Accident and Injury Supplemental Insurance

Being in the health insurance business, I am convinced that personal injury insurance is the best kept secret in health insurance.

Why you ask? For these reasons:

It will cover the expensive out-of-pocket costs you'll be responsible for if a family member is injured, such as deductibles, co-pays and annual maximums which could potentially save you thousands of dollars.

It can help you lower monthly premiums, by allowing you to increase your deductible on your existing plan while simultaneously increasing overall coverage from a personal injury.

It will cover alternative expenses that are not included in your health insurance policy such as, Chiropractor, Physical Therapy, and even Dental Treatment...

Yes that's correct...dental treatment. This accident/injury health plan can actually extend your dental benefits. Your dental benefits usually have a $1,500-$2,000 per person cap. If a family member should require dental treatment above the dental insurance annual maximum from an injury, the injury plan would pick up the difference of the dental plan cap and the injury plan max.

For example, if your son were to have several teeth knocked out from a skateboarding accident, and require a bridge costing $5,000 or more, your dental insurance would cap at $2,000 leaving you responsible for the $3,000 difference. However, with this injury coverage, the medical expenses due to his injury not covered by insurance (including dental treatment), would be covered up to the plan maximum of $5,000 or $10,000.

Did you know THERE IS A 4 TIMES GREATER CHANCE YOU WILL INCUR A LARGE MEDICAL EXPENSE FROM AN INJURY THAN FROM AN ILLNESS...?

So don't wait another minute. You can cover EVERY family member for up to $10,000 per incident, by adding this valuable supplemental coverage to your health insurance plan NOW for only $49.95 per month for the entire family to cover the medical expenses due to an injury your health insurance won't pay for...

We Never Plan on Getting Hurt. Don't leave yourself and your family unprepared

Plan for Tomorrow, Today

Visit http://www.lifeliveitwell.com

How Does a Medigap Policy Work?   A Guide To Medicare Supplemental Insurance   How To Find The Right Way to Supplement Medicare Benefits   For Seniors, Why Should You Enroll In Medicare Part D?   

Medicare Part D 2011 Enrollment Periods Change

Health care reform has meant some significant changes to enrollment periods for Medicare Part D insurance. The key to enrolling in the best Part D plan for 2011 is knowing when you can and cannot enroll or make changes to your Part D insurance coverage. Special Election Periods (SEP) aside, there have traditionally been two main enrollment periods for Part D. The Annual Enrollment Period (AEP) and the Open Enrollment period (OEP). The AEP will continue to be the time for Medicare beneficiaries to enroll in, or make changes to their Part D Medicare plan.

The OEP, on the other hand, will no longer be available. This was the enrollment period that began on January 1 and ended March 31. During this period, members were able to make like-to-like plan switches. The only enrollment period available for 2011 Part D plans will be the AEP. The AEP begins on November 15 and ends December 31. After this period, there will be a dis-enrollment period for Medicare Advantage plan members. Advantage plan members who would like to dis-enroll from their plan can do so beginning January 1 through February 14. If they choose to dis-enroll, they will have an opportunity to return to original Medicare and purchase a stand-alone Part D insurance plan. After that period members will be locked into their choice until December 31. You will need to make your choice count since your freedom to make plan changes has be lessened. Shop online to compare Medicare Part D insurance plans for 2011 to save time. Plan aspects that you should consider include:

The plan's formulary. Make sure your prescription drugs are included. Compare co-pays from one plan to the next. Compare individual drugs to determine if one plan includes them in a lower or higher tier than another plan. Make sure your pharmacy will accept the plan and also compare mail order benefits. Check to see if a plan will give you some coverage in the Donut Hole if there is a chance you may reach it. Compare Part D insurance plans to determine if an annual deductible is required. Consider the plan's premium in relation to all other concerns.

All of these factors will take on a little more importance for 2011 due to the Medicare Part D insurance enrollment changes. Do your homework and make your choice based on sound analysis.

How Does a Medigap Policy Work?   A Guide To Medicare Supplemental Insurance   How To Find The Right Way to Supplement Medicare Benefits   For Seniors, Why Should You Enroll In Medicare Part D?   Mortgage PMT Protection   The Finer Points of Medicare Eligibility   

Is It Important for You to Opt for Medicare Supplements Insurance?

Medicare supplements insurance plans are designed such that they can always be used along with any normal insurance plan. But you have to keep in mind that such insurance plans are certainly not designed for any one to make use of. There are a number of insurance plans that do not support them and are only considered as waste of your money. These types of plans certainly are only used for paying any type of coverage that might not be covered in your original insurance plan. When opting for any such Medicare supplements insurance, you might have different types of plans from which you can make your best selection.

You certainly can also try and collect Medicare insurance quotes from a number of insurance websites online and then collect more information on each type of plan available. Each of the plans are just the same but there are a few distinct aspects that you might have to look into. You certainly can find that each of the plans are also available in different states and are also offered by a number of insurance companies. These plans are also distributed equally amongst each of the insurance company.

It is also certain that with growing age the need for such Medicare supplements insurance also increases. If you just feel that you don't need one then it is important that you give it a second thought. The moment you visit any doctor then it is certain that you might have to make payments for your health care. In case you just don't have to pay then all your premium amount is in fact invested in these Medicare supplements insurance plans that can be used at the time of needs. These are the plans that are certainly designed such that they cover most expenses that you might require for your medical attention.

So with growing age you certainly need more amount of insurance coverage. In few cases there are also chances that you might in fact have to visit your physician very often and undergo a number of medical treatments. There are also chances that some of the treatments might in fact not be covered under any ordinary insurance plan. This is the right time that you need to consider taking plan as they are designed to cover any such expenses. These are also designed such that they might cover each of the expenses that you have to pay for medication and treatments. So the moment you are having any such effective plan then it is certain that you can recover more amount of money from the insurance companies. So in case you are married then you might only have to take a single supplement plan.

How Does a Medigap Policy Work?   A Guide To Medicare Supplemental Insurance   How To Find The Right Way to Supplement Medicare Benefits   For Seniors, Why Should You Enroll In Medicare Part D?   Mortgage PMT Protection   

Medicare Dental Benefits - Where To Get Them

Where are my Medicare dental benefits?

If you have asked this question, you are not alone. Many people who have become Medicare-eligible have either been surprised or dumb founded to learn, that for the most part, Medicare dental benefits are nearly non-existent. In fact, there are very few circumstances when Medicare will cover dental procedures.

Medicare is not comprehensive health coverage and there are several gaps that are the responsibility of the Medicare beneficiary. There is a mandatory deductible for hospitalization and 20% co-insurance required for outpatient procedures.

The Medicare legislation also includes a statutory dental exclusion. This exclusion states that:

"where such expenses are for services in connection with the care, treatment, filling, removal, or replacement of teeth or structures directly supporting teeth, except that payment may be made under part A in the case of inpatient hospital services in connection with the provision of such dental services if the individual, because of his underlying medical condition and clinical status or because of the severity of the dental procedure, requires hospitalization in connection with the provision of such services."

In 1980 the exclusion was amended to allow Medicare dental benefits for inpatient hospital services when the dental procedure itself made hospitalization necessary. Medicare will also pay for dental services that are part of a covered expense. This could include reconstruction of the jaw due to an injury. Medicare dental benefits are also available for the extraction of teeth related to radiation treatment and in some cases will pay for an oral exam (but not treatment) prior to kidney transplants or heart valve surgery.

Medigap will not help - an Advantage plan may

Purchasing a Medigap insurance policy will not get you dental coverage. Medigap policies do not include dental benefits and only the gaps from a covered procedure will be paid. By definition, a Medigap policy will fill the gaps of Medicare covered claims, not offer additional benefits.

The only opportunity to receive dental benefits beyond what's included in Medicare, is to enroll in a Medicare Advantage plan that includes dental benefits. Not all Medicare Advantage plans include dental benefits and many that do, only offer discounts for certain procedures.

An Advantage plan is not a Medicare supplement, but rather another way to receive your Medicare benefits. One benefit of an Advantage plan is the ability to receive benefits that are beyond what Medicare provides. Before you enroll in a Medicare advantage plan you should understand the differences between a Medigap policy and an Advantage plan.

Not all Advantage plans are created equal. Some will include the extra benefits that you are looking for and others will not. Some will offer only discounts on dental services, while other will include dental insurance as part of the plan. Compare Medicare Advantage plans online to determine which plans include the right Medicare dental benefits for you.

How Does a Medigap Policy Work?   A Guide To Medicare Supplemental Insurance   How To Find The Right Way to Supplement Medicare Benefits   For Seniors, Why Should You Enroll In Medicare Part D?   

How to Get Medicare Supplement Insurance!

You must know that to ensure total coverage of your health needs, you can not depend on just the Medicare services. These services have a number of gaps and it ends up covering for just a part of your health oriented expenditure. For complete coverage you need to depend upon the Medicare supplement insurance.

Does that ring a bell? If it does not, then let me remind you of the Medigap policy. Well the medical supplement insurance is more commonly known as Medigap. Since the government is not able to cover for all your health insurance requirements, the medical health insurance companies have been assigned 12 different standardized plans to help you not to burn a hole in your pocket for these various kinds of health requirements. They have several kinds of supplement insurance quotes. Read on to know more about them.

For complete medical health insurance coverage, you definitely need to choose a medigap policy. But how do you choose the medigap policy. You need to check with the State department of Medicare supplement insurance, as to which are the different medigap policies that are there for you. You might also be referred to the SHIP. SHIP is a program that is funded by the federal government to help all those medigap recipients in making an informed decision. Before making your decision you might want to check out whether you really need the policy. More often than not, companies often allow their retired employee a number of health benefits. You also should know all about their different plans about the supplement insurance quotes.

Go through the terms and conditions of each of these policies of the Medicare supplement insurance very carefully. See what each of these policies is covering. Check which on covers the needs that are specific to you. Be very careful to compare the different supplement insurance quotes. Compare the quotes and see which one works out best for you in terms of the money. Do not let the agent talk you into getting a more expensive policy or a double policy. Be aware of what you really need and what these medical health insurance policies are offering. That will help you make an informed decision.

How Does a Medigap Policy Work?   A Guide To Medicare Supplemental Insurance   How To Find The Right Way to Supplement Medicare Benefits   For Seniors, Why Should You Enroll In Medicare Part D?   Mortgage PMT Protection   The Finer Points of Medicare Eligibility   

Reasons Individuals Benefit From Medicare Supplemental Insurance

There are great member of reasons that people might require Medicare supplement insurance. Disabled people quite often have extremely high medical costs that are not covered by government insurance. If a person is in the hospital for an extended stay, the costs are only covered part of the time in many situations. This leaves the person that was in the hospital to pay thousands of dollars in medical bills.

Countless individuals with very severe disabilities have difficulty paying for their medical needs. The structure of the current government program does not factor in the costly nature of dealing with a disability as part of daily life. When a person needs to have medical worked on they often have to choose between other necessities in life and their health.

Unfortunately, traditional government insurance only covers a portion of medical costs and treatment. The good news is there are many plans available for people that are looking to double cover themselves for any reason. This is beneficial for individuals who are trying to make sure that they do not go into debt for any medical reason.

Self-employed individuals often have the opportunity to look into extra coverage. Some nonprofit organizations also will help with the cost of medical insurance depending on the circumstances of the individual involved. If a person has extra coverage they will not have to worry about the cost of medical bills in the future being too high.

Many people are not aware that the government does not cover all medications. Sometimes people have to make a decision between having food on the table and paying for their medication. Having supplemental coverage helps a person to take their necessary medications for longer than they would if they did not have this coverage.

A lot of people are concerned about the cost of extra coverage. There are many plans available for emergency only situations. The premiums on emergency plans are usually pretty reasonable. Talking with as many agents as possible will help an individual to find the correct plan for their needs and budget.

Medicare supplement insurance is something that every person should consider finding for themselves. It is not realistic to expect a government agency to be able to cover all of the health expenses of the elderly and disabled population. The more knowledge of person has about the existing plans, the better they will be able to protect themselves when sickness does occur. It is extremely important to have as much insurance as possible.

How Does a Medigap Policy Work?   A Guide To Medicare Supplemental Insurance   How To Find The Right Way to Supplement Medicare Benefits   For Seniors, Why Should You Enroll In Medicare Part D?   Mortgage PMT Protection   The Finer Points of Medicare Eligibility   

Exactly What Is Medigap Insurance?

Medigap insurance is designed to cover what Medicare does not. Medicare gap insurance is purchased from a private insurance company, not from the federal government. Moreover, you have your choice of buying from twelve separate standardized Medigap policies. This means that your coverage will be the same from whom ever you buy the policy from. This standardization protects the buyer, and keeps confusion regarding these policies to a minimum.

While the benefits of gap insurance are identical with each insurance carrier, cost is not. This makes it important for you to shop around for the best deal. As a general rule you need to have Medicare Part A and Part B to buy the additional coverage. Naturally, you must pay a premium for this extra coverage. If you keep paying your premium the policy is guaranteed to be renewed.

It is important to know that you and your spouse must each purchase separate Medicare gap policies. Medicare gap insurance also does not cover long-term care, does not offer dental or vision coverage, and does not pay for hearing aids. In addition a Medigap policy will not cover private nurses that care for you in your home.

Most people do not realize that not all states carry all Medicare gap insurance converges. It is essential that you know what policies are covered in your particular state. It is also to your advantage to buy gap insurance during open enrollment. This period starts on the first month you turn 65 years of age, and enroll in Medicare Part B. This period of enrollment lasts for six months. During this period insurance companies are not allowed to deny you coverage, and they cannot postpone your coverage.

If you wait and try to buy gap insurance after your enrollment period insurance companies are allowed to deny you coverage. Should they decide to cover you they can charge you more for the policy. As you can see it is to your advantage to buy gap insurance before your enrollment expires. There are certain circumstances where you can avoid these penalties. It is best to consult with a trusted health adviser knowledgeable in Medicare and Medicare gap insurance.

As a general rule your insurance company cannot drop your coverage. However, if you bought your policy before 1992 your renewal might not be guaranteed. Should that happen you do have the right to purchase a new Medicare gap policy. Furthermore, if you do not pay your Medicare gap insurance policy premiums they do have the right to cancel your coverage.

In brief, it is recommended that you register for your Medicare gap policy during the enrollment time-frame. This will certainly reduce any difficulties later. Obtain expert advice from a trusted health adviser who is well versed in both Medicare and Medigap insurance.

How Does a Medigap Policy Work?   A Guide To Medicare Supplemental Insurance   How To Find The Right Way to Supplement Medicare Benefits   For Seniors, Why Should You Enroll In Medicare Part D?   Mortgage PMT Protection   

Understanding Medicare Supplement Insurance for Seniors

Medicare supplement insurance is a type of policy offered to citizens who are above the age of 65. This can also be referred to as a medigap plan. It can also be offered to people who are under this age but have disabilities, and those with Lou Gehrig's or end stage renal sickness. When you are on this plan, most of your health care is paid for. You can purchase the policy to assist you in paying some of your medical costs that are not covered by the Medicare coverage. You do not have to get the policy if: You have a health policy through an employer or military and government retiree plans.

You already have an advantage plan coverage and plan to keep it.

A Medicaid program pays for out of pocket costs and premiums.

Before American seniors get the policy, they have to consult the carrier, to find out the benefits they have. The policy is divided into three parts that offer different services.

Part A This mostly deals with hospital coverage- it covers costs for inpatient services, professional nursing care after hospital stay, health care at home, hospice care and it also pays for all pints of blood apart from the first 3 each year.

Part B This normally deals with medical coverage. It covers the cost for all medical expenses, outpatient and laboratory services. The policy pays for 80% of the approved cost of medical expenses. This includes supplies and physicians services. Some plans also pay specific fixed payments. This also covers costs for preventive health procedures like shots, lab tests, exams and health screenings.

Part D This deals with prescription coverage. It normally covers cost for brand name and generic prescription drugs. You can get an advantage plan or stand alone policy to take advantage of this. You do not have to purchase the policy, if you belong to a group that offers drug coverage. The policy is only offered by private companies.

American seniors cannot get a number of services from the policy, such as:

Long- standing care services: although it pays for professional nursing, it does not cover custodial care like bathing, dressing, walking, eating, shopping and other day to day activities. The nursing facility is only covered for 60 consecutive days after you leave the hospital. Other services that are not covered are dentures and dental care, private nursing care foot care, cosmetic surgery, regular eye care, glasses and hearing aids, home maker services and treatment in another country. The payments you make with Medicare supplement insurance are:

Premiums- This is the amount you pay on a regular basis to keep the coverage. These can change in the beginning of the year. Deductible- This is the amount you pay for medical expenses. Copayment- this is a fixed charge for the medical services. Coinsurance- the percentage you pay after the policy has covered its costs.

How Does a Medigap Policy Work?   A Guide To Medicare Supplemental Insurance   How To Find The Right Way to Supplement Medicare Benefits   For Seniors, Why Should You Enroll In Medicare Part D?   Mortgage PMT Protection   The Finer Points of Medicare Eligibility   

Mortgage Protection Insurance Basics

Now more than ever, people are interested in protecting their finances and largest investment-the home. While shelling out money for another insurance policy may not appear to be sound financial advice, one such policy may be just that-mortgage protection insurance. Before making a final decision as to what if any coverage you may purchase, you should understand mortgage protection insurance basics.

Mortgage Protection Insurance Basics: How Does it Work

The role of mortgage protection insurance is to pay your mortgage if you are unable. The reasons for the inability to pay must meet the requirements of the policy in order for the payments to be made on your behalf. Most policies will kick in and make payments for you if you are unable to work due to disability, loss of your job/source of income or death. Some policies will further detail specific covered reasons for losing your job. For instance, if you simply quit your job, you may not be covered. Also, if you die, mortgage protection policies will usually pay off the loan in its entirety.

Mortgage Protection Insurance Basics: Who Needs It

You may be asking yourself if you really need to purchase another insurance policy on top of all the other bills you pay. Think about what would happen if you were unable to work for months or longer. How would you pay your biggest bill of all? There are some individuals and families that may benefit more from this type of coverage than others. If you or your spouse has major health concerns or a history of health problems, MPI would be advisable. If you have a high-risk occupation, a policy could help provide protection in case of an accident.

Luckily, mortgage protection insurance is a rather inexpensive type of coverage that can pay large dividends if needed. If you can fit it within your budget, and the policy doesn't have too many constraints, it is a good investment in your financial security.

Mortgage Protection Insurance Basics: Comparing Policies

One thing you will need to know is how to compare policies. There are several elements you will need to evaluate when shopping for the best plan. The major issue of great concern is how the price of the policy compares to the possible payout. You will also want to know how the policy is put into action and if there are any constraints. Too many constraints and you will want to consider other options. Comparing policies is easy to do online as there are many resources available to help you understand how policies should work.

Mortgage Protection Insurance Basics: What to do as the Policy Ages

One thing to keep in mind is that you make the same payment each month for mortgage protection insurance, while the payout amount, if needed, decreases each month. This is because with each mortgage payment you make, you lower the balance of the loan. So, you must make a determination at which point the possible payout is no longer worth the premiums. At this point you can consider canceling the policy or possibly turning it into a term or permanent life insurance policy. Some companies offer this transference as an optional benefit to mortgage protection insurance.

How Does a Medigap Policy Work?   A Guide To Medicare Supplemental Insurance   How To Find The Right Way to Supplement Medicare Benefits   For Seniors, Why Should You Enroll In Medicare Part D?   Mortgage PMT Protection   The Finer Points of Medicare Eligibility   

Get Event Insurance Online

With internet putting all public information at your fingertips, knowing quotes for your insurance requirements is one of the easiest things to do. You do not have to call up company offices, talk to a phone salesman and later talk to the insurance salesman just to know of the options available to you. This is also true when you want to buy event insurance. There are sites which will tell you the different options and policies that you can choose from when you want event insurance for your upcoming event, which may be a birthday party or a farewell party for a colleague who is retiring.

One of the first things you will do when asked to find something online is to search it on Google. You will likely do the same with event insurance. As with other things, you are likely to get good results. Here is a tip to get better results: Check out the ads too. These are seen at the top and at the right of the search results, and these are companies paying good money to Google so they can reach you. Help them do that!

You may be surprised at this suggestion to click on ads, but this is hardly surprising. Google is not a directory of insurance companies - rather it is a search engine. The results that you see on the top of the Google results page are hardly the best insurance sites - rather they are the sites which Google thinks are relevant to the search. They did not get to the top of the results by being the best insurance site, rather Google's algorithm found them most relevant, and Google's algorithm is not the last word on event insurance. Trust me on this one.

The second tip I have for you is to know your own requirements first, and take only the policies that offer the cover you want and nothing more. When you know a number of vendors that can take the place of the current vendors, you do not want to bother with vendor insurance. This is applicable for online insurance because the comparison websites will ask you the cover you want, and based on that information they will present the appropriate policies for you.

One big advantage of searching and finding insurance online is that you can check the feedback from different customers. There are review sites such as yelp.com that will have reviews not just of the latest live rock show, but also of their event insurer. Check out the feedback from customers before you go with your insurer.

How Does a Medigap Policy Work?   A Guide To Medicare Supplemental Insurance   How To Find The Right Way to Supplement Medicare Benefits   For Seniors, Why Should You Enroll In Medicare Part D?   Mortgage PMT Protection