— Lynne (@EFSBenefits) July 6, 2019
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Saturday, 6 July 2019
Friday, 5 July 2019
Insurance Tips and trik auto insurance, auto insurance quotes, auto insurance companies, auto insurance florida, auto insurance quotes online, auto insurance america
Been meaning to do this for a while, but was challenged finding "just the right one."
People often ask me "how much life insurance do I really need?" I have a special form that I give these folks to do their own assessments (lest they think I'm "goosing" the numbers). But in this digital age, I realized that it may be preferable to offer an online tool, preferably one that keeps such information anonymized.
A friend suggested that I have a gander at the Life Happens site, and sure enough, there's a very nice, intuitive, anonymous widget that I think fits the bill quite nicely. Available now in the sidebar, under "Resources."
Check it out!
People often ask me "how much life insurance do I really need?" I have a special form that I give these folks to do their own assessments (lest they think I'm "goosing" the numbers). But in this digital age, I realized that it may be preferable to offer an online tool, preferably one that keeps such information anonymized.
A friend suggested that I have a gander at the Life Happens site, and sure enough, there's a very nice, intuitive, anonymous widget that I think fits the bill quite nicely. Available now in the sidebar, under "Resources."
Check it out!
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Thursday, 4 July 2019
Wednesday, 3 July 2019
Insurance Tips and trik auto insurance, auto insurance quotes, auto insurance companies, auto insurance florida, auto insurance quotes online, auto insurance america
That India had adopted the HMO model:
"An Indian man who had been declared dead woke up just before he was set to be buried during a funeral ceremony."
He'd apparently been in an accident and was taken off life support, "coincidentally only after the man’s family told the hospital that looked after him they no longer had the funds to pay for his care."
"Coincidentally."
Yeah, go with that.
"An Indian man who had been declared dead woke up just before he was set to be buried during a funeral ceremony."
He'd apparently been in an accident and was taken off life support, "coincidentally only after the man’s family told the hospital that looked after him they no longer had the funds to pay for his care."
"Coincidentally."
Yeah, go with that.
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Insurance Tips and trik auto insurance, auto insurance quotes, auto insurance companies, auto insurance florida, auto insurance quotes online, auto insurance america
Co-blogger Bob offers a poser:
"Unusual situation referred to me by agent in another state.
Mother-in-law relocated to Atlanta from Pakistan. Green card holder, age 71. Health status unknown (didn't ask). Looking at possible options. Coming up empty or "are you kidding".
■ Medicaid - possibly the best option depending on how they define household income.
■ Obamacare - I assume she can qualify but no subsidy. Outrageous premiums and OOP
■ International travel medical - pre-ex snake pit
■ Health share ministry - must be Christian? Other religious affinity including Muslim? Pre-ex? Not readily accepted by docs/hospitals since no guarantee of payment. HSM is a very remote possibility but want to throw that out as an option."
I checked the 404Care.gov site, and was surprised to learn that "Gained citizenship or lawful presence in the U.S." triggers a Special Open Enrollment opportunity.
So, armed with her new zip code, I went plan shopping. The least expensive option was a Bronze level Blue Cross plan with a $6,750 deductible and a $740 a month price tag.
The advantage, though, is that it's guaranteed issue and pre-existing conditions are covered right away.
Since we don't know her health status, it's impossible to determine whether or not other non-Medicaid options would work (since they all have either underwriting, or pre-existing conditions limitations, or both).
I also thought about "Dave's Plan," but the age cut-off for that is 64½.
Alas and alack.
So, suggestions welcome.
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Tuesday, 2 July 2019
Insurance Tips and trik auto insurance, auto insurance quotes, auto insurance companies, auto insurance florida, auto insurance quotes online, auto insurance america
■ Item #1:
"Medtronic recalls MiniMed insulin pumps as FDA warns about hacking risk"
This is a major issue with the whole Internet of Things phenom. The danger, of course, is not just the threat of ransomware 'per se,' but that actual lives could be put at risk.
#ScaryTech
This is a major issue with the whole Internet of Things phenom. The danger, of course, is not just the threat of ransomware 'per se,' but that actual lives could be put at risk.
#ScaryTech
■ Item #2:
We haven't heard from our friends at the MVNHS© lately, let's correct that, shall we:
"NHS beds crisis 'critical' as more sick Brits left stranded in hospital corridors last month than at the height of winter"
Which is even *more* alarming is that the stated goal is to have no more than 85% of available beds occupied.
#GoodLuckWithThat
"NHS beds crisis 'critical' as more sick Brits left stranded in hospital corridors last month than at the height of winter"
Which is even *more* alarming is that the stated goal is to have no more than 85% of available beds occupied.
#GoodLuckWithThat
■ Item #3:
So-called "balance billing" (aka "surprise billing") is nothing new to regular readers:
"These hidden providers are like gunslingers in the wild west. They are not beholding to any rules and are free to charge whatever they want. If you don't pay they can ruin your credit and there is little you can do about it other than pay up."
The problem has only gotten worse over time, and there are all kinds of ideas being proposed to try to rein it in (including forcing out-of-network providers to accept in-network pricing). Some folks even think t should be illegal to engage in the practice.
But what about the other side of the coin?
Former Solicitor General Paul Clement makes the legal case for balance billing:
"The ability to refuse to accept an insurance plan is what gives doctors leverage when negotiating their rates ... [which] would likely violate the First Amendment's guaranteed freedom to assemble, as well as the Fifth Amendment's protection against government "takings"
"These hidden providers are like gunslingers in the wild west. They are not beholding to any rules and are free to charge whatever they want. If you don't pay they can ruin your credit and there is little you can do about it other than pay up."
The problem has only gotten worse over time, and there are all kinds of ideas being proposed to try to rein it in (including forcing out-of-network providers to accept in-network pricing). Some folks even think t should be illegal to engage in the practice.
But what about the other side of the coin?
Former Solicitor General Paul Clement makes the legal case for balance billing:
"The ability to refuse to accept an insurance plan is what gives doctors leverage when negotiating their rates ... [which] would likely violate the First Amendment's guaranteed freedom to assemble, as well as the Fifth Amendment's protection against government "takings"
#13A
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Monday, 1 July 2019
Insurance Tips and trik auto insurance, auto insurance quotes, auto insurance companies, auto insurance florida, auto insurance quotes online, auto insurance america
How many times are we told to "read the fine print" versus how many times we actually do?
Well, here's a case where someone did, and it paid off bigly:
Which turned out to be quite providential:
"We estimate that less than 1 percent of travelers that purchase a travel insurance policy actually read all of their policy information — and we’re working to change that.”
That's nice, but how, exactly?
So glad you asked:
"[T]he first person to email the company and mention the fine-print contest [will] win $10,000."
And so she did, and so she did.
Mazel tov!
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