursement under the contract. As it turns out, healthcare providers tend to be choosy when it comes to healthcare providers to work with, with many opting not to pay for healthcare bills incurred in some facilities.

Before you choose a health insurance plan, you should compare health insurance plans to the the one that has cheap health insurance plans.

What to Look For in a Long Term Care Insurance Quote

July 29th, 2018 Comments off

When looking at a long term care insurance quote, there are many factors which can determine the cost to you. This article will give you six important points you should consider when looking at a ltci quote. Much of this is determined by type of benefits you want, your age, and which company you want to work with. This will allow you to be an educated consumer when purchasing this insurance product.

Looking at long term care insurance quotes, what you want your policy to include and when you receive your policy will cause changes in the quotes you will receive. This article will give you more information about what companies you should look for among other factors.

The types of benefits you receive will help determine your cost of long-term care. These types of benefits can include whether you will receive in-home services, care at a nursing home or from services based in your community.

The cost of your ltci quote is contingent upon age so the younger you are when you purchase ltci will cause your premium to be lower.

The types of companies you approach for an ltci quote can help determine a different cost in your quote. You may be able to receive this quote through your employer.

The type of policy you choose will cause different quotes. You can choose a policy which will pay a maximum daily, weekly or monthly limit or one which pays up to a certain dollar amount.

You can also choose when your benefits can be used age-wise.

Daily benefits level is something to think over. If you want higher daily benefits limits, this will cause you to pay more for your ltci.

Hopefully this has given you good information regarding long term care insurance quotes. More information is always better so that you have an idea what to expect and you can have thought through what you want out of your policy.

Before you go out and buy a policy go to Long Term Care Insurance, ask questions and request a long term care insurance quote. We represent 20 of the top LTCi providers. This gives you tremendous options.