I dont know how you guys can get such a great deal on condo insurance…but I am so glad you do. You saved me well over 45% on my current condo insurance premiums.

What really gets me is the policy you guys got me was with a better company than what I previously had…and I was paying MUCH more for it.

Dan, Houston TX

Thanks Dan, We have special arrangement with agents looking to sell their condo insurance at a discounted price to get new customers. I am glad you were able to reap the benefits of our hard work.

Free NO OBLIGATION renters and condo insurance from the form above!

Thank you Thank you Thank you! I was getting jacked around every where for renters insurance. I thought it was something simple to buy…but I was wrong. There are soo many loopholes for the insurance company to deny your claim. Thank you so much for the free quote.

I was able to get really good renters insurance coverage for my condo for less than $180 a year. WOW!

Janice, Flint MI

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Comment: I think this is a super question to inquire about your teen driver. At 17 years of age this teenage driver can not legally enter a contract since they are not considered an adult. I would assume that most teenage drivers would be considered “safe” drivers they are still not old enough to sign the insurance contract.

I would also assume that most insurance companies would require a parent and or a legal gaurdian to sign the contract and to be financially responsible for the vehicle and the driver’s actions.

I would start off your investigation by making a few phone calls the local insurance carriers in your area and get their opinion on this question.

I really do not see why you could not get decent coverage for your teen driver, but a better question might be are you going to be able to afford this type of coverage?

You might also want to contact the Dallas car insurance bureau or DMV to ask them if there are any restrictions for obtaining Dallas auto insurance in your area or specific situation.

I think this is a super question to inquire about your teen driver. At 17 years of age this teenage beginner driver, can’t legally enter a binding contract since they are not considered an adult. I would also guess that most teenage drivers would be considered “good” drivers they are still not old enough to sign on the dotted line of the contract.

I would also assume that most vehicle insurance agencies would also require a parent and or a legal gaurdian to sign the contract and to be financially responsible.

You might want to start off your investigation by making a few phone calls the local insurance carriers in your immediate area and get their opinion on this question.

But I really do not see why you couldn’t get coverage for your teen driver. A better question to ask my be are you going to be able to afford this type of coverage?

You might also want to contact the Atlanta GA car insurance bureau or DMV to ask them if there are any restrictions for obtaining car insurance in Georgia.

What’s the deal with those discount health insurance cards?

Martha

Great question.

Discount medical health insurance cards claim to be a great alternative for people who don’t have the money to be able to afford insurance. For that very reason, they may be a little attractive at first, especially to any of the millions of uninsured who have no other option. It would be a great idea to offer low cost health insurance to those who fall through the gap between government aid and medical self sufficiency. However, upon closer look, this discount medical health insurance cards aren’t all that they’re cracked up to be.

The business of discount health cards is growing fast, and many health insurance companies are now offering them as an affordable alternative to full on health insurance plans. What they do is give the card holder discounts on things like doctor appointments, hospital visits, and prescriptions. In some cases, they may be the only option for someone who can’t afford health insurance, and thus it won’t matter that that person is still footing the whole medical bill, just with a slight discount. However, for those who feel the need to avail themselves of this option, an eye should be kept out for the many cards that are fraudulent.

Many sellers of these fraudulent discount cards make it look like the cards are actual health insurance, when they aren’t. They are not regulated, and there’s no way to protect yourself as a consumer if you get one of these cards. Even the more normally legitimate businesses that offer the cards tend to make it look like the savings and discounts that you get from them are much more than they actually are. If you fall for this, you could end up paying more for a card every month than it’s saving you money.

Even if the discounts they promise are technically on the card, a lot of times there will be a bunch of under the table fees that will take those away, so that in the end the only thing that this card you have will be is a piece of useless plastic. It can have the effect of making some people who can barely afford their health insurance plan exchange it for a card, convinced by the companies that it is an actual health insurance plan, only to find themselves paying all of their medical bills.

There are many of these companies out there who are trying to steal your money without actually giving you anything in return. One company has already charged unwilling customers for cards that they never wanted, fraudulently using their credit card numbers.

Cheers,

Fashun Guadarrama.

If you get group health insurance with your employer, usually you’ll get an option of what kind of plan you want, and the type you choose will determine both how much freedom you have in determining your health care path, and how much you will be paying for your monthly premium. Figuring out whether you should opt for more expense with freedom or cheaper premiums with lots of restrictions is difficult, so here’s some points to follow.

• Network. Deciding between a plan where you are required to stick to a network of physicians or going with a different plan can often be determined just by seeing what the selection offered by the plan’s network is. Research into a few of the doctors and make sure they give quality care, ask other patients about them, and so on. You may have a family doctor that you’re attached to and should choose a more flexible plan if you want to keep going to that doctor.
• Travel. Are the doctors in the network within good distance of your home and office? Do you have options if you have an emergency and have to go to the nearest place? What happens if you get sick or injured while you are traveling?
• Price. Lucky for you, as someone who has group health insurance through their employer, your boss will be picking up part of the tab. Still, you should find out the details about what exactly your company will pay and what will be left over to you, as well as asking questions about co pays and prescriptions and the like.
• Freedom. Do like to pick your doctor or save your money? Usually, employer sponsored health insurance will require you to stay within a network, but often there are more expensive options for going out of the network.
• Think ahead. You may be a healthy bachelor right now with a health care plan that fits you, but what about down the line? If you get married and start a family, will your insurance cover your spouse and children? Pregnancy? Retirement? What about huge things such as surgery or treatments if something happens in the future that you can’t foresee? If such things are covered, are they covered immediately, or do you have to wait until the end of the year for your company’s enrollment?
• Coverage. Does your health plan cover preventive care? What about physicals and dental appointments? Prescriptions? Ambulance and ER visits?
• Extras. These are the things that not all health care plans provide for, but you might need in the future. Lots of plans don’t cover mental health care, but do you need it? What about family planning, such as abortion or infertility treatments? Chiropractics?
• Pre existing conditions. This might be one of the biggest things that you need to worry about if you have one and need to get good health care coverage.
• Coverage caps. Health insurance plans do not provide you with infinite coverage. Often, they’ll set a certain amount that they can pay out through your plan over a year or a lifetime. You should make sure that this is a decent amount so that, even if you end up with some huge medical bills, you will come out okay. Many employers will offer health savings account to help their employees avoid problems with these caps.
• Claims and complaints. One of the most important things to getting a good experience out of your health insurance plan is being able to have a voice in your coverage. You should be able to complain and be listened to. You should be able to fight against claims being rejected or being reimbursed for too little.

Cheers,

Fashun Guadarrama.

It is true that of the many Americans today that don’t have health insurance, many actually can’t afford any. However, there are also many of that number who don’t have health insurance because of misconceptions about insurance and the health care system. A lot of people don’t get health insurance because they think it costs too much, and, besides, they’re in perfect health. What they don’t realize is that some of the most expensive health care bills and some of the highest numbers in medical debt are billed to people who were otherwise in perfect health but were victims of bad luck or tragedy.

The first law of health insurance is that no matter what, it’s always more expensive to be uninsured. People who don’t have health insurance and then find themselves in something as simple as a small car accident can go through their savings, ruin their credit, and fall into huge debt. Even a minor ER visit can cost five hundred dollars.

If you can get insurance through your job, do it! It’s always cheaper, especially if you have previous medical problems that would make it hard for you to get medical insurance through anywhere else. Your employer foots part of the bill and you often get a choice of plans. And when you have a choice, compare, compare, compare. It’s frustrating and time consuming, but it’s the only way to save money and figure out what’s best for you.

Even when you find a plan that looks pretty cheap, cheap isn’t always best. The real deal breaker should be value. You don’t want simply the cheapest premium. You want the cheapest premium with the best coverage. This might be a little higher than that great quote you got, but it will save you more money down the line. Even if you do get a plan with great coverage though, remember that some expenses still fall through the gap. Things like mental health care and prescription drugs are the areas where even the best plans have little to no coverage.

As you were taught in history class, freedom ain’t free. The more flexibility that your health care plan gives you, the higher your premium will be. So it is up to you to decide what is more important to you: deciding who you go to for health care, or paying less on your premium. Less freedom of choice among health providers isn’t necessarily bad, so long as the physicians in the network are quality. And you can research a plan’s network before you sign up for it. Maybe not through the company itself, but there are a lot of sources online or off where you can find out about a certain plan’s track record.

One thing that might worry some people who are using employer based insurance is where they would be if they lost their job. Lucky for them, you don’t lose your health insurance when you lose your job. The government provides you with COBRA for a period of time after you lose your job. It can be more expensive, but it’s better than nothing and can ease a lot of minds.

Cheers,

Fashun Guadarrama.

I’m going on spring break this spring. Normally I’m insured through my school, but do I need a different health insurance for this?

July

Depends.

I think the first step for you would be to ask your school’s health insurance provider what their rules are for traveling while insured. Most school plans will at least cover you if you go home over break or during the summer. It depends on the school, but that might cover you regardless of where in the country you go. However, if you plan on traveling outside of the country for spring break, then that is a whole other story.

A lot of insurance companies for travel health insurance have certain plans for young people every year around the time for spring break. There’s nothing exactly for college and university students, usually, but a lot of times the plans are offered for people under thirty. One extremely cheap options is from Travel Guard Insurance, which has a program for people in their twenties and under which can cost from $29 on up for every trip. The cost of the insurance is dependent on the cost of the trip, but you only pay one time per trip.

One travel health insurance plan that might be particularly appealing to young people traveling during spring break, or even for any other break, is the Lifeguard plan offered by Champion health insurance. This costs about $47 for a trip averaging around fifteen days in length, and if you plan on doing anything risky, such as white water rafting or mountain climbing, you can add on a high risk provision for 15% more, averaging at $54. Champion’s CEO states that his company wants to raise awareness of the need for travel insurance when going on vacations or any other trek out of the country, because many people aren’t aware of not being covered while traveling.

There are a bunch of things that you will need from a travel insurance company that are usually offered. This things include provisions for if your trip ends up being cancelled midway, emergencies, delays in your travel plans, and losing your things through the airport. You might figure that coverage isn’t necessary, but you never know what you will need. Your insurance company should also have a all day all night help line which you can call from anywhere in the world to ask questions about your coverage.

If you get travel insurance, you should make sure that you are covered for being transported back to the U.S. in the case of your death. It’s not something you want to think about, but it’s always a possibility, and no one knows when they’re going to die. If you die in another country, they have no obligation to follow the traditions of your country or to send you back, and transporting a body can be expensive.

Most of all, just make sure that you make yourself safe for your trip, know where to go for medical help wherever you are at, and have fun!

Cheers,

Fashun Guadarrama.

We’ve just started making enough money so that we can seriously think about taking vacations every year. We’re planning the first one now (way ahead of time), and we’re trying to make sure that we do everything right, because we want to travel internationally and we’ve never been out of the country before. What should we plan for with international health insurance?

Mike & Susanne

Great question.

Everybody knows that they should have health insurance at home just in case something happens, and it doesn’t make sense that there are people who don’t think the same for international travel health insurance. It’s much easier to get into trouble when you’re in a place that you’re completely unfamiliar with. What if you end up driving in England? Accidents would be more likely while you’re getting used to their different driving styles. Getting a travel health insurance plan is extremely important, even if you will only be gone for a short amount of time. Here are some tips.

• MEDICAL EVACUATION.

This is one of the most important features for your international health insurance plan to have. If you just stuck with your regular health insurance plan, then you might get at most $1k for medical transportation, which is great at home, considering that an ambulance usually costs around five hundred dollars. However, if you travel outside of the country, one thousand dollars won’t life light you home, so you’ll need a much higher cap for a travel plan.

There are so many cases where Americans will go to a country and get injured or sick, only to arrive at an out of the way local hospital where their needs might not be met. These customers will then have to be transported via helicopter to a hospital more up on Western medicine, and those costs can come up to as much as $50,000–just for the flight!

You might think insurance isn’t necessary when you go on a cruise, but it’s the most important time to get it, especially medical evac coverage. If you’re on a ship, it costs more to get a flight, and the distance will most likely be longer since in most cases you will be being transported back to the states.

• Expect the unexpected.

I think it’s wonderful that the two of you are planning your trip so thoroughly, but there may be one aspect of planning that you’re missing: the possibility of cancellation or delay of your vacation. You might have your insurance, have your bags packed, your tickets paid, your hotel room reserved and everything, only to come down extremely sick the night before you leave. No one wants to go on vacation with a fever, so this can throw all the plans down the drain, especially it comes during that short one week vacation that you only get one time a year.

That’s why you need trip cancellation or interruption insurance. If you get this, then if something comes up so that you don’t get to go on your vacation, the insurance company will pay for any of those tickets, reservations, and so on that you can’t get your money back for. Same goes for if you have to end up coming home early.

• Terrorism.

It’s no fun to think about all of this stuff when you’re planning an exciting trip, but terrorism is becoming more and more prevalent, even in what are considered the safest areas. There have been many acts of terrorism even in Switzerland, where the crime rates are incredibly low. So anywhere you go, there is the possibility, just as there is if you stay at home.

Normally you can get your expenses reimbursed if the U.S. State Department hands out a warning about your destination country due to terrorist activity. You can also usually get your money back if an act of terrorism has been perpetrated in your country or city (depending on the insurance company) of destination within thirty days of your trip.

• Have fun!

The most important thing about your trip is to have a good time. Having international health insurance will make this easier, making you more secure while you’re away from home and able to know that your health is in good hands. Getting with a company that has a twenty four hour customer service line is the best way to keep yourself happy and comfortable with your plan while you are enjoying your trip.

Cheers,

Fashun Guadarrama.

The program is called CAM, which stands for complementary and alternative medicine, and it is slated to start on the first of January. The problem that many consumers might find with it is that it is not an actual part of the coverage of their health insurance plan. Rather, it is separate, set up as a discount health insurance card. This does make things easier, as it means claims and referrals won’t be necessary like they usually are, though.

While the actual Blue Cross discount card is cheaper to begin with, it costs more than your usual health care plan if you have to end up using it. You pay the chiropractor or the practitioner of whatever type of alternative treatment you are getting, and the card is only responsible for giving you a discount. While it is a big discount, at twenty five percent, that is only the case if you work within the network that Blue Cross has chosen.

More and more people are becoming interested in alternative forms of health care, and Blue Cross is just the first health insurance company to have buckled under the weight of demands for coverage for this type of treatment. For those who cannot afford any other kind of health insurance, it might be a good start on getting some medical care, considering the lower costs.

Blue Cross is putting itself forward to help current and potential customers understand the program by providing them with a website called Healthy Roads. The website is still in its early stages, but it contains a load of information about different types of alternative health care. It also has a directory of alternative care providers who are part of Blue Cross’s program, and a bunch of products that might appeal to people interested in alternative health care. It’s a great source of information, even for those who do not have a Blue Cross Blue Shield health insurance plan.

Cheers,

Fashun Guadarrama.