Your Medical Insurance Is On the Line – And an Organization You’ve Never Heard of Is Holding the Reigns They know who you are, whether you smoke and how fast you drive. If you’re applying for medical insurance, you need to know what the MIB knows. What does medical insurance…
There’s no doubt that affordable healthcare is a hot topic these days. From Washington, D.C. to rural America to every city across the country, Americans need affordable healthcare options. In fact, according to President Obama, healthcare reform could have a major impact on the economy as a whole but only…
For many Americans finding affordable health coverage is difficult, if not impossible. As the economy struggles, more employers have cut back on medical insurance benefits, while medical insurance premiums continue to rise. Many people are living with no health insurance at all. There are things you can do to cut…
Face it; health care is expensive - no matter how you slice it. Affordable family medical insurance is a need for so many people. One of the best ways you can keep your medical insurance rates lower is to stay as healthy as you possibly can. BestHealthcareRates.com offers these tips…
Everyone wants to save some money and find affordable health coverage. If you are choosing between group healthcare coverage and individual healthcare coverage, most people assume group healthcare will be the most affordable option. Many people are offered group health insurance either through their place of employment or through their…
When you are trying to find the most affordable medical insurance, you need to understand some basic terms so you know you are comparing apples to apples and coming up with accurate answers. Several terms are very commonly used in medical insurance policies that can reduce the confusion and make…
Is affordable health coverage possible in the United States? While many ideas are being shared and argued over in the name of health care reform, it can be next to impossible for the average person to know what the best options for affordable medical insurance are. One idea is to…
Trying to maintain affordable healthcare costs can be frustrating. With employers cutting medical insurance premium costs by raising employees’ deductibles, co-pays and out-of-pocket spending limits, it becomes even more important to find ways to save money on medical costs wherever possible. You can take some steps to keep affordable medical…
The struggle for affordable health care is faced by millions of American families. As medical costs continue to rise, affordable medical insurance becomes more difficult to find. Without affordable health coverage, families run a much higher risk of a small health problem turning into a nightmare, with both medical and…
Understanding all of the provisions related to COBRA is daunting even to some professionals and so is information about COBRA alternatives. There are important deadlines that must be met if a person plans on continuing their health insurance after becoming eligible for benefits under COBRA. Most people realize they have…
Some people see the word COBRA and think the subject is a snake in Africa. Actually, COBRA is an acronym that is short for the Consolidated Omnibus Budget Reconciliation Act. This is a law that was enacted by Congress in the 80s to protect a person’s right to continue group…
The economy is in the worst situation in over 30 years and people who cannot afford expensive COBRA benefits need a COBRA alternative. Some say that things have not been worse since the Great Depression. Analysts expect the unemployment numbers to rise to levels of anywhere from 9 to 10%…
There are COBRA alternatives. People often do not understand their options for health insurance coverage when they lose a job. When anyone faces a job loss, a divorce, a reduction in work hours, or a death of a covered sponsoring employee, they may be eligible for extended coverage under the…
Most people have no idea what COBRA means. Congress enacted the Consolidated Omnibus Budget Reconciliation Act or COBRA to protect people in the event that they face the loss of health insurance coverage when changing jobs, after the death of the eligible employee, after divorce, or some other life altering…
Unemployment is on the rise and people have to make difficult choices about COBRA and COBRA alternatives. When faced with a job loss, the last thing that people want to worry about is their health insurance. In 1985, the federal government acted to protect the unemployed. They put a law…
The premium costs for someone contemplating purchasing health insurance under the provisions of COBRA can be prohibitive. Perhaps that is why only 20% of eligible people choose to enter the program. Many of these people are living on unemployment compensation, which makes the idea of paying high health-insurance premiums seem…
People who have lost their jobs for any reason may be concerned about finding COBRA alternatives. The COBRA legislation was set up by Congress to provide protection for people who have health insurance provided by their employers. The Consolidated Omnibus Budget Reconciliation Act or COBRA was created to give people…
There are certain eligibility requirements that must be met in order for a person to qualify for COBRA benefits. The Consolidated Omnibus Budget Reconciliation Act was enacted by Congress to protect people from losing health insurance due to the loss of a job, the death of a sponsoring family member,…
COBRA alternatives are necessary because the program costs more than most people can afford. This law exists to provide continued health coverage after an employee leaves a job. Coverage is only intended to be temporary. When a person is faced with the choice between purchasing private health insurance and continuing…
As Independent Insurance brokers, we are responsible for purchasing our own life insurance coverage, just like our clients. So when we find a product that we purchase for ourselves, we would like to let you know about it. Up until recently, I carried a $500,000 20-year level term life insurance…
Affordable medical insurance is not an oxymoron. It can be definitely be found, but it does require an investment of time and knowledge on your part. In order to find the best price possible for medical insurance you will need to spend time shopping around. Luckily the internet makes this…
Affordable medical insurance is possible and is even easy to find. In today’s economy, people are making cuts everywhere, trying to save money. However, some things simply cannot be scrimped on and medical insurance is one of those things. Having good medical insurance that protects you, especially if major illness…
Almost all colleges and universities offer student health insurance to those who attend their school. In fact for many schools, having health insurance is a requirement for admission. To make it easy on students, most colleges offer a group plan that is comprehensive and meets most students’ needs. In fact,…
When you face job loss, reality hits hard and fast. Along with no more regular paychecks and an immediate future filled with searching for a new job and struggling to live frugally, there are other losses to consider. Often many aspects of our lives are tied to our work such…
You’ve lived comfortably for a long time, not bothering too much with living a frugal lifestyle. You thought, there will always be time for that later. Well, now is that time. You may be one of the countless families affected by job loss or high debts, or simply may have…
Affordable medical insurance is not an oxymoron. It can be definitely be found, but it does require an investment of time and knowledge on your part. In order to find the best price possible for medical insurance you will need to spend time shopping around. Luckily the internet makes this…
Student health insurance is very important for every post-secondary student to carry. In fact, it is offered by practically every college and university. Most colleges even make carrying health insurance a pre-requisite for enrollment. They sometimes require that their students carry the policy endorsed by the school only. For those…
When you face job loss, reality hits hard and fast. Along with no more regular paychecks and an immediate future filled with searching for a new job and struggling to live frugally, there are other losses to consider. Often many aspects of our lives are tied to our work such…
Family health insurance is a not a luxury. It is the most important type of insurance to carry and you should simply never be without it. No exceptions. However, that does not mean that you should simply accept the group insurance plan that is offered by your workplace. For many…
Protecting your family and making sure they have the health care they need when they need it most is at the top of most people’s priority list. For this reason health insurance is not something you can do without. However, there are many different types of insurance out there to…
In 1974, Hawaii became the first state to require minimum mandatory employer-based health insurance. A recent study of Hawaii’s health care system by the Robert Wood Johnson Foundation found that one in seven adult workers in Hawaii are uninsured, compared with one in five nationally. The rise in the number…
With nearly 50 million uninsured Americans, it is obvious the United States has a significant problem to face, namely the lack of affordable health care coverage. Medical costs continue to rise faster than incomes, creating a domino effect of financial struggles for Americans needing medical care. Although it may seem…
Once upon a time nearly everyone received health care coverage through employer group health plans, but these days many are turning to individual medical coverage to ensure they have access to the medical services they need. Issues such as unemployment, self-employment and companies cutting-out group health benefits are requiring people…
If you are looking for affordable medical insurance plans, a little knowledge can save you a great deal of money. There are things that you can do which will put you in a better position to get the best healthcare rates possible. By making some changes, you will qualify for…
Whether you have been laid-off from work or have quit your job and are looking for another one, it is time to take a look at COBRA and COBRA alternatives. An acronym for the Consolidated Omnibus Budget Reconciliation Act that became a law in 1986, COBRA allows you to maintain…
It is a huge responsibility to care for a family, and choosing the right family medical insurance is a significant part of this. There’s so much to worry about from where to send your children to school and the appropriate age for sleep-overs to discipline issues and caring for your…
When it comes to finding affordable health coverage, it pays to do a health insurance plans comparison. After all, you want to make the most informed decision possible; one that will leave you feeling certain that you have made the right coverage choice for you and your dependents. Comparing and…
While sometimes living on the edge can be an adventure, people going without major medical insurance plans can end up with far more risk than they bargained for. The number of people declaring bankruptcy as a result of extreme medical debt is astounding. As medical costs rise and rise seemingly…
When you face job loss, reality hits hard and fast. Along with no more regular paychecks and an immediate future filled with searching for a new job and struggling to live frugally, there are other losses to consider. Often many aspects of our lives are tied to our work such…
Articles by Tom Carolan