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Going Without Car Insurance Is Like Having Two Accidents

Written by Insurance Magazine. Posted in Individual coverage, Life insurance, Long term care protection

When you are standing in the nearest smartphone store and contemplating over the new smartphone or car insurance, it can feel pretty enticing to choose the smartphone. And it is understandable. Car insurance does not feel as useful as the power of a smartphone–it is a necessity in this day and age to own one. But you do not need to latest and greatest smartphone. Instead, practice self control and balance the two. Buy a decent smartphone and buy car insurance. The next time someone sideswipes (hopefully, that does not happen) your car you will wish you had insurance.

But that is not the only situation you would need insurance for. There are several types of insurance to consider, even insurance for renters. Let us break them down for you and their benefits.

Going Without Car Insurance is like Having Two Accidents

First off, it is a requirement to have auto insurance (except you, New Hampshire and Virginia), but in those states you will still get hit with a fee. Eith


Contacting Homeowners Insurance Companies

Written by Insurance Magazine. Posted in Health insurance, Health insurance quotes, Life insurance companies

Many pieces of hardware are insured today, from homes to automobiles to boats and beyond. And of course, many Americans also have health insurance, which is a broad field in and of itself. Auto insurance is a staple among adult Americans, most of whom own a car or a pickup truck, and homeowners insurance is another major sort of insurance to consider. Different channels may be used for life insurance companies or homeowners insurance companies, and good homeowners insurance companies will work with a shopper to get the proper coverage for their dwelling. First-time homeowners are urged to look into this right away, and a smart home buyer may look for local homeowners insurance companies for help as soon as they settle their home mortgage. What is there to know about the work of homeowners insurance companies and being a homeowner?

Homes and Money

Any adult who does not rent their


Finding the Right Insurance Coverage Can Help Workers Stay as Healthy as Possible

Written by Insurance Magazine. Posted in Group life insurance

Staying in the shade, especially during midday hours, wearing clothing that covers your arms and legs, and applying sunscreen early and often are all guidelines that are being repeated on this Melanoma Monday. In fact, on this day that is dedicated toward reminding everyone of the dangers of skin cancer, the goal is to get everyone in the right frame of mind as the summer season approaches.
Whether you have an employer group health insurance plan or you have to find your own individual coverage, it is difficult to argue about the importance of sun safety and making sure that you make a habit of other kinds of healthy habits. It is no surprise that if you are someone who gets employer group health insurance coverage as a benefit you are more likely to take advantage of regular health checks. And these regular doctor’s visits often promote a healthier lifestyle and good health habits.


Understanding Medigap Plans G and N

Written by Insurance Magazine. Posted in Health and life insurance, Health benefit plans

life insurance costChoosing a health plan that not only includes all the essential health benefits and affordable life insurance costs can be tricky, but it’s one of the most important decisions you can make. In fact, roughly 86% of people agree that most people would require some amount of insurance coverage, most likely regardless of life insurance costs. And one of the most well-known avenues to that is Medigap. Medigap, also known as Medicare supplemental insurance, refers to various health insurance policy options available in the United States.

You’ve already read about the popular Medigap Supplement option: Plan F. Now it’s time to dive a little deeper into two different options. If you’re looking for a comprehensive Medigap plan, consider plans G or N. Here’s what you need to know about these two types of health insurance policies. Keep in mind, however, both Plans G and N offer all the same benefits of Plan F, but with a few exceptions.

Medicare Supplement Plan G
Fairly similar to Plan F, with the exception of a Part B deductible, Plan G is a great healthcare option. If you decide to purchase Medicare Supplement Plan G, you’ll need to pay the standard out-of-pocket costs that are included in Medicare Part B’s deductible, which was $166 in 2016. Plan G does cover Part B’s excess charges, though, and G (and F) are the only two Medigap plans to do so.

Excess charges are the differences in costs between a health-care provider charges for a medical service and the Medicare-approved overall amount. Without this option, patients who visit non-participating doctors can be charged up to 15% above what Medicare has initially approved for a covered service, which can be quite pricey.

Medicare Supplement Plan N
Mediap Plan N covers all the same benefits as Plan F except for Medicare Part B deductible and Part B excess charges. Though you would pay 100% of the Part B coinsurance in the majority of instances, there are a few exceptions, including paying up to $20 for certain office visits and a $50 co-payment for visits to the emergency room that do not result in an inpatient admission.

If you’re worried about health or life insurance costs, confused about the differences between Medicare Supplement plans, or just want to speak with an experienced professional, contact Bankers Fidelity right away.

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Julia Louis-Dreyfus Talks Health Insurance After Breast Cancer Diagnosis

Written by Insurance Magazine. Posted in Health and life insurance, Health benefit plans, Insurance services


The award winning comedian and “Seinfeld” actress Julia Louis-Dreyfus announced this month that she has been diagnosed with breast cancer. When she shared the news, she also talked about how happy she is that she has health insurance coverage. For men and women living with cancer but without insurance, there are many challenges ahead.

Too many people still think that if you lead a healthy lifestyle, there is no need for comprehensive insurance because you don’t get sick. Unfortunately, diseases like breast cancer don’t discriminate, and research shows that simply having health insurance coverage can often save your life.

According to PEOPLE Magazine, women who do not have health insurance (or who have inadequate coverage) do not make regular doctor appointments or get regular mammograms to detect a problem. Yet the research on this issue is clear: women ages 65-74 who have mammograms every two years are more likely to survive breast cancer than women who don’t make the appointment.

Not only that, but women who don’t have insurance and have been diagnosed with cancer face some pretty hefty out-of-pocket costs. According to PEOPLE Magazine, women who have been diagnosed with cancer and lack insurance coverage face paying at least $140,000 versus the $5 to $10,000 that women with good insurance typically pay.

Dr. Ninez Ponce, from the UCLA Center for Health Policy Research, told PEOPLE Magazine that women who are not insured can often go into debt after paying for all of their health care expenses. Not having insurance forces you to miss out on the essential health benefits and causes you to pay so much of your own personal money for life saving treatment. Many hospitals and doctors may even delay certain treatments due to the lack of insurance coverage. Some can’t let their patients receive certain treatments at all until they get the proper insurance coverage.

That’s why many experts will tell you that health insurance can actually save lives. For instance, when the American Cancer Society looked at 52,000 breast cancer cases across the United States, they found a marked difference between women with and without health insurance. For uninsured women with breast cancer, the survival rate is only about 80.4%. For women with insurance, the survival rate jumps to 92.7%.

Julia Louis-Dreyfus urged men and women alike to invest in health insurance when she revealed her breast cancer diagnosis, and it is pretty clear that this coverage makes a huge difference. Not only does it save you money when you get injured or fall ill, but it also can truly help to save your life.


What Will Your Family Do If You Are Injured and Can No Longer Work?

Written by Insurance Magazine. Posted in Health and life insurance, Mississippi medicare supplement insurance, Short term liability insurance

Arkansas short term health insurance

We live in uncertain times. For instance, a person can be working and making a good living one day, and the situation can change in an instant. A fall at work. A mechanical accident that causes you to lose the full use of your dominant hand. With that accident, what was once a stable income can evaporate in just a day. With the help of long and short term disability insurance, however, the injured party has access to several resources. From paying for doctor’s bills and physical and occupational therapy appointments, to making sure that the injured party has a back up income to pay daily bills. And while life insurance plans help families recover when a life is lost, short term disability insurance benefits help individuals recover when a life is limited by injury.
What is sho


A Few Things Older Adults Should Know About Their Healthcare

Written by Insurance Magazine. Posted in Medicare supplement insurance south carolina, Medicare supplement insurance tennessee, Short term health insurance in pa

Arkansas short term health insurance

One of the unavoidable truths about American society is that the generation of adults born soon after the Second World War is almost entirely over 65 years of age. In fact, by the year 2030, the “Baby Boomer” generation as they are called will all be at least 65 years old. By 2030, there will be around 72 million Americans old enough to be considered an older adult.

Back in 1965, health care was much different. Only half of Americans 65 and older had health insurance. The way things are today, only 2% of Americans over the age of 65 lack health coverage. At the same time, not all health coverage is the same and your health plan might not


4 Most Important Types of Auto Insurance

Written by Insurance Magazine. Posted in Auto insurance panama city beach, Car insurance panama city beach fl, Rv insurance panama city beach

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If you own a car, the law expects you to at least have the Compulsory Third Party Insurance. Surprisingly or not, there are other optional insurance plans, which can offer you and the insured vehicle maximum cover. Most times when people are assessing car insurance options, they think of two things; Full-coverage and liability car insurance. However, there are other tailored covers designed to meet your specific needs.

It is estimated that world wide, about 1.2 million people perish in car accidents yearly. Regardless of who’s at fault during an accident, it’s simply mandatory for both sides to have some type of insurance policy. Otherwise, it could be a recipe for long court processes. In case you have just


Insurance Policies Can be Both Complicated and Confusing

Written by Insurance Magazine. Posted in Final expense insurance north carolina, Life insurance mn, Medicare insurance company

Ohio medicare supplement insurance

Your husband is not going to forget his first half marathon anytime soon!
The two of you were only two and a half miles in before the rain started, just drizzling at first. Another mile past those initial drops before the heavens really opened up. The wind and heavy, pelting rain mixed with some lightning for good measure, and you had a race that will always be memorable.
Even with all that drama, however, they two of you ran a good, even race and both of you earned a PR!! You are thankful that your husband had been such a good training buddy these last few months, but you are not certain that you will get him to sign up again for such a long race. You are convinced though that he might be committed to the new healthy lifestyle.
In today’s world where more and more people live se


Different Ages for Different Kinds of Life Insurance

Written by Insurance Magazine. Posted in Pennsylvania medicare supplement insurance, Short term health insurance in az, What is short term disability insurance

Short term health insurance illinois

It can be complicated enough deciding what to eat every day, let alone choosing what kind of insurance you might need. For as many difficult situations as there are in the world, there are types of insurance that could potentially protect you. For traffic accidents, you’ll need automobile insurance. For fire, floods and weather, you’ll need some sort of home insurance. Then there’s life insurance which is something critical that can be difficult to think about. Fortunately, there are lots of different kinds of life insurance company to choose from and they all care about your individual needs and well being. What follows is a short list of ages to