How to Negotiate Your Medical Bills
According to a study conducted by The American Journal of Medicine, around 60% of personal bankruptcies are caused by overwhelming medical bills. The fact is, if you’ve been sick or severely injured, medical bills can add up fast. Even if you have health insurance, there is a good chance that you will be left with […]
Finding Health Insurance if You Are Self-Employed
Where to Self-Employment Health Insurance Anyone who is fortunate enough to have a full-time job that provides health benefits probably gives little thought to their health insurance other than grumbling about the premiums. But those who are self-employed, work part-time, or otherwise don’t have health insurance provided as a benefit are living in an entirely […]
Understanding the 6 Types of Auto Insurance Coverage
People generally don’t put much thought into their auto insurance coverage. At the very least, there’s often a state minimum requirement, and beyond choosing the deductible most of the definitions on the auto policy just get glanced over.But understanding what these specific items cover, the limits, and amount it adds to your premium can have […]
Top 10 Ways to Get Maximum Return After Filing an Auto Insurance Claim
You’ve dealt with the accident, made sure everyone involved is safe, and filed your auto insurance claim. But, what’s next? I’m sure there are a million questions going through your head “What do I do next?” “When will I hear from the insurance agency?” And perhaps most importantly “Did I do everything I could have?” The […]
Putting Your Teenage Son or Daughter on Your Auto Insurance Policy
There comes a time in every parent’s life where they ask the question, “Does my teenage son or daughter have to be on my auto insurance policy?” Just the thought of putting an inexperienced driver behind the wheel is enough to send shivers up and down the spine of your average man or woman. Although […]
Renters Insurance Basics: What Every Renter Should Know
Do You Need Renters Insurance? Homeowners Insurance is designed to protect a person’s home. This is an obvious need for insurance since a home is often somebody’s most valuable asset backed by a large loan. This is why most people don’t even think about renter’s insurance. You don’t own the apartment, you didn’t have to […]
Health Care Reform Changes That Take Effect September 23
Health Care Reform is Here and So Are Changes to Your Health Insurance It seems like it was just yesterday that we were debating health care reform, but on September 23 we hit the six-month anniversary of this reform and it also signals milestone where some changes begin to take effect. The changes you’ll personally […]
Flexible Spending Accounts: Is a FSA Right for You?
Flexible Spending Accounts Provide an Easy Way to Save Money and Pay for Health Care Expenses One unfortunate result of rising costs associated with health care and health insurance is that employers are now looking for ways to trim employee health benefits. This usually includes increasing co-pays, out-pocket-costs, and deductibles. The good news is that […]
Health Savings Account (HSA) Basics
What is a Health Savings Account? Health savings accounts (HSAs) allow individuals to save money for health care expenses on a tax-deferred and tax-free basis. This law was signed into law on December 8, 2003 and became effective on January 1, 2004. The tax deferred money can be invested into mutual funds, stocks, cash or […]
How to Find the Best Car Insurance Policy
If you have a car, then you need auto insurance. There’s a good chance you’ll never need to file a claim, but car insurance is one of those things that you’re thankful you have if you do. Depending on many factors such as how many vehicles you have, your driving record, and age, auto insurance […]
