How do insurance companies settle an auto claim when you owe a balance on the vehicle?
Our auto was hit and totaled the other day.
We are waiting for our insurance company to complete their adjustment work because the person that hit us had no insurance. Do insurance companies pay the blue book price or just what is owed on the auto? Will they low ball us because it is our company?
Your insurer owes you the market value or ACV (actual cash value) of the car prior to the loss. If you owe more than it’s worth you will have to pay the difference to the bank.
What are the health benefits of drinking green chai tea?
I bought a box of the Stash green chai tea yesterday. My family was shocked because I can’t stand tea of any kind. But I just drank my first mug of this a few minutes ago and it tastes wonderful! It actually sort of tastes a bit like the Mexican horchata. So I’m considering taking it up regularly instead of drinking Swiss Miss and Folgers. What are the health benefits of this delicious beverage?
Your sh!t will turn green.
Do you know the difference between the current healthcare reform proposal and ‘Socialized Medicine’?
Many conservatives believe that the current healthcare reform proposal amounts to socialized medicine. Do these conservatives understand the difference between universal healthcare and socialized medicine?
Of course….in socialized medicine, the govt runs healthcare…in universal healthcare, the healthcare is run privately, but the govt assists those who cannot afford coverage
What is the best health insurance and life insurance policies?
What is the best health insurance and life insurance policies? I am recently out of the military and need to purchase an individual health ins policy. However, I am not sure which ones are the best. I am a student, do they offer any good student policies? Also, is the SGLI to VGLI conversion a good change to make? If not, which is better term or whole life insurance policies?
Check out this site, if you want to find the best or the cheapest health insurance just in one minute,
http://cheap-health-insurance-usa.info/
Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company.
Best Wishes,
Chai Tea Offers Added Health Benefits
Chai tea is a centuries old tea that has been important in many cultures around the world. This rich black tea that is traditionally sweetened with milk and honey also includes various spices which add not only to its zesty taste but to its health benefits as well.
Made from a base of black tea, Chai is full of antioxidants from the tea leaves which help boost your immune system and prevent illness. As of late, all teas including black tea have been in the news for their significant health benefits. In fact, the National Cancer Center Research Institute in Tokyo has suggested that in the most practical method of preventing cancer may be drinking tea. studies have shown that drinking tea can lower instances of all types of cancer but is particularly helpful in inhibiting cancers of the esophagus and digestive system as well as long and breast cancer. Not only that but there is some evidence that drinking tea can help counteract some of the damage that chemotherapy does to your white blood cells.
Not only does Chai tea offer the health benefits that you get from the tea itself but the spices added have additional health benefits that you won’t find in other types of tea. some spices that are typically added include Cardamom, cinnamon, cloves, ginger, nutmeg and pepper.
Cinnamon is quickly becoming a favorite medicinal herb is it has many uses but perhaps the most important is that It stimulates other herbs which help them to heal you faster. It is said to lower blood pressure, reduced pains and fevers, relieve symptoms of indigestion, nausea, gas and heartburn and can also help with menstrual cramps. Incidentally, another spice in Chai tea – Cardamom helps relieve indigestion problems so if you’re having digestive problems, this tea may help.
Cloves are said to help invigorate the body and are reputed to be great at relieving flus and colds.
Ginger is a great medicinal herb that’s been used for thousands of years and is said to help fight off the common cold as well the flu and is particularly effective in strengthening and healing the respiratory and digestive systems. It is also said to help with cardiovascular health, heal ulcers and reduce fevers and body aches.
Nutmeg is said to to help keep the mucous membranes, particularly those in the throat, moist it is a great herb for anyone that has problems in this area.
Pepper, which might seem like an odd thing to have in a tea is another ingredient of Chai tea which helps stimulate the taste buds and is said to improve digestion. it has been used for ages to help prevent gas and has both antibacterial and antioxidant properties. It is a great herb for promoting a healthy digestive system.
So, you see, the next time you sit down for relaxing and tasty cup of chai tea you will not only be getting something delicious to drink but also helping to improve your health as well.
Lee Dobbins
http://www.articlesbase.com/non-fiction-articles/chai-tea-offers-added-health-benefits-86404.html
Short-Term Health Insurance – What are the Benefits?
So you’ve just graduated from college, don’t yet have a job and have just found out that you’re no longer covered under your parents’ health insurance plan. Maybe you’ve decided to leave your current job and look for a new one. Or perhaps you’ve found that perfect new job, but your new employer’s group health insurance plan is making you wait for three months before you’re eligible to use it. These are all certainly sound reasons to look into short-term individual health insurance in the state of Texas.
Short-term is as the name implies – health insurance that usually provides coverage from 30 to 180 days. There are some plans that will cover you initially for up to a year. And if your short-term need runs longer than the coverage, you may be able to renew the plan, but don’t count anything longer than 12 months.
Most short-term plans offer coverage in the event of an accident or a sudden illness. And like most health insurance plans, short-term plans may have benefit limits, which means you may be required to cover an initial deductible and make co-payments. With a short-term plan you’ll probably be allowed to choose your own doctors, hospitals, or other healthcare providers. You’ll get coverage for inpatient and outpatient services, hospital room – including intensive care unit – and board charges, lab examinations, and X rays.
These plans don’t usually require a physical exam, and your coverage begins as soon as the insurer receives your application and first premium payment. Applications can be mailed in or submitted online, and you can make payments using a check or credit card. Check with your provider for complete information on coverage and the application process.
Short-term health insurance plans also have a dark side. To keep the premiums down, these insurance plans don’t offer all of the benefits of permanent plans. Most short-term plans won’t cover treatment of pre-existing conditions, which is an illness or injury that has produced signs or symptoms, or for which you’ve received treatment for as long as the past five years. And short-term health insurance plans don’t cover routine medical exams, preventive care, dental or optical care, or pregnancy and childbirth expenses.
Short-term health insurance policies are exempt from the Health Insurance Portability and Accountability Act of 1996. That means that insurance carriers issuing these policies don’t have to guarantee policy renewability, and most don’t. You can think of short-term policies as “get better fast” plans, since coverage will only last a maximum of twelve months and renewals even within the twelve-month period are not guaranteed. Suppose, for instance, you buy an initial term of three months.
If you get injured or sick, the insurance company will not renew for additional terms. You may have substantial ongoing costs associated with the injury or sickness, but no coverage. Insurers who carry short-term plans also don’t have to waive any pre-existing condition limitations for individuals who are otherwise eligible for those waivers.
If you’re thinking about purchasing a short-term individual health insurance plan, you should consider the fact that your next employer may not offer a group plan and you may not remain in your next job for very long either. That’s why many people are choosing to purchase an individual health insurance plan that is portable from job to job and will cover periods of unemployment.
In many cases, people with an individual health insurance plan will also find that they are better off keeping their current individual plan and opting out of their employer’s group insurance plan, choosing to take an increased pay incentive instead.
Pat Carpenter
http://www.articlesbase.com/non-fiction-articles/shortterm-health-insurance-what-are-the-benefits-130616.html
Pssst – Want to Know a Secret That Banks and Car Insurance Companies Don’t Share With you
Pssst – Want To Know A Secret That Banks and Car Insurance Companies Don’t Share With You
Every single driver in the U.S. is required to have Car Insurance. And most of us drive around confident that we have adequate coverage to protect us should we ever be involved in an accident.
Yet, almost 97% of all drivers are not adequately protected….and don’t even know it. Here’s what I mean.
Let’s say you’re involved in an accident and it’s serious enough that the car is considered a “total loss” by your Insurance Company. Or, maybe your vehicle gets stolen. A few weeks later, you get a check from your Insurance Company.
When you look at the amount, you’re shocked. It’s thousands less than what you owe on your car. How can that be, you ask?
Well, like most, your policy has this short clause buried somewhere in all that legalese -
“In the event of a total loss, the policy holder will receive the actual cash value of the vehicle, minus any deductible.”
Did you catch the 3, very important words in that clause? The three words are – “actual cash value.”
Actual Cash Value means you’re going to get a get a check for….
“What it’s worth” not “What you owe.”
Isn’t that a nasty little surprise.
And like most, you owe quite a bit more than what the car or truck is worth. What would you owe your Bank or Credit Union if your car was totaled today?
So, how do you avoid this situation?
Well, when you buy a new or used vehicle, add a “rider” to your policy or purchase a separate “rider.”
If you have Homeowners or Rental insurance, a “rider” might sound familiar. For a homeowner’s policy, if you own expensive items, like fine jewelry, you need to add a rider to your policy. The reason – Insurance Companies won’t cover those types of items as part of a regular insurance policy.
So, you pay an extra $5 or $6 a month to have those items fully covered by the “rider.”
If anything ever happens to the jewelry, it gets replaced.
A rider for your car or truck is called GAP Insurance or GAP Protection. It’s just like the rider for your Home – except it’s only for cars, vans, trucks or suv’s.
It covers “What You Owe”, not “What its worth.”
It doesn’t matter what the reason is – if it’s ever totaled due to theft, fire, accident, flood, tornado, vandalism, hurricane, it’s covered – and paid-in-full!
You can protect yourself four different ways.
1. Put at least 20%-30% down on any new or used car purchase to erase any gap;
2. Purchase a “Rider” – AKA GAP Insurance from your Car Insurance Company or Bank;
3. Purchase Gap Insurance from another Insurance Company;
4. Buy Gap Insurance from the Dealership you’re buying at.
Any one of these options is great way to protect yourself. Whether you’re getting ready to purchase a new car or truck, or purchased a vehicle in the last 12 months, make sure the “gap” between what your vehicle is worth and what you owe is covered.
Tom O’leary
http://www.articlesbase.com/insurance-articles/pssst-want-to-know-a-secret-that-banks-and-car-insurance-companies-dont-share-with-you-133494.html
Individual Florida Health Insurance
Individual health insurance quotes are easily found on the Internet. The availability for instant quotes makes shopping for insurance much quicker and easier. In past years it would take upwards of three days to get accurate quotes for health insurance. It is now possible to obtain quotes from various insurance carriers with only one easy online application. This is a favorable concept, as many insurance carriers will be competing with each other for your business. Overall this intense competition will give you options for the best rates while increasing your benefits.
When comparing individual health insurance quotes in the marketplace it is very important that you are comparing plans that have similar policy benefits. It is sometimes a hard task to read between the lines and figure out what plans to compare. Be sure to contact an insurance agent on this matter, as many individuals when comparing health insurance quotes are not looking at comparable benefits for the price quoted. Make sure to examine the exclusions and limitations of a policy in great detail this would be the next step and most important item on your agenda. After choosing between a few carriers that you have been quoted get together with your insurance agent over the phone to discuss the exclusions and limitations of your potential health insurance policy. A policy may list all items included on a policy, but are not specific to the benefits that have limitations or are not covered. A limitation or exclusion list can be very general with terms and leave a great deal of room for interpretation. So when in doubt with your decision call your professional insurance agent to get more detail.
Find Individual Health Insurance Quotes Online
It is very important to have all questions that you have answered in full when comparing individual health insurance quotes. Many individuals in the marketplace looking for new coverage coming of a group sponsored coverage will be very surprised with the difference in cost to benefit upon speaking to there insurance professional. Very similar coverage is available when making the change from group to individual insurance. The major difference would be the simple fact that you are now paying one hundred percent of your premium with out a contribution from your employer. In most states employers by law are to pay at least fifty percent of the premiums total cost. When you start paying for your entire premium yourself it would make sense to consultant an agent. He would be able to let you know about the many alternative approaches to securing your family’s financial future.
Receiving individual health insurance quotes online does not obligate you to purchase or enroll in that policy. With most large insurance carriers the initial quote may change based on your medical history. Once you complete your application with your insurance professional or online through online submission of application it will be sent off into underwriting. In many cases the underwriting department will first look at your claims that have been made in the Medical Information Bureau or MIB report. If you are a fairly healthy individual they may just underwrite the policy based on previous claims made. Consult with insurance professional if you believe that any pre-existing conditions might affect the issuance of your policy. If they find in your claims that based on the state law for the company’s criteria for a pre-existing condition on of three issues will arise. Individual Health Insurance Quotes Will Differ
First, the company may deny coverage completely based on your medical history. Second, the company may give an increase in the rate to compensate for the pre-existing conditions. Third, the pre-existing will be excluded from coverage for an extended period of time. If there are no pre-existing issues, coverage and premium amounts are quick and easy to determine. Your rate should stay preferred to the insurance carrier with quick issuance. Once the insurance carrier has determined the final rate for the individual or family, it would be at the consumer’s discretion to carefully read the policy and get any questions they may have answered. Almost every major insurance carrier offering group coverage also offers individual health insurance quotes. Every state will vary in the offers and restrictions by insurance companies. Ask your insurance professional to obtain information that enables you to contact the state’s department of insurance for specific guidelines in your location. Some states limit a specified amount of time for pre-existing conditions while other states do not require carriers to offer any coverage for pre-existing.
Make Sure Your Family Is Covered
Individual health insurance quotes will differ according to age, gender, and geographic area. Some individual policies automatically include maternity benefits for females within a certain age span even if they do not desire or need the coverage. Other plans offer maternity only as an added benefit that you will be an additional premium for. An accurate quote is based on accurate information. It is important to provide all the information requested. Individual health insurance is one of the fastest growing areas of health insurance coverage. With the gap between jobs and the growing market of the self employed individual health insurance quotes are in demand. This puts the responsibility of providing health insurance coverage for the family on the individual. If you have difficulty finding coverage that fits your needs and budget give us a call. Every company has a little different view on insurability. If you are insurable we will find the product that meets expectations, try www.FloridaHealthInsuranceWeb.com for all of your individual health insurance needs today!
Individual Florida Health Insurance Consultants can help you!
Kirsten M. Portrie
http://www.articlesbase.com/insurance-articles/individual-florida-health-insurance-129530.html
Health Insurance Benefits: Provision for Risk
Are you one of those men who haven’t yet figured out the benefits health insurance brings to you? The following choice game will help you make up your mind. Either choose to pay small sums every month and be insured against any medical expenditure or bear the medical expenditure that emerges all of a sudden. The future is oblivious to all. The adage “prevention is better than cure” aptly embodies the theme of health insurance.
Health insurance benefits are many. Health insurance depicts a contractual relationship between an insurance company (called the insurer) and the insured. Under health insurance, the insurer agrees to indemnify or reimburse all health care costs incurred by the insured, for which the latter has to make a regular premium to the insurance company. If during the period of illness, there was any loss of income, health insurance also will compensate for this.
Health insurance is termed also as accident and sickness insurance, medical insurance. With health insurance, the insured is recompensed for all expenses made towards hospitalization, drugs and medicines, surgery, laboratory tests, physicians’ fees, X-rays, and other diagnostic procedures, radiation therapy, maternity and nursing care, eyeglasses, crutches, prostheses, etc. Thus, the greatest benefits of health insurance are brought about with the utility of time and provision for risk.
Health insurance can be classified into two classes- indemnity plans and managed care plans. The basic difference between the two is that while in indemnity plans the insured has the right to approach any doctor and get indemnified of all or a part of the medical expenses; in managed care plans, the insurance company will restrict the insured’s choice of doctors and hospitals. The insurance company has entered into an arrangement with select doctors and hospitals for the health care needs, and the insured is referred only to these.
It is not as important to decide which health insurance type one is going for; instead, the coverage of the health insurance must be carefully examined. By coverage is meant the various medical expenses that will be recompensed by the insurance company. The benefits of health insurance is very much dependant on the right cover that one is getting. A right health insurance cover will include:
The cost of hospital room and other minor costs must be included in the hospital expense insurance.
If you are undergoing surgery, the surgeon’s fees and other costs related to this surgery must be included in the surgical expense insurance.
Doctors charge fees for visiting hospital to see the insured. Such fees for doctor’s visit must be included in the physician’s expense insurance.
This is not an exhaustive list and by shopping carefully for health insurance benefits, one can get covered for prescription drugs, preventive care and many more. Shop for health insurance as an individual or take a group option. Carefully consider the benefits of each health insurance scheme before acceding to one.
Jenny Black
http://www.articlesbase.com/insurance-articles/health-insurance-benefits-provision-for-risk-69392.html
Texas Health Insurance Has Alternatives
People who have an employer sponsored health insurance plan in Texas and then lose their jobs do not have to go without health insurance. The bad news is that it will cost you more since your employer will not be covering part of it. Health insurance in Texas for people between jobs is covered by COBRA. COBRA stands for the Consolidated Omnibus Budget Reconciliation Act. This insurance is controlled federal government and must be offered to employees that lose their jobs so that they may have continuous coverage while they look for a new job.
Basically, the employee keeps their same insurance, but now has to pay the entire bill, whereas before the employer was paying half of it. With this health insurance in Texas you and your family remain covered while you are unemployed. COBRA can be used for up to18 months for the employee and 36 months for your spouse and children. Losing your job does not have to mean losing your insurance.
Insured persons are eligible for COBRA when they leave the employment of a company with more than 20 employees. If the employee is on disability and gets Medicare their spouse and children may still qualify for COBRA coverage. You must choose to extend your health care coverage with COBRA within 60 days of leaving your job or you will forfeit these benefits entirely. Those that opt for this health insurance in Texas will pay the entire insurance premium along with any additional fees.
Continuing your HMO health insurance coverage is an option when you choose COBRA after terminating your employment. You must check your policy and be sure to use only the doctors in your network or you may only get emergency treatment covered.
Texas has a law about health insurance coverage that calls for a continuance period which is usually about 6 months. This continuance period begins after the COBRA coverage ends. If you are eligible for the continuance, but prefer COBRA your coverage may last for up to 2 years.
According to Texas law most health insurance carriers must allow for a group continuance period for people who no longer qualify for the other plan. This applies to people who should have been covered under the group plan. When using this health insurance in Texas, the group insurance coverage continues as long as payment is made on time.
COBRA is not the only option for people who lose their jobs. Texas has what is known as the Health Pool. People who don’t qualify for new health insurance coverage due to a pre-existing condition may qualify for this kind of health insurance in Texas. This will allow for the most vital medical needs to be taken care of, although the coverage may not be as extensive as a regular health insurance plan. There are several factors that will determine whether you qualify for the Health Pool; Medicaid or Medicare: or perhaps using COBRA is the best option for you. You may wish to discuss your options with a social worker to see which would work for you.
Jordan FeRoss
http://www.articlesbase.com/finance-articles/texas-health-insurance-has-alternatives-708040.html