eInsurance Journal: EInsurance Journal Health Insurance Articles

Shopping for Health Insurance Quotes: Understanding Waiting Periods

admin — Fri, 06 Aug 2010 00:00:00 GMT

One of the key provisions of the Patient Protection and Affordable Care Act (aka ObamaCare) that squeaked through Congress last March was the eventual elimination of waiting periods and other exclusions for pre-existing conditions. The provision is set...

Lifestyle Choices and Affordable Health Insurance

admin — Thu, 05 Aug 2010 00:00:00 GMT

Want more affordable health insurance? Put out the cigarette, put down the double cheeseburger, hide the salt shaker and pour your booze down the drain. The lifestyle choices ...

Understanding Health Insurance Quotes: Premiums, Coinsurance, Copayments & Deductibles

admin — Fri, 30 Jul 2010 00:00:00 GMT

Ever find yourself baffled by insurance company jargon? You’re not alone. Many Americans find it difficult to decipher the terminology, and that can keep you from getting the cheapest health insurance

Group Health Insurance Rates for a Group of One

admin — Mon, 12 Jul 2010 00:00:00 GMT

The prolonged recession and slow recovery has created a brand new bunch of self-employed consultants and independent contractors. Along with the joys of trading long commutes for long hours working in your pajamas come some sobering realities. Pa...

Don’t Cancel Your Health Insurance Just Yet

admin — Thu, 27 May 2010 00:00:00 GMT

Just weeks after Congress passed the 2,000-plus page health care reform bill, anecdotal stories are circulating about people walking into health care facilities and demanding their free ObamaCare. Hope you didn’t drop your dental insurance is a good idea. While it is not intended to pay 100% of your dental care costs, it ...

Are Mandates Why You Can’t Find Cheap Health Insurance?

admin — Thu, 06 May 2010 00:00:00 GMT

Shopping for a cheap individual health insurance plan and dismayed by the premiums? Assuming you’re in good health, don’t smoke and aren’t pushing retirement age, the reason could be mandates. Those are the benefits and services insur...

Health Insurance Savings with Smart Prescription Drug Shopping

admin — Thu, 01 Apr 2010 00:00:00 GMT

A big advantage of having health insurance is prescription drug coverage. But plan benefits vary and even with the best health insurance you can still save big bucks by being a smart shopper. Here ar...

Common Insurance Mistakes People Make

admin — Tue, 09 Feb 2010 00:00:00 GMT

Money too tight and time is too precious to waste either. Avoid these common insurance mistakes people make and you might save a little of both.

Never ever lie on an application.
Lying includes failing to disclose requested i...

What Kind of Insurance is Tax Deductible?

admin — Tue, 09 Feb 2010 00:00:00 GMT

About this time of year, you’re digging through drawers, pants pockets, purses and maybe even a file folder or two looking for receipts so you can maximize your federal income tax deductions. You may also be wondering if any of your insurance ...

Is Health Insurance Tax Deductible?

admin — Thu, 04 Feb 2010 00:00:00 GMT

Tax time is right around the corner. Time to corral all the receipts, break out the calculator and see how much of your hard-earned cash you actually get to keep. Your best bet is to itemize and claim every single legitimate deduction you’re e...

What You Need to Know When Shopping for Disability Insurance Quotes

admin — Tue, 26 Jan 2010 00:00:00 GMT

Disability insurance coverage was developed to replace tax-free 45% to 60% of your gross income if you’re unable to work because of illness. It can be a life-saver if...

Is High Deductible Health Insurance Right For You?

admin — Fri, 15 Jan 2010 00:00:00 GMT

Happy New Year! Why not take this opportunity to review your health insurance coverage and see if you can save a few bucks by making more informed choices? One of the best ways to bring down costs is ...

Tips for Picking a Health Care Plan Winner During Open Enrollment

admin — Thu, 14 Jan 2010 00:00:00 GMT

It’s that time of year. If you’re still among the employed and your employer still offers health insurance as a company benefit, any day now you’ll be paraded into the company conference room to hear about your open enrollment opti...

Max Out Your Health Benefits

admin — Tue, 12 Jan 2010 00:00:00 GMT

With the end of the year coming on fast, now is a good time to strategize how to maximize the benefits on your medical and dental insurance policies for the coming year. The goal is to not leave any money or benefits on the table.

Health Care Insurance Update: Changes to COBRA in 2010

admin — Tue, 05 Jan 2010 00:00:00 GMT

Part of last year’s American Recovery and Reinvestment Act (ARRA, aka the stimulus bill) included a federal COBRA premium subsidy for folks who lost their jobs between September 1, 2008 and December 31, 2009. Under its provisions, the federal ...

A New Year Wish for 2010 - Health Insurance

admin — Mon, 28 Dec 2009 00:00:00 GMT

Starting 2010 with health insurance is a great way to start the New Year off on the right foot. Life is unpredictable and even those of us that are generally very healthy can suddenly need to c...

Fulfill Your New Year’s Resolutions for 2009 – Review Your Health Policy Offered By Your Employer

admin — Wed, 23 Dec 2009 00:00:00 GMT

It’s that time of year again – you’re starting to think about making some resolutions for the coming of the New Year. Most of us think about resolutions regarding getting in shape and losing weight after the holidays. T...

Review Your Texas Health Care Insurance for 2010

admin — Wed, 23 Dec 2009 00:00:00 GMT

Add reviewing your Texas health care insurance policy to your December or January to-do list. In these tough economic times, it could help you save some money, or at least result in improved coverage. Lawmakers and consumer advocates are working on ...

Making More Informed Choices for the New Year - Consider Your Auto, Home, Health and Life Insurance

admin — Mon, 21 Dec 2009 00:00:00 GMT

You have insurance, so you're all set if something were to go wrong, right? Well, maybe not. Just because you have insurance, does not mean that you have the kinds of coverage that you need or high enough limits to adequately protect you...

New Year’s Resolutions for 2010 – Search Online for Cheap Health Insurance Quotes

admin — Fri, 18 Dec 2009 00:00:00 GMT

Not all of us have health insurance through our employers. Many of us are self-employed or work part-time and do not qualify for benefits through employment. A great New Year’s resolution, in addition to the goal of hitting the gym...

Hurry – 2010 is Almost Here! Max Out Your Health Benefits before Year End.

admin — Wed, 16 Dec 2009 00:00:00 GMT

It’s hard to believe, but 2009 is quickly drawing to a close. With only a few weeks left, make sure that you get the most out of your health benefits before year end. Chances are you have already satisfied your

Review Your Arizona Health Care Insurance for 2010

admin — Mon, 14 Dec 2009 00:00:00 GMT

Add reviewing your Arizona health care insurance policy to your end-of-the-year/new-year to-do list. In these tough economic times, it could help you save some money, or at least result in improved coverage. Consumer advocates are working on y...

Winter Home & Health Hazards: Carbon Monoxide. Reduce Your Homeowners Insurance with a Safer Home

admin — Mon, 14 Dec 2009 00:00:00 GMT

Protecting your loved ones is critical during the holidays. Carbon monoxide (CO) kills over 2,000 people every year in the U.S. and another 8,000 to 15,000 people are treated for non-fire-related CO poisoning annually, according US Consumer Product ...

Review Your California Health Care Insurance for 2010

admin — Fri, 11 Dec 2009 00:00:00 GMT

Add reviewing your California health care insurance policy to your December to-do list. In these tough economic times, it could help you save some money, or at least result in improved coverage. Consumer advocates are working on your behalf and a nu...

Review your New Jersey Health Insurance for the New Year

admin — Wed, 09 Dec 2009 00:00:00 GMT

Many states made health care and health insurance legislation priority issues in 2009. Changes in state law could have a big impact on what you pay for your New Jersey health care insurance in the future. As the new year approaches, now is a great t...

Save on Homeowner Insurance. Protect Your Home from Winter Dangers.

admin — Wed, 02 Dec 2009 00:00:00 GMT

You can’t make snowmen, have snowball fights or go sledding, skating and skiing without snow. That’s the good part about living where there’s real winter weather. The bad part is shoveling snow, scraping ice and dealing with the da...

Ring in the New Year. Shop for Individual Health Insurance Quotes.

admin — Tue, 01 Dec 2009 00:00:00 GMT

Even if health care reform passes, under its current 2,000+ page iteration it won’t take affect for several years. In the meantime, you still have choices and December and January are the right time to review your personal situation and make a...

Affordable Health Insurance. What Impact Would Real Portability Have?

admin — Mon, 16 Nov 2009 00:00:00 GMT

Portability is one of the words that keeps popping up in the health care reform debates and the goal to provide Americans with affordable health insurance. Simply put, portability involves your abili...

Personal Health Care Insurance for College Students

admin — Mon, 16 Nov 2009 00:00:00 GMT

College-bound students who were planning on coverage under their parents’ employer-provided health care insurance may need to add a personal health care insurance plan or college-provided plan to the rising cost of higher education. Blam...

Affordable Health Care Insurance Quotes Would Tort Reform Actually Help?

admin — Fri, 13 Nov 2009 00:00:00 GMT

If you’ve been listening to the health care debates (hard to avoid if you have a pulse), you’ve probably heard that tort reform is one of the things that would make it easier for Americans to find affordable ...

Affordable Health Insurance. Low Cost Health Insurance. Cheap Health Insurance. Do Any of These Exist?

admin — Mon, 26 Oct 2009 00:00:00 GMT

As unemployment continues to rise, many people who’ve always depended on their employers for health care are finding themselves in unfamiliar territory. For some the first shock comes when they get the COBRA cost and actually learn what the avera...

How to Shop for Individual Health Insurance Quotes Online

admin — Fri, 23 Oct 2009 00:00:00 GMT

If you have health insurance provided by an employer, you don’t have to do much at all beyond selecting from the menu of options once a year. But if you’re newly retired and under 65, recently unemployed without COBRA, lost coverage once pr...

Finding Individual Health Insurance with a Pre-Existing Condition

admin — Fri, 02 Oct 2009 00:00:00 GMT

In the insurance world, a pre-existing condition is any medical condition you have had before you tried to get health insurance coverage. It could be an illness, an injury or any...

Individual Short-Term Disability Insurance Plans: A Good Bet for the Self-Employed

admin — Fri, 02 Oct 2009 00:00:00 GMT

What would happen if your nagging cough turned into bronchitis or a slip in the bath tub threw out your back? If you have a job, you might be able to dip into your accrued vacation or sick-leave time to cover your expenses while you recover from an ill...

Understanding Health Insurance Costs, Pt. 2 – How We Got Here

admin — Mon, 28 Sep 2009 00:00:00 GMT

Unlike the wheel and agriculture, health insurance is a fairly recent development in human history. But like those two earlier developments, it has become critical to our way of life. Understanding a little about how we got to where we are with health ...

Understanding Health Insurance Costs, Pt. 1 – Where You Live

admin — Mon, 14 Sep 2009 00:00:00 GMT

Unless you’ve been on the moon or in a monastery all summer, you can’t have escaped the health care reform issue or the debates about how to really lower health insurance costs. One of the ideas that keeps floating to the surface is the so-called Inter...

Health Insurance for Your College Age Kids and Student Medical Insurance Quotes

admin — Wed, 02 Sep 2009 00:00:00 GMT

As if you didn’t have enough to deal with sending your child away to college this fall! Now there are rumors that a swine flu pandemic may hit full force in September. On-campus clinics are free, but if the flu outbreak lives up to predictions, those r...

E-Insure.com Free Insurance Quotes Online - eInsurance Insurance Products

admin — Thu, 20 Aug 2009 00:00:00 GMT

When looking for insurance quotes separately for your vehicles, home, business, health and life insurance, you could go online. But you probably have better things to do than spend hour upon hour trying to evaluate and compare multiple quotes from comp...

Protecting Your Privacy When Looking for Health Insurance Quotes

admin — Tue, 11 Aug 2009 00:00:00 GMT

The Internet has made comparison shopping for personal health insurance easier than it’s ever been. But in your haste to find an affordable health insurance policy have you ever stopped and wondered what happens to all that private information you’re f...

What To Consider When Shopping For Cheap Health Insurance Quotes Online – Particularly If You’ve Recently Been Laid Off

admin — Tue, 04 Aug 2009 00:00:00 GMT

Unfortunately in this economy, many people are being laid off from their jobs every single day. When this happens, you’re forced to decide whether to purchase health insurance, or go uninsured. It’s never a good idea to be uninsured, as you never kno...

Health Insurance: Shopping for Long Term Care Insurance

admin — Wed, 22 Jul 2009 00:00:00 GMT

If you couldn’t bathe, feed or dress yourself because of a stroke, Alzheimer’s or some other disabling event, would you have the financial wherewithal to pay someone else for your daily needs? The average cost of a year of nursing home care is $66,000....

Health Insurance: Invest in Long Term Care Insurance - Part I

admin — Tue, 21 Jul 2009 00:00:00 GMT

Statistically, we’re all going to live longer than previous generations and that could be a mixed blessing. Experts say that half of us who reach 65 will need at least two years of help just getting through the day. If you don’t want to depend on your ...

Student Medical Insurance – A Must-Have for the College-Bound

admin — Tue, 14 Jul 2009 00:00:00 GMT

If you’re a parent, you know you put a lot of effort getting Junior through high school and into college. Protect your investment with a student medical insurance policy. It may be cheaper than continuing to carry your child as a dependent on your heal...

Health Savings Accounts – An Affordable Health Insurance Option

admin — Thu, 09 Jul 2009 00:00:00 GMT

Health Savings Accounts were created by the Medicare bill of 2003 to help people save money tax-free to pay for qualified medical and health expenses now and in the future. They’re similar in some ways to Flexible Savings Accounts offered to employees,...

Temporary Health Insurance Coverage

admin — Thu, 09 Jul 2009 00:00:00 GMT

Are you unemployed without access to COBRA, a new hire, a seasonal worker or a new college grad? Then you’re a very good candidate for temporary health insurance coverage. Also called Shor...

Understanding Managed Health Care Insurance Plan Options

admin — Tue, 30 Jun 2009 00:00:00 GMT

So you’re out there looking for affordable personal health insurance quotes. Well, these days affordable health insurance pretty much means managed care health insurance, which also means somebo...

How to Evaluate Insurers for Individual Health Insurance

admin — Tue, 16 Jun 2009 00:00:00 GMT

You’ve got a personal stake in all of your insurance coverage, but with individual health insurance coverage, a little more so. Your car’s wrecked, your business is robbed, your home burns down – these are all very bad situations, but they pale alongsi...

What Does a Dental Insurance Policy Cover

admin — Tue, 16 Jun 2009 00:00:00 GMT

Compared to health insurance coverage, dental insurance plans are a bargain. For example, most dental insurance coverage includes preventive treatments such as a certain number of cleanings and x-rays free. You don’t get that with medical insurance cov...

Why You Need To Search For Insurance Quotes And Purchase Insurance Now

admin — Thu, 04 Jun 2009 00:00:00 GMT

Insurance protects against accidents that you are not aware of at the time you purchase the policy. If there has already been a loss – there has been an auto accident, someone slipped and injured himself or herself on your property, there was a fire or...

An Insurance Policy Is A Contract - Don’t Forget To Uphold Your End Of The Bargain

admin — Wed, 03 Jun 2009 00:00:00 GMT

When shopping around for insurance quotes, keep in mind that once you have decided on the policy that’s right for you, you should read the policy. Insurance is one of those things that you buy and hope you’ll never need. But, in the event that you suff...

Insurance Companies – Are They Really As Bad As They Are Made Out To Seem?

admin — Wed, 03 Jun 2009 00:00:00 GMT

If you read the paper or watch TV, you know that insurance companies often get a bum rap. But, an insurance company is a business just like any other. An insurance company has employees to pay and needs to make a profit to stay in business. We don’t de...

What Do I Do If My Insurance Company Denied My Claim?

admin — Wed, 03 Jun 2009 00:00:00 GMT

Your insurance company will deny your claim if the claim is not covered under your insurance policy. Insurance companies cannot pay claims for which they received no premium, or ...

Insurance – Sample Cancellation Letter

admin — Tue, 02 Jun 2009 00:00:00 GMT

Did you know that you don’t have to wait until your insurance policy expires to search for a better insurance quote? In the event you find a cheap online insurance quote right now, you can ask your current insurer to cancel your policy a...

Insurance 101 – What Is It And Why Do I Need It?

admin — Tue, 02 Jun 2009 00:00:00 GMT

Generally, insurance is a contract in which an insurance company agrees to indemnify you against a specific, unexpected covered loss. The idea behind insurance is that if many people pay premiums, and only a certain percentage of those people suffer lo...

What Does a Dental Insurance Policy Cover?

admin — Tue, 02 Jun 2009 00:00:00 GMT

Compared to health insurance coverage, dental insurance plans are a bargain. For example, most dental insurance coverage includes preventive treatments such as a certain number of cleanings and x-rays free. You don’t get that with medical insurance cov...

Low Cost Health Insurance - Part I: COBRA Bites

admin — Tue, 26 May 2009 00:00:00 GMT

A funny thing happens when you lose your job. You begin to appreciate the benefits that came with the job, not the least of which was health insurance. Whatever you were kicking in as a contribution to your employer’s medical insurance plan, it’s nothi...

Low-Cost Health Insurance - Part II: Medical Insurance Musts for the Newly Unemployed

admin — Tue, 26 May 2009 00:00:00 GMT

Once upon a time, it was supposed that we humans only needed shelter, water, food and air to survive. Anyone who’s ever had to pay out-of-pocket for a medical procedure or hospital stay will tell you to add medical insurance coverage to the survival ch...

Health Insurance Quotes - Financial Considerations

admin — Wed, 20 May 2009 00:00:00 GMT

You can’t underestimate how important health insurance is for you and your family and it is essential to know what type of health insurance coverage is right for you. Not only...

Searching For Health Insurance Quotes - What Type of Health Insurance Is Right For You?

admin — Wed, 20 May 2009 00:00:00 GMT

There are certain considerations you should take into account as you search for health insurance quotes. For example, you will need to consider what type of health insurance plan is best for you. As some...

The Basics Of An Insurance Policy

admin — Wed, 20 May 2009 00:00:00 GMT

There is more to an insurance policy than what it costs you. In order to accurately compare one policy with another, you need to know more than just what the premium is. You need to know what each of the policies covers in order to understand if the po...

How Do I Choose An Insurance Company?

admin — Fri, 16 Nov 2007 00:00:00 GMT

There are many insurance companies, so choosing between them can be a challenge. Here are the main points to keep in mind when selecting an insurance company: Licensing
Not every company is licensed to operate in each state....

Is There A Difference Between Insurance Cancellation And Nonrenewal?

admin — Thu, 06 Sep 2007 00:00:00 GMT

Source: Insurance Information Institute, Inc. www.iii.org - ALL RIGHTS RESERVED There is a big difference between an insurance company canceling a policy and choosing not to renew it. Insurance c...

How Does Honesty Apply To Insurance?

admin — Thu, 12 Oct 2006 00:00:00 GMT

This is a subject that has been debated over the years many times. In essence, honesty is one of the bedrocks of the insurance product. Without an honest insured, it is very difficult for an insurance comp...

The Death Of The Educated Jury: The Plaintiff’s Malpractice Lottery

admin — Thu, 09 Jun 2005 00:00:00 GMT

As in the times of the Romans, the common man is called to perform his civic duty. I was called for Jury duty today. I had all the common emotions associated with such a calling:

I had not been able to go the last two times, as I...

Cut Your Risk For Filing Bankruptcy

admin — Fri, 20 May 2005 00:00:00 GMT

On April 20, 2005, President Bush signed legislation into law making it more difficult for individuals to file bankruptcy under Chapter 7. Though the new legislation has found support from credit card companies and other lenders, when this new law take...

One Last Gift Under The Tree: Health Savings Accounts

admin — Wed, 23 Feb 2005 00:00:00 GMT

You've survived another holiday season. All the gifts are opened, the eggnog is gone and you're left with thank-you notes to write, a few extra pounds to burn off, and a checkbook to balance. But if you want to start off the new year smart, here's a ti...

A Valentine Special: Domestic Partnership Insurance Revisited

admin — Wed, 09 Feb 2005 00:00:00 GMT

Since the e-Insure Journal first visited the domestic partner issue in July 2003, gay marriage has come to dominate headlines nationwide. Many see 2004 as the year that "m...

Staying Healthy II: Results That Last

admin — Mon, 20 Dec 2004 00:00:00 GMT

Imagine it's 1954 (this will take more imagination for some of us than for others) and you're watching television's top-rated show: I Love Lucy. Your eyes begin to glaze over as you squint at your tiny black-and-white television set. Soon you ...

Staying Healthy I: A Question Of Balance

admin — Mon, 29 Nov 2004 00:00:00 GMT

I couldn’t help noticing the food items in the cart ahead of me in the checkout line: ice cream, soda pop, cheese puffs, candy, and more. And I couldn’t help noticing the rather large man and woman standing behind their cart, checking out the fitness...

The True Cost of Health Insurance

admin — Mon, 28 Jun 2004 00:00:00 GMT

Health insurance can be loaded with terminology that leaves some of the most seasoned buyers intimidated. As a result, I routinely need to help the applicant become more confident by helping him or her understand the t...

Children's Health Insurance: An Open Letter To The Governor Of Texas

admin — Tue, 23 Sep 2003 00:00:00 GMT

Lisa Laudermilk is a homemaker, part-time preschool teacher, and the mother of four sons. Concerned with the skyrocketing costs of medical services and health insurance, as well as unfair policies and recent budget cuts within the Children's Health ...