Critical Illness Insurance - Insurers Under Fire

Recent press coverage has again lambasted the insurance industry over critical illness insurance. The underlying problem is that a critical illness claim is not as straightforward as, for example, a ...

Healthcare Coverage in America Today

In America today, most of us depend on health insurance to cover the majority of our fees for health care from our specified providers. We get insurance coverage through our employers and on an individual basis.

How and Why to Prepare Now For a Disaster Insurance Claim

Don't wait until a disaster hits! Prepare now for an insurance claim after a disaster hits to get the most effecient and fastest settlement.

Ameriplan Consumer Protection Starts With Phone

As more and more big companies, school districts and other municipals are forced to cut healthcare and retirement benefits, it will be up to the consumer to find cost cutting measures. This is one of...

How To Insure Your Classic Car

Classic cars can be difficult to insure. Learn how to find an insurance company to insure your antique vehicle.

Insurance -- Promise of Reimbursement

Is insurance good or bad? Most would agree that it is worthwhile to invest in insurance to protect yourself and loved ones.

Accident Claims 101

For those who are suffering from injuries caused by no fault of their own, whether it’s from an automobile accident, work related injury, or by the actions of a negligent party, they deserve compensation for their affliction.

Your Swimming Pool Could Get You Sued

A backyard swimming pool or spa can be an invitation for trouble if someone gets injured. Find out how to protect yourself from law suits that could destroy you financially.

Affordable Healthcare Options - Dental & Medical Benefits for the Uninsured

Middle Class America is most affected by the healthcare crisis. They are working and contributing to society but many are without medical benefits. They make too much to qualify for Medicaid, but too little to afford the high premiums of insurance. Consumer Driven Healthcare is filling that gap and helping the Middle Class get the care they deserve.

California Medical Insurance Companies

California is one of the largest health insurance markets in the United States as many companies offer medical insurance plans in the state. In order to offer insurance in the state, a company must have a license from the state of California. This is a highly regulated process in order to ensure that insurance carriers have substantial assets and the necessary infrastructure to offer health insurance. General insurance companies like Aetna, New York Life, Prudential charge higher premiums. These general carriers do not have any specialized delivery mechanisms and usually third parties administer their plans. Specialized insurance giants like Blue Cross and Blue Shield are able to keep costs down with local delivery infrastructure and therefore offer lower premiums to the consumers. Health Maintenance Organizations (HMO) such as Kaiser and HealthNet maintain premiums even lower than the specialists and therefore, have developed a giant share of the market. HMO organizations manage to have such low premiums as they intervene in the health care delivery process as well. In some cases, for instance where carriers run their own delivery centers in California, as Kaiser does, it becomes quite possible to offer such inexpensive rates.

Welfare Health Plans

If you are on welfare and need health care, there are welfare health plans that can help accommodate your needs. In general, the welfare system is set up to help assist people and families who don’t have the income to adequately support themselves. This definitely includes your health care options.

Consumer-Driven Healthcare Will Not Solve Our Healthcare Problems!

The Bush administration's plans for consumer-driven healthcare are a diversion from meaningful reform because they do not address the sources of skyrocketing healthcare costs. High deductible, consumer driven plans may undermine the two basic purposes of health insurance: to reduce financial barriers to needed care and protect against high out of-pocket burdens for patients, and Health Savings Accounts (HSA) provide a tax haven for the most affluent Americans.

Life Begins At Forty

They say that life begins at forty, but so does planning for your kids' future

Learning About Insurance- Part 1

Part 1 on a series of articles about how to make sure you are properly insured.