Paying for your policy

Looking around the US economy right now. Homes have been foreclosed, bankruptcy looms on private debts and the retirement 401ks have taken a serious hit. Life as we knew it has been turned upside down without anything in place to catch us as we fell. So how did we get into this mess? The economists tell us we have been living beyond our means. Credit was cheap and, with banks and credit card companies raising their borrowing limits, there seemed to be nothing we could not afford. There was no need for savings. Everything could be charged. If… [More]

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About Uninsured/Underinsured Motorist Coverage

Having an accident with a driver who has no auto insurance coverage can place you and your insurance company in an unpleasant situation. However, having uninsured/underinsured motorist coverage allows you to rest assured that you’ll receive coverage no matter what. While having an accident with such a driver may sound quite unlikely, since all states legally require drivers to have auto insurance, fact is that there the number of uninsured drivers can go up to 25% in certain places.

What is UM or UIM?

Uninsured or underinsured motorist coverage will pay for injuries or… [More]

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Is your car insurance company rated?

There are certain institutions in the country that can rate companies. Some of them deal with insurance companies only as there are too many to take into consideration. But we have some questions that we want to discuss now. How do coverage, rates and services differ and what makes this or that company better than the other one? How can one and the same service cost differently in different companies? If you have not dealt with an insurance company before it is tough to choose one and not to have doubts about it later on. What is important… [More]

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Posted under Finance | Tags: Convergence, Fiscal Institutions, health, Health Check, Health Savings Account, Health Savings Accounts, Healthcare Consumer, Healthcare Costs, Healthcare Expenditure, Healthcare Options, HSA, HSA\'s, Insurance Coverage, low-cost shape insurance, Medicare, Medicare Modernization Act, Own Health, Perception, Private Savings, Pro Health, shape insurance companies, Standpoint, Traditional Shape, Visage, Vital Health

What is this antitrust status?

In the midst of all the heated debate about healthcare reform, there is one element that tends to get slightly less publicity. Yet, when it comes down to making the reform work, it is one of the most important changes to push through both the House and the Senate. To understand the issue, we need to go back to the Supreme Court decision in United States v. South-Eastern Underwriters Association which, in 1944, allowed the federal government to apply antitrust laws to insurance companies by extending the Commerce Clause in the US Constitution to break up abusive monopoly… [More]

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