Archive for the ‘insurance company’ Category
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The most important piece of legislation in America today, with nearly 100 cosponsors in the house, H.R.676 is the only health care bill that will truly reform our tragically broken health care system.
This is the bill that your insurance company doesn’t want you to know about. This is the bill that presidential candidates (except Kucinich) are afraid to talk about, presumably because they like to keep getting campaign contributions from the insurance industry.
What would you think about a health care system that actually works for everybody, costs billions of dollars less, provides greater coverage, truly protects you from financial ruin due to medical bills, improves quality, increases innovation, and returns medical decisions to you and your doctor instead of some claims adjuster at an insurance company 1,000 miles away.
31 cents of every health care dollar spent is wasted on administrative expenses and insurer profits in the US system. This is why the US spends double what other industialized nations spend on health care yet has worse outcomes. We need to save that money and spend it on better health care for you, me, and all Americans. Our system is sick and dying, and this is the cure.
This footage was take primarily from Congressional testimony given earlier in 2007.
To support H.R.676, contact your congressman.
(202) 224-3121
www.house.gov
For more information, contact:
California Nurses Association
www.calnurses.org
Physicians for a National Health Program
www.pnhp.org
Healthcare-NOW!
www.healthcare-now.org
Be sure to check out the other 3 parts of this short video for the rest of the story, and spread the word!!!
Duration : 0:3:28
I noticed someone posted that their auto insurance rates went up since they are unemployed. I have been unemployed since February and my rates stayed the same. I don’t tell the insurance company that I lost my job. How will the insurance company know if I am working or not?
They don’t know if you are employed or not.
It’s not based on employment – it’s based on credit score. Likely, that other person also stopped paying bills.
If you are looking for the best auto insurance in your area, check out this site
http://Cheap-Auto-Insurances.info/
Hope this help,
Recently, people wanting to buy dog insurance has seen a dramatic rise. The amount of money that Americans are willing to spend on the health and comfort of their parents has more than doubled over the past several years. At the same time, the cost of pet care has also increased, and the veterinary services have start to look more and more like human health services, with dogs and cats routinely undergoing ever more expensive and complicated procedures. And, as with humans, there’s always the dread lurking in everyone’s mind and heart that this will be the trip to the office where the vet will say “I’m sorry, but…”
Whether it’s cancer, stomach diseases, liver problems, or any of a whole host of other new ailments that vets can now find–and often cure–the pet owner can be sure of one thing; it’s almost a given that it’s going to be expensive. This is where dog insurance comes in. Just as with health insurance for humans, you pay a premium each month; in return, should your pet come down with any of the ailments covered by your policy, the insurance company will pay all or part of the bill. The problem is in those two clauses; “covered by your policy” and “all or part of the bill”.
It’s essential that you do your homework when looking into purchasing any kind of insurance for your pet; again, much like insurance for humans, what the policy does and doesn’t cover varies widely from one company to another, and even from one policy to another within the company, and the insurance company may or *may not* pay all of the bill, when it does cover the particular ailment.
Most insurance companies, for example, will not cover the cost of medication or regular checkups–which may include checkups after surgery to make sure the dog is doing well. And you may be required to pay a certain amount or a certain percentage of things that the insurance company does cover.
Again, do your homework and always read the fine print. Make sure that the company provides what you think they provide. Know in advance what you’ll have to pay for, if anything (there’s usually something) and what they’ll pay for. Know what diseases and treatments they cover, and whether they will pay for all or part of preventative measures (for example, yearly rabies shots or regular checkups).
Even when the company doesn’t actually pay for these things, they may be willing to lower your premium if you have them done; speak with a representative from the company and find out. Like insurance for humans, dog insurance can be a huge blessing, but it can also be a huge headache.
And, above all, be sure to keep your dog healthy. Encourage him to eat right, and give him lots of exercise by going on long walks together or playing in the back yard for a couple of hours a day. If you buy dog insurance, it can be a nice thing to have, but it’s even nicer when you don’t actually need to use it!
Craig Thornburrow
http://www.articlesbase.com/non-fiction-articles/why-should-you-buy-dog-insurance-110683.html
In today’s uncertain world, insurance is a relief. The literal meaning of insurance is monetary refund, relief of whatever you have lost. This means you can have insurance upon almost anything. You can insure your bike, car, house, life, books, movies, mobiles anything. In doing insurance all you are pay a small amount of money to the insurance company which in return guarantees that it will take care of your appropriate thing in the future.
You don’t have to worry about it afterwards. If your car gets damaged in an accident, the insurance company will pay for its renewal. You met with any life threatening then the insurance company will pay for your medication.
Auto insurance is one such thing. It relates to the auto from which either damage has occurred or the damage has resulted from. In both cases the insurance company will pay for you. In other type of insurance it also covers a variety of other things. It all depends upon the type of insurance you are having and the type of company you prefer. Today auto is a precious object. You will always hear news about it being stolen. So better be prepared for it and stay alert.
In almost all kind of auto insurance policies you have to pay a certain amount to the company. This amount is very less compared to the value of the auto. This amount is called premium. You will have to submit this premium each year. It also insures your auto for a definite period o time so that after that time you won’t have any insurance claim. As far as this premium is concerned this is very different for different schemes. Depending upon your choices it varies. Hence you must have a clear picture in your mind about what you are going to buy.
The premium also varies depending upon the gender of the owner. If you are male then the premium of your car will be higher than any other female owner. This is attributed to the fact that male drivers face more accidents compared to the female drivers. Hence for the insurance company male drivers are more risky compared to the female driver. Therefore they charge extra premium from the male drivers. In the same way a teenager is also considered risky than any other adults. Therefore it also has to pay more premiums to the insurance company. Hence the whole formula of auto insurance works.
Alien
http://www.articlesbase.com/insurance-articles/a-basic-idea-of-auto-insurance-689094.html
Becoming an insurance agent usually requires some type of bachelor’s degree in order to apply to either a direct writer insurance company or an independent insurance agent. Find out how to become an insurance agent with tips from an insurance agent in this free video on insurance information.
Expert: Seann McWhorter
Contact: www.insureright.biz
Bio: Seann McWhorter is the principal agent at Insure Right Insurance located in Lehi, Utah.
Filmmaker: Michael Burton
Duration : 0:3:26
Getting cheap automobile insurance rate quotes can be a time consuming task to say the least. Here’s how to get cheap rate quotes with a reputable insurance company quickly and easily.
Cheap Automobile Insurance Rate Quote Lesson
Yesterday I decided to check out one of those insurance sites the advertises “Cheap rates! Save up to 50% on your insurance!.” This company is rated number one on some top insurance review sites. I wanted to see if they could beat the rate I’d gotten a few years back from another insurance company.
I called their “800″ number, answered all the questions the agent asked me, then, anticipating that I would be saving hundreds of dollars a year on my insurance, anxiously waited for my quote. I was sorely disappointed.
The quote I received was $812 more than what I’m currently paying for my automobile insurance.
The lesson: Don’t believe everything you hear or read. Check it out for yourself. The only way to know you’re getting a cheap insurance rate is to get quotes from a number of different insurance companies and compare them.
Cheap Automobile Insurance Rate Quotes Online
The quickest way to get automobile rate quotes from different companies is to go to an insurance comparison website. Once there you’ll spend a few minutes filling out a simple questionnaire to get multiple quotes.
Some of the better insurance comparison websites have a chat feature where you can get answers to your questions online from an insurance expert, and an “Articles” section where you can get tips and advice. (See link below.)
If you’re currently insured, make sure you have your insurance policy handy so you can compare apples to apples.
Check Out the Company
After you choose an automobile insurance company you’ll want to check them out to see if they’re reputable and will give you good service. I recommend going to your state’s department of insurance website to see how many complaints have been filed against them compared to other insurance companies.
If your state doesn’t list those complaints, go to California’s website – www.insurance.ca.gov – click on “Consumers,” “Studies and Reports,” then “Consumer Complaint Study” to see the number of complaints consumers have filed against a company. Every company will have some complaints filed against them. You want to find out if a particular company has an unusually large number of complaints filed against them compared to other companies.
Once you take the above steps you’ll know you have a cheap automobile insurance rate with a good company.
Visit http://www.LowerRateQuotes.com or click on the following link to get cheap automobile insurance rate quotes from top-rated companies in your area and see how much you can save. You can get more car insurance tips by checking out their “Articles” section.
ryan@thesatellitetvguide.com
http://www.articlesbase.com/insurance-articles/cheap-automobile-insurance-rate-quotes-how-to-get-them-133092.html
March 4 (Bloomberg) — Linda Douglass, a White House spokeswoman for health care, talks with Bloombergs Mark Crumpton and Julie Hyman about how legislation overhauling the U.S. health-care system would address increases in health-insurance rates.
President Barack Obama and U.S. Health and Human Services Secretary Kathleen Sebelius met with executives of the top health insurers after WellPoint Inc., the largest insurance company by membership, proposed a 39 percent rate increase for some policyholders in California. (Source: Bloomberg)
Duration : 0:3:57
If you have a good family health insurance plan, but you just got a big bill from the hospital, you naturally want to find out why. You are even more concerned if your deductible has already been met, but you still owe more than the normal copay.
It may be a simple mistake – but it’s also possible that your insurance plan has coverage gaps that you didn’t know about before.
One of the following simple problems may be solved with one phone call:
1. Your insurance company may have made a payment to the physician, but their billing department hasn’t posted it yet. Your bill and the check just got crossed in the mail.
2. You gave your insurance information to the receptionist when you signed in, but she didn’t give it to the physician’s billing office. The doctors and hospitals are separate businesses, and they don’t always share information. The provider’s phone number is on your bill – give them a quick call to straighten it out.
And then there’s the hard answer:
3. You really owe the money. And yes, you have to pay it. If you don’t, you will very likely be sent to a collection agency.
The following is a true story. I’ve left out any details that might violate this family’s privacy, but I assure you that I am not making any of this up.
A young father whose child had an accident in the home needed immediate surgery. The parents took the child to a hospital that was participating with the family’s insurance company.
However, the emergency room surgeon was not participating with any insurance company.
It is extremely common for ER physicians to choose not to participate with insurance. After all, the only reason that doctors contract with insurance companies is to increase their business from insured patients – but the insurance companies limit their fees. If the doctor needs the business, the lower fees may be worth it.
But ER physicians and other specialists don’t need to drum up business – they usually have more patients than they can handle.
Like many ER’s in our city, this particular emergency room has no physicians at all on staff who participate with insurance companies.
This family thought they were covered because they made an effort to get their child to the right hospital, but they didn’t know that the hospital and the physicians (and the people who read the x-rays, and the anesthesiologists, etc.) are separate businesses who may (or may not) have contracts with the insurance company.
In other words, they didn’t know they were underinsured.
Let’s see how this affected this family:
The total surgery bill for this child was over $9,000.00. If the sugeon had been participating, the family would have owed the surgeon less than $34.00. That is not a typo. His insurance plan paid 99% of the amount it would have paid a contracted surgeon. Most plans actually pay a much lower percentage – this family had an unusually good plan through their union.
A non-participating provider does not have to accept what the insurance pays, and this surgeon charged over $6,000.00 more than the insurance company considered a “usual and customary fee.” So the family paid the difference.
If you get an unexpectedly high bill from a health care provider, be sure to call the insurance company to see if you can get it straightened out. It may have been a simple mistake. But if your bill came about because of a scenerio similar to the one described above, it won’t matter how nice your insurance company’s customer service specialist may be. There’s nothing she can do for you.
The insurance company can’t force an independent business to charge you the amount other providers accept for the same service.
But this family is actually lucky. If their family were not insured at all, the ER room and surgical fees would have left them owing over $20,000.00, almost three times what an insurance company would pay for the same services.
If you’re insured in America, you’re underinsured.
How can you tell if this could happen to you? Get out your benefit booklet and go to the emergency or urgent care section. If you see the words “non-participating providers paid x% of billed charges,” you don’t have a problem. If, however, you see the words “non-participating providers are paid x% of the amount we would pay a contracted provider,” the scenario above could happen to you.
Then go to the benefit summary, which is probably near the front of your benefit booklet. If you have a plan that has different benefits for “preferred” and “non-preferred” providers, you’ll need to use the lower benefit to see what portion of the bill your insurance company will pay.
Make sure you go to a participating emergency room if you can (emergencies don’t always happen near a convenient participating hospital, of course), and then be prepared for higher fees from those physicans and technicians who don’t participate with your plan.
To see why uninsured patients pay so much more for their health care, read the rest of the article at the web address shown below.
Jonni Good
http://www.articlesbase.com/health-articles/does-your-family-health-insurance-plan-have-hidden-gaps-in-coverage-103489.html
Clip from 7/29 Rachel Maddow show exposing “Deathers” bogus claim that Obama health care plan actually a conspiracy to murder old people.
Duration : 0:5:57