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Posts Tagged ‘Bills’

Chamber Opposes Dental, Workers’ Comp Bills.: An article from: Arkansas Business

Product Description
This digital document is an article from Arkansas Business, published by Journal Publishing, Inc. on February 19, 2001. The length of the article is 331 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title: Chamber Opposes Dent… More >>

Chamber Opposes Dental, Workers’ Comp Bills.: An article from: Arkansas Business

Chamber Opposes Dental, Workers’ Comp Bills.: An article from: Arkansas Business

Product Description
This digital document is an article from Arkansas Business, published by Journal Publishing, Inc. on February 19, 2001. The length of the article is 331 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title: Chamber Opposes Dent… More >>

Chamber Opposes Dental, Workers’ Comp Bills.: An article from: Arkansas Business

What Do The New Loan Modification Bills Really Mean For Americans?

Recently, there has been great debate over whether foreclosure rescue acts or stimulus packages can really help American homeowners. Thus, the political struggle involved includes a battle between bankruptcy lobbyists and the big banks and lenders. With politicians moderating the battle of the two, American’s are often left out in the cold on what these rescue acts and stimulus plans actually mean for today’s struggling homeowners. 

The recently passed “Helping Families Save Their Homes in Bankruptcy Act of 2009” is a testament of this ongoing battle. This bill gives judges the authority to modify loans and lower monthly mortgage payments regarding both principal and interest. This authority includes a permanent reduction in rates and ultimately reduces principle balances on a permanent basis. This bill was passed to help halt the thousands of foreclosures occurring each month in America. All homeowners interested in learning more about this type of mortgage relief, can visit loanmodificationhelpcenter.org for more information. This website allows anyone to gather free information on load modification or the process of avoiding bankruptcy due to mortgage default.

While some critics feel the homeowners were aware of their loan terms when they applied for them and should thus be forced to deal with the harsh consequences of not paying them, others feel this is a saving grace for much of America. Others feel this loan modification would never be necessary if rampant loan fraud and predatory lending were not common practices in America, giving home loans to those who absolutely cannot afford them in the first place. Thus, other issues like the rising unemployment rate are directly linked to the inability to pay mortgages. Should Americans who have been laid off due to the American economic crisis be forced to deal with those same harsh consequences, even though there was no way they could see their lay off possibility when they signed on for their current loan? Perhaps they could have afforded the loan when they were employed, but cannot since the loss of their job.

Thus, this type of loan modification recently passed allows Americans to have a light at the end of their dark un-paid mortgage tunnels. Instead of trying to deal with cranky loss mitigation departments who keep them on hold for hours and transfer them to collection departments who are less than happy to take their calls, there is another option. In addition, this loan modification bill will allow homeowners in distress to stay away from loan modification scam artist companies who are simply out to take advantage of their situation. 

Those homeowners interested in finding out what this new loan modification bill passage can do for them and their mortgage, can seek assistance from The Feldman Law Center by visiting FeldmanLawCenter.com. The Feldman Law Center can help homeowners negotiate with lenders and avoid home foreclosure. Those who are under financial hardship and cannot pay their mortgage, those who think they’ve been a victim of predatory lending on their mortgage, those who already have a foreclosure date set up and those who want to avoid their credit being ruined for the next ten years due to foreclosure can gain assistance through The Feldman Law Center.

About Author
Alex is a famous author who writes about Loan Modification. FeldMan Law Center is a free resource for millions of people to find information regarding several topics related to loan modifications and resources to information.

Medicare Supplement Plans a Helping Aid to Pay Off Your Medical Bills

In this article we shall try to provide some information on Medicare, especially on Medicare Supplement Plans. As it is known that the Medicare plans helps in paying the medical costs that you may need. According to the rules the Medicare policy coverage starts at the age of 65. Actually if you have purchased a Medicare policy then in normal state your Medicare coverage would start on the 1st day of the month you turn 65. Which means that if you reach the age of 65 on 20th of May your policy coverage would start on 1st of the same month. Though the Medicare policies pays for most of your medical bills, still there are some costs that are not paid by your Original Medicare policy as they are not the part of your policy coverage, though which are added in bill for the services that you receive. Therefore you need to pay for that extra money from your own pocket even if you are having an Original Medicare plan.

Therefore for that reason the Medicare Supplement plans are introduced so that you can meet those extra costs that are left aside by your Original Medicare plan. And for that reason these policies are also known as the Medigap plans. These are supplementary plans having close relationship with the Original Medicare plans. The Medicare Supplement Plans are totally administered and sold by the private insurance companies and there are 12 standard Medigap plans that are to be sold by them.

You can have an Original Medicare plan and along with that you can also have a Medicare Supplement Plan. And both of them would pay their share of coverage. Medigap policies are a kind of coinsurance, copayments, or deductibles. The 12 standard Medigap plans are categorized under the letter covers A through L. And each of them have their own set of benefits and no matter from which company you may buy the Medigap plan you are going to get the same benefits. But it is to be remembered that the Medigap policies don’t work with any other type of health insurance policies save the Original Medicare pan. No other plans like the Medicare Advantage plan, Veterans Administration benefits or TRICARE could work with Medicare Supplement Plans. Which means you can’t get enrolled for a Medicare Supplement Plan if you are having these plans already. If you are having Medicare Advantage plan you need to switch over to Original Medicare plan in order to get enrolled for Medicare Supplement Plan.

Almost all the Medicare Supplement Plans have the basic benefits of Medigap plan A and B and in addition to that they have some extra benefits of their own. Some of the Medicare Supplement Plans cover certain costs that are not covered by the Original Medicare. However it is always better to get enrolled for a Medicare Supplement Plan within thirty days of getting your Original Medicare policy. In this you can get some extra benefits in cost reduction in premium payable. Moreover, before you choose a Medigap policy for yourself go through the offer documents of all the Medigap plans from A through L so that you can get a better idea of which one to choose from them. Sometimes it is seen that some of the plans which costs a little bit more and apparently seems to have lesser benefits turn out to be one that can save you a lot of money in the form of yearly deductible. Therefore be careful while choosing your Medicare Supplement Plans.

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