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Crowning glory: as employers reduce retiree benefits, more seniors are losing their prized dental coverage.: An article from: Best’s Review

Product Description
This digital document is an article from Best’s Review, published by Thomson Gale on January 1, 2008. The length of the article is 3052 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.

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Title: Crowning glory: as employers reduce r… More >>

Crowning glory: as employers reduce retiree benefits, more seniors are losing their prized dental coverage.: An article from: Best’s Review

Dental coverage can reduce costs of benefits. : An article from: National Underwriter Property & Casualty-Risk & Benefits Management

Product Description
This digital document is an article from National Underwriter Property & Casualty-Risk & Benefits Management, published by The National Underwriter Company on December 2, 1991. The length of the article is 768 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… More >>

Dental coverage can reduce costs of benefits. : An article from: National Underwriter Property & Casualty-Risk & Benefits Management

Medigap Insurance Plans The Supplemental Medicare Plans For Better Coverage

If you have any insurance then it can not be said that the insurance will provide you all the spending or requirement that you would need at that time of your necessity. You simply can not say that. Here we will discuss about health insurance plans. Even best Medicare insurance plan can not assure you with that. Medigap Health Insurance Plans or Medicare health insurance plans are that type of insurance plans which can cover the gap between the Medicare health insurance and original spending at hospital and in buying medicines and doctor’s fees. Supplemental Medicare insurance plans are there only to help you to pay your excess medical bill that makes you worried. These types of bills are left aside by the main or principal medical bill. So to pay this bill you can use medigap insurance plans as your helping aid. As the name suggests, it is a supplement plan that is bought along with an original Medicare plan. In an original plan there always remains a gap and it cannot pay for the total bill charged. Therefore there is the need for a supplement plan to clear off your dues. Medicare supplemental plans are therefore very much needed if you want that you will not spend a penny from your pocket and will have the full coverage of your original Medicare health insurance plans.

Medicare policy coverage starts from the age of 65 of the insurance owner. 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. So it means that if you reach the age of 65 on 20th of May your policy coverage would start on 1st of the same month. As we have said all the left aside costs by the original Medicare plans are paid by this medigap insurance plans. This pays the extra medical bill and cost of doctors not paid by the Medicare plans. And this is because they are not the part of your policy coverage. These costs 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. As this supplemental plan makes the gap complete or bridge the gap therefore this is called medigap insurance plans. The name itself signifies its purpose. These are supplementary plans having close relationship with the Original Medicare plans. The supplemental Medicare insurance 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. Though there are total 12 plans in this supplemental plan but the buzz is that there two more 2 plans which are likely to be introduced by the Medicare supplement insurance companies and those are plan M and plan N.

And among all these medigap companies medigap California is the one that is appropriate and best Medicare supplement plan available in the market.

About Health Insurance Coverage From Your Employer

Health insurance from your employer is normally offered once you have been employed for a minimum of 3 months. Not all employers offer full benefits, but some larger companies or corporations do. This would include health, dental and vision insurance coverage. With much smaller companies, you may be offered only medical or only dental.

An advantage of acquiring health insurance from your employer is that some employers will pay up to 80% of your premium for the coverage. While the remaining premium balance is deducted from your paycheck. If wanting to have your entire family added to the plan, normally the employer will pay a certain amount or percentage of your premium and you are responsible for the balance and 100% of what it cost extra for adding a spouse or family.

Now, depending on the type of business, company or large corporation you work for can also play a part on your options for health insurance. Some businesses will only offer HMO plans and others may offer only a PPO plan. With an HMO plan, your premium is usually less and your co-pay is as little as $5.00 – $10.00 per visit. With HMO though, you do not get to choose where you go or who you see. PPO plans, you pay higher premiums, but you get to choose where you want to go. Downfall is higher co-pay of up to $30.00 per visit. Either way, if your employer is offering health insurance it is a good idea to get informed and select the plan that is best for you.

Cheap Car Coverage

Car’s have become a way of life for most people these days. They are no longer an object of luxury but instead almost necessary. With owning your first car comes having to purchase cheap car insurance as well but for young drivers it can be especially hard to find cheap car insurance.

For older drivers it is pretty simple to locate reasonable insurance rates but for the younger and more inexperienced driver this can prove to be a big problem. The lack of experience these drivers have makes them susceptible to more accidents which pushes them in to that high risk category classification. High risk drivers pay a lot more for coverage than other drivers do. Read More: buy cheap car insurance

While we all learn our basic driving skills through the teachings of others we can not learn everything we need to know until we experience it on our own. Only gaining driving experience on the roadways is the way to become a good driver. Driving schools teach you the basics but don’t promise you will be good at any of it when you leave. They basically teach you the common skills and the rest is up to you.

Younger people tend to want to drive flashy sports cars. These vehicles are considered by the car insurance companies to entice reckless behavior and therefor put the young driver at even higher risk of an accident. Family cars will offer much cheaper rates, but for the absolute cheapest rates you should go with an older model vehicle.

One other way you might try to lower the insurance cost of a young driver is by changing their driver’s status while they are away at college and not actually using their vehicle for anything. Many insurance companies offer temporary discounts during these times without having to drop the driver from the policy in order to lower the cost while they are not operating a vehicle.

Each insurance company will have its own set of discounts so it never hurts to ask what they can offer for the young drives in your family. Good grades are a way to get a small discount of of your premium for example and most companies offer this option. All it usually requires is a piece of paper to be filled out by the school every grading period to verify the student did in fact have A’s and B’s during that time. The average discount for this is somewhere around $50 for most people. Read More: cheap car insurance company



Cheap Car Coverage

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Cheap Car Coverage

Published by: Jame Randy Espinoza (2) | Word Count: 431 | Comments: 0 | Article Views: 55


Car’s have become a way of life for most people these days. They are no longer an object of luxury but instead almost necessary. With owning your first car comes having to purchase cheap car insurance as well but for young drivers it can be especially hard to find cheap car insurance.

For older drivers it is pretty simple to locate reasonable insurance rates but for the younger and more inexperienced driver this can prove to be a big problem. The lack of experience these drivers have makes them susceptible to more accidents which pushes them in to that high risk category classification. High risk drivers pay a lot more for coverage than other drivers do. Read More: buy cheap car insurance

While we all learn our basic driving skills through the teachings of others we can not learn everything we need to know until we experience it on our own. Only gaining driving experience on the roadways is the way to become a good driver. Driving schools teach you the basics but don’t promise you will be good at any of it when you leave. They basically teach you the common skills and the rest is up to you.

Younger people tend to want to drive flashy sports cars. These vehicles are considered by the car insurance companies to entice reckless behavior and therefor put the young driver at even higher risk of an accident. Family cars will offer much cheaper rates, but for the absolute cheapest rates you should go with an older model vehicle.

One other way you might try to lower the insurance cost of a young driver is by changing their driver’s status while they are away at college and not actually using their vehicle for anything. Many insurance companies offer temporary discounts during these times without having to drop the driver from the policy in order to lower the cost while they are not operating a vehicle.

Each insurance company will have its own set of discounts so it never hurts to ask what they can offer for the young drives in your family. Good grades are a way to get a small discount of of your premium for example and most companies offer this option. All it usually requires is a piece of paper to be filled out by the school every grading period to verify the student did in fact have A’s and B’s during that time. The average discount for this is somewhere around $50 for most people. Read More: cheap car insurance company

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Cheap Car Coverage Article Keywords
Health Insurance, Low Income Health Insurance, Cheap Medical Insurance, Family Medical Insurance

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Jame Randy Espinoza has published 2 articles. This article published on Jul 12th 2010 04:57:23 AM

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Have The Medigap Plans Handy to Have a Better Medicare Coverage

Medicare original plan always left some expenditure as it does not cover all the expenses that are made by you during your treatment. It is common to all types of insurance be it a health insurance or any other insurance. But here in the case of Medicare original health insurance plan there is supplemental plan which covers all types of expenses made by your treatment. And this insurance is called Medigap insurance. Medigap insurance or Medicare supplemental insurance plan helps the Medicare beneficiaries to bear that extra medical cost that are left aside by the original plans. The name Medigap is suggested because it is believed that these policies bridges the gap between the Medicare coverage and the original expenses or the total bill charged.

You have to be a buyer of the original one then you can only apply for the medigap insurance health insurance plan. If you are not a policy holder of the previous one you can not buy the latter one. Medigap plan only can be bought after you have enrolled your name for the original Medicare plan. It is to be noted that the Medigap policies are private health insurance plans and the private insurance companies can only sell them and not by any government organizations. These plans are totally administered by the private insurance companies. But it is to be mentioned that though these plans are completely administered and sold by private insurance companies but still there are only 12 supplementary plans labeled A through L. each of the companies are bound to follow some common rules and those are giving benefits which are specific and can not be altered by the companies. Under the same letter same benefits are stated and each company offers the same coverage. Nothing more and nothing less you can have.

While choosing a medigap health insurance plan from a medigap insurance company you can Compare Medicare Supplement Plans. And then only you can decide what you will do. Medicare Supplement Comparison will allow you find out the Best Medicare Supplement Plan among the many plans. But there is one medigap company which is genuine and authentic. And the name of it is Medigap insurance California. Medigap California covers all the extra expenditure made by your health purpose and relaxes your future after 65. You can enjoy your post retirement life. Medigap California is such a medigap health insurance plan which is dependable and easy to get booked. Medigap insurance California covers all the left expenditure by your original Medicare policy. After doing this or seeking help from this particular plan you can spend rest of your life without any tension related to your health.

Moreover, to choose the perfect Medigap Health Insurance Plan you can always seek the help of some insurance agent who can guide you in your choice of the Medigap plans. But whatever you choose one thing should always be kept in mind is to read the offer documents of all the Medicare Supplement Insurance plans and then make your choice.

TATA AIG Travel Insurance, Overseas Travel Insurance Coverage

Travelling overseas is always an exhilarating and mind broadening experience, however it is prudent to be always covered with proper medical insurance. While leaving one’s home country travelers should get covered overseas travel insurance, as their domestic insurance usually does not cross national boundaries. TATA AIG has designed travel insurance specially to provide coverage for those going overseas. The premium for the TATA AIG travel insurance plans vary according to the age group and destination of the traveler. The travel insurance plans offered by TATA AIG are;

TATA AIG Travel Guard Insurance

The TATA AIG Travelguard insurance is for all overseas travelers up to the age of 70. There are 3 policy maximums available, the Silver plan for $50,000/-, the Gold plan for $200,000/- and the Platinum plan for $500,000/- . This policy is available up to 180 days initially, but can be later renewed for another 90 days. The renewal is however not guaranteed and is contingent on approval.

TATA AIG Asia Guard Travel Insurance

Travelers going to Asian countries like Hong Kong, Singapore, Thailand, Malaysia, Dubai, Sri Lanka, Maldives… can purchase TATA AIG Asia Guard and get covered. Those who are travelling to Asia for any purpose will find TATA AIG Asia Guard affordable than any other travel insurance plans. Your holiday in Asia will be more enjoyable and memorable covered with TATA AIG Asia Guard. Only Japan and Korea are Asian countries that are excluded in Asia Guard travel insurance. However the Asia Guard policy is available for a maximum of 14 days only. For travel within Asia but for more than 14 days, travelers should purchase the TATA AIG Travel guard insurance policy.

TATA AIG Annual MultiTrip Travel Insurance

Travelers who make multiple trips to foreign countries annually can purchase TATA AIG Annual MultiTrip travel insurance for medical coverage. TATA AIG Annual MultiTrip insurance is available as Gold plan and Platinum plan. The Gold Plan in Annual MultiTrip provides maximum coverage of $250,000 and Platinum plan offers maximum sum of $500,000 respectively. Travelers with the Annual Multi trip cannot exceed a single trip overseas for more than 30 or 45 days depending on the plan purchased.

TATA AIG Domestic Guard Travel Insurance

Those who travel within India should not ignore the importance of travel insurance policy. TATA AIG Domestic Guard travel insurance plan covers specific risks that are encountered by the travelers in case of an emergency. TATA AIG Domestic Guard insurance can be purchased according to one’s age group.

TATA AIG Student Travel Insurance

Students going abroad for education also require medical insurance and TATA AIG Insurance plans are available for them also. TATA AIG Student medical insurance provides coverage for students between the age of 16 to 35 years who are enrolled and attending full time college outside of India. TATA AIG Student Guard insurance is available for the customers as Plan A, Plan B and Ultimate. The policy maximum will be $50,000, $100,000 and $250,000 respectively in Student Guard medical insurance by TATA AIG.

TATA AIG Senior Citizen Travel Insurance

TATA AIG travel insurance plans are available for senior citizens as well. Senior citizens who are between the age of 70 and 79 are eligible for TATA AIG travel insurance policy coverage. The maximum duration of coverage will be 120 days for Senior Citizen travelers between 70 and 79 and the maximum benefit maximum is limited to $10,000 in TATA AIG travel medical insurance plan.

These are some of the travel insurance plans offered by TATA AIG and are available online. Customers can purchase insurance from outside India for family members who are traveling from India. Insurance customers can get free quotes of TATA Travel insurance and get covered quickly and conveniently. Travelers who are already outside of India can fill online traveler outside India application and request for TATA AIG travel insurance policy coverage. Travelers already outside India can purchase the policy on getting approval. The purchase process of TATA AIG health insurance plan can be completed using a credit, a debit card or a cheque. The coverage of TATA AIG insurance plan will begin as per the start date requested by the insurance customers. TATA AIG travel insurance provides coverage for hospitalization expenses, checked baggage loss, baggage delay, loss of passport, personal liability, personal accident, trip delay etc.

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Customers can get free quotes of TATA Travel insurance and get covered quickly and conveniently. TATA AIG travel insurance covers expenses that incur both due to medical as well as non medical reasons during an emergency.

Dental coverage can reduce costs of benefits. : An article from: National Underwriter Property & Casualty-Risk & Benefits Management

Product Description
This digital document is an article from National Underwriter Property & Casualty-Risk & Benefits Management, published by The National Underwriter Company on December 2, 1991. The length of the article is 768 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… More >>

Dental coverage can reduce costs of benefits. : An article from: National Underwriter Property & Casualty-Risk & Benefits Management

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