Choosing Your Life Insurance Quote: Life Insurance review

Choosing Your Life Insurance Quote
by Mike Armstrong
Life insurance companies have been on an increase recently. This demonstrates the willingness for people to buy life insurance policies. This can also mean that getting a life insurance quote may not be as tricky as before. With lots of insurance companies on the market, obtaining a cheap life insurance quote may no longer be hard. With the advent of the Internet, many businesses have set themselves online. So, with good research, you can come across a life insurance quote which will suit you best.Furthermore, the web can help you make precise decisions about the type of life insurance that you need. Hence, it can provide you with the most appropriate life insurance quote. Using the Internet to search for a life insurance quote can help you in a number of ways. Firstly, you can compare a life insurance quote from a company with that of another one at a glance. Secondly, you can even buy your life insurance policy online if you wish. However, it could be better to meet with an advisor to discuss about the life insurance quote and the overall policy. The life insurance advisor can outline the policy you have chosen by explaining you how it will operate.Besides, do not be always hasty in making a decision when you come across a cheap life insurance quote. You should know that these days you may not get something of quality for a low price. So, be realistic when you see a low price tagged life insurance quote. Instead, you can search about all the reputed insurance companies and request a life insurance quote from them. After comparison, you will most certainly be aware about the range of prices that are prevailing on the market. With this done, you can restrict yourself from getting fooled by a life insurance quote that you have found while searching the Internet.Moreover, after consulting your life insurance quote and making a decision about the company you would choose, it is vital to look at your policy documents. The policy documents would reveal facts that cannot be found on your life insurance quote. For example, the premium payment for a policy of 20 years can be lower than one with a 10 years term. Having a cheap life insurance quote can as well depend on your sex, age and health status. If you smoke you would be classified as a high risk and your premiums would increase. So, if you really want an affordable life insurance quote, you have to avoid smoking.Many insurance companies in the UK and around the world are willing to provide you with a free life insurance quote. As said, you only need to find the right insurance firm to obtain the right life insurance quote. But you cannot complain about high premiums if you are a risk taker. For instance, if your hobby is skydiving, your premiums may normally be high and your life insurance quote will also let you read the same.
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Consider Short Term Major Medical Insurance In The Us : Health insurance Healthy care review

Consider Short Term Major Medical Insurance In The Us
by Peter Kingston

What is Short Term Medical Insurance
Short term medical insurance is temporary medical insurance and is designed for people who are in between permanent health plans. Short term medical insurance in the US is available and ideal for those who are unemployed, between jobs, have just finished college and waiting for that perfect job, retired or an alternative to COBRA. There are many health insurance companies that provide this type of medical coverage. This medical insurance plan provides many insurance benefits while keeping the premiums reasonably competitive.
Here are the following people who can apply under the various plans of Short term medical insurance
* Those who are 65 years of age or younger and are not eligible for Medicare. Both the person and their spouse are eligible under the scheme.
* Children who are aged between 2 - 18 years of age and are dependent are also eligible.
* Those who are full time students and are below 25 years of age
* Children who are of 19 years and above but are dependent on their parents are also eligible but should apply separately.
Dollar Value Benefits
The benefits are provided per person insured up to 2 million and the deductible amounts can vary from $250, $500, $1000 and $2500. These benefits will accrue to the person after the deductibles are completed. The Short term medical insurance companies normally provide for a 50/50 copay plan (you pay half, your insurer pays half) or an 80/20 plan where the insurance company pays 80% of the cost and you pay 20%. These plans do not cover preventive care, routine medical exams, or pre-existing medical conditions
Since the plans offered under Short term medical insurance in the US are not HMOs or PPOs, the insured can choose any doctor or any preferred network. Short term medical insurance in the US is given for a very short time period, although these policies can normally be renewed after the expiration date. Any condition that occurs during this period is treated as a pre existing condition during the coverage of the renewed insurance policy. Those who are over 64 years of age and wish to get a renewal will not be eligible for a renewal under the Short term medical policy.
Exclusions For Pre Existing Conditions
The maximum coverage limit for the Short term medical insurance is generally 2 million dollars per person. There is no coverage for pre existing conditions, work related conditions and preventive care. These are taken as pre existing conditions under short term medical insurance. These conditions will not be covered by the plan. In the event that such conditions that arise, a supplemental insurance coverage should be considered. . Ask your insurance broker or insurance adviser for your alternatives.
Very simple to apply
Applying for short term medical insurance is very simple. After answering a few simple questions, make the payment, fill out the form and send it to the company. Make sure that the plan you select is available in your state prior to sending the payment. If a person is not fully satisfied with the plan coverage, then the certificate of insurance can be returned within 30 days and the full premium should be refunded less any administration charges.
Save Money
To save money on these plans you can increase your deductible (the amount you pay on a claim before the insurance company pays), or choose a lower copay for example the 50-50 instead of the typical 80-20 plan.

Beating the High Cost of Health Insurance : Health insurance Healthy care review 2008

Beating the High Cost of Health Insurance

by John Davis Jr.

Americans don't need insurance. There, I said it. To those of you who don't yet think I'm a lunatic, allow me to explain my viewpoint: Here in our country, we have become attached to the notion that work means health care benefits. If we want to pay only $15 or so when we visit the doctor, then in our mind, we feel we must have a job with a great health plan, otherwise, we're out of luck.
The farce here is, in all honesty, citizens of the United States have another, better alternative to the massive paperwork and bureaucracy that our insurance system breeds. The solution? Consumer-driven health discount programs. Some of you right now are scratching your heads as I did when I first heard of the concept, but stay with me.
Here's how the whole thing works - discount program companies offer a flat, per-month fee, usually about $20, and in return, patients can then go to a doctor, order pharmaceuticals, visit the dentist, or even get adjusted at a chiropractor for a drastically reduced price. What's more, certain facilities like MRI scanning and radiological institutes are often included, depending on the services covered by the program.
So what makes a discount program any better than insurance, one might ask? Calculate how much is taken from your paycheck for health, dental, and other coverage for just a second, and I am willing to wager that a measly $20 per month will sound pretty great. That is, unless you're one of the millions in our country who is doing without any kind of health or dental care because you feel you can't afford it. If that's the case, $20 per month will sound heavenly in exchange for fillings, cheaper medications, and even the occasional back adjustment.
Why, then, are millions still having money taken from their paychecks for health insurance that may or may not cover them in a time of need? Simple: the discount card program is still relatively new, having been brought about in the nineties, and it has been slow to travel by word of mouth and other discreet forms of advertising. Now, however, you know the secret, and it's up to you to use it.
How? One route is by contacting a discount program broker (you're in luck, as I am one). He or she can direct you to the right place to get qualified and get in the program pronto. There's no sense in paying hundreds and even thousands into a money-making machine that is obsolete, antiquated, and in most cases, broken. Use your best consumer brain, and make the right choice. Taking our country's health care back from the insurance companies and away from fat-cat bosses will forever revolutionize the way America provides for its citizens. Will you be the one to stay and watch from behind, or will you join us? I leave the decision with you, dear reader.

Most Important Tips for getting Arizona health insurance quote

Most Important Tips for getting Arizona health insurance quote
by Rahul Gupta
Getting Arizona health insurance quotes is very easy irrespective of location. This has become easy because of online websites that get quotes for you in few minutes and is free of cost. There has been a huge surge in the number of people in Arizona looking for health insurance. This article will help them to get a good and low cost health insurance coverage.
Lets go through three easy yet important tips that you need to be aware of that can lower your health insurance premium by almost 30%
1. Before you decide on contacting some broker to get an affordable health insurance quote for you, spend sometime and decide what kind of arizona health insurance coverage are you looking for. This is simple but very important. Decide what all benefits that you want. Do you want travel insurance? Do you want HMO? Do you want dental coverage? What is the maxium deductible you are ready to pay? What about Copay? etc.
The details for all these questions will help you in better prepared when you actually start inquiring for health insurance quotes in Arizona and you will not get confused when you are asked to provide information on these points.
2. Understand your health condition. Understand what is your doctor visiting trend. If you are in better health and don't visit doctor too often, you can consider paying high deductible and high copay. This will keep your premiums lower. In Arizona, by having a higher deductible, you can save as much as $500 per person on yearly health insurance premium.
3.This is the most important Tip!! Get quotes from multiple insurance carriers. And like I mentioned earlier, this is very easy online using Internet.
There are some good websites where you can get quotes from multiple health insurance companies in Arizona for free. The entire process doesn't take more than 5 min. All you have to do is provide your basic information such as city in Arizona where you stay, age, gender etc. For more information on how you can get free health insurance quote in Arizona, read the article at -
http://healthinsuranceace.com/free-online-health-insurance-quote.html
You may be amazed to find that for same policy and benefits, the difference in premium asked by two insurance companies can be as much as $350 per month per person. Just imagine how much you can save!!
If you are choosing to go to a broker, then also I suggest you to get these free quotes so that you have an idea how much is it going to cost you. This will ensure that your broker doesn't take you for a ride!
Like I mentioned, the above mentioned tips are very straightforward to implement. Follow these suggestions and you will find that you can save a lot of money on your next health insurance quote in Arizona.

When You Need Short Term Health Insurance : Health insurance review 2008

When You Need Short Term Health Insurance
by Earl Cronin

Do you know how valuable health insurance can be? Are you aware of how much trouble you will be saving yourself from if you get an insurance plan today? Having health insurance means that your insurance company will be helping you pay for some of the expenses you may incur when you require medical attention. Some insurance plans take care of your hospitalization, your treatments, and also the medicines you will need.
Other health insurance plans cover for a certain amount, so you can go for regular doctor visits and checkups. If you will require tests as instructed by your doctor, health insurance should help you out. One of the benefits that working individuals receive from their employers is insurance. Most companies include their employees under a group health insurance plan.
What if you are unemployed, or if you recently resigned from your company? Will you still be insured? Unfortunately, you will not be included under the group health insurance plan as mentioned before. Of course, you will still need to be insured, because you can never tell when you might be in need of medical help. Then it is about time that you get short term health insurance for yourself.
Also, if you were a student, and you have been under a student health insurance plan during your four years in college or in the university, you will also need short term health insurance. When is this required of students? Some student insurance policies only cover the amount of time they spend in the academic institution, or a short period after they graduate. When this student graduates, and he or she is still looking for a job, he or she might not be covered under student insurance anymore. He will then need short term health insurance as well.
Short term health insurance is a very flexible policy to apply for, because you can determine the terms of your plan, may it be for a few months up to a year. Employees who are on strike from their company might also need short term health insurance, aside from graduated students or resigned employees.
Short term health plans are often geared toward the more healthy, and with a higher deductible you might find it useful in providing piece of mind during times when you're between employer sponsored health plans. People not on the top end of the healthy spectrum might find it more difficult to find coverage, or to afford it if a carrier is willing to offer a policy.
Many people find short term health insurance to be a less expensive alternative to COBRA when they are between jobs. It is always a great idea to do comparison shopping and do a side-by-side evaluation of your COBRA policy with a short term health policy. One of the more noticeable differences in the coverage is the deductible, which is often significantly higher for the short term health plan, so people between jobs often consider the short term policy as a means to save money but still be covered in case of a major medical event.

Drug Rehab Costs Are Chump Change Compared To the $Billions Big Pharma Spends On Marketing : Alcohol rehab Drug rehab review 2008

Drug Rehab Costs Are Chump Change Compared To the $Billions Big Pharma Spends On Marketing
by Rod MacTaggart

Big Pharma is spending almost twice as much money on promotion as it does on research and development of new drugs - contrary to what they say. And the effects of all this promotion can be seen across the country where tens of thousands of prescription drug problems are treated at drug detox and drug rehab centers.
In 2004, according to researchers at Canada's York University, Big Pharma spent nearly 25% of their $235.4 billion in sales, or about $60 billion, promoting its drugs - and that's probably an underestimate, the researchers said. But in spite of the industry's claims that research and development far exceeds all other costs, R&D expenditures were only 13.4%. The relentless marketing of drugs to the public as well as to doctors can't help but be a factor in the soaring rates of prescription drug addictions and numbers of people requiring prescription drug detox and drug rehab.
Because of the endless television, print, radio and internet advertising, prescription drugs have become a way of life for most Americans. But Big Pharma's promo costs are not just for advertising, they also include many other promotion activities. For example, Big Pharma promotes its brands directly to individual doctors in the hope their drug will be prescribed over another company's drug. The industry averaged $61,000 per doctor promoting its drug brands to physicians across the country in 2004, the study said. Yet doctors and medical staffs can have trouble keeping up with all the drugs, according to articles in medical journals, causing mistakes such as wrong drug combinations, overdoses, and even addictions that result in patients becoming dependent or addicted and needing drug detox or drug rehab.
The authors limited their study to the United States because it is the only country for which sufficient information is available. The US is the world's largest market for pharmaceuticals, representing 43% of global sales and promotion expenditures. With over 22 million prescription drug abusers, according to the Centers for Disease Control, America also probably has the most prescription drug deaths, addictions and prescription drug rehab treatments in the world. As for why our health care costs are also the highest in the world, one need look no further for at least one of those reasons: Big Pharma passes along its promotional costs to us in the price of its drugs.
The study claims that Big Pharma is market-driven, far from the research-driven, life-saving health-care industry it claims to be. But of course, we already know that by the increasing numbers of injuries and deaths caused by prescription drugs, and the sky-rocketing number of people needing a prescription drug rehab program.

Drug Free Rehab vs. Medication As A Drug Rehab : Alcohol rehab Drug rehab review 2008 treatment

Drug Free Rehab vs. Medication As A Drug Rehab
by Lora French

I do not understand western medicine's fascination with medication. It seems these days that everyone is searching for a pill that will be the answer to all of their ailments. Take this pill for that. Take that pill for this. Research which drug will cure this or aid with that. It simply goes on and on. We have become a medicated nation.
I am baffled by this when we see the consequences of drug addiction in our communities. We think our problems with addiction will be solved if only we can get a handle on the meth problem or the heroin problem or the marijuana problem. We can't see that many of the medications that are being handed by our doctors and pharmacies can be just has destructive as so-called street drugs. What's frightening to me is that we are trying to solve the drug addiction problem in our country by creating new drugs that these drug addicts can take to cure their drug addiction.

Does this faulty thinking make any sense? Are more drugs truly the only way to handle a drug addict's drug problem? Why can't we provide those suffering from addiction with a comprehensive drug free rehab program? Yes, I said it. Drug-free. This means skip the methadone clinic. Skip the Subaxone. Skip the anti-depressants. Skip the quick fix.

The cover story for the July 16, 2007 issue of Time Magazine delves into the nature of addiction and how "new brain research is helping us understand why we get hooked." The researchers involved use addicts' brains to "design new drugs that are showing promise in cutting off the craving that drives an addict irresistibly toward relapse." Great! Right? If an addict just didn't crave the drug, he would be fine.Partially, yes. But there is so much more to what causes an individual to get hooked on drugs. There are always underlying issues that the once sober individual is trying to escape. Giving an addict a drug to stop the craving only addresses a part of the problem. There must be drug free ways to reduce the cravings an addict experiences and provide a complete drug free rehab for the drug addict.

Holistic approaches to drug addiction have been developed and have been proven to work. One such program, the New Life Detoxification program offered at Narconon Vista Bay, truly addresses the cravings an addict experiences by cleansing the body of drug residues in a drug free setting, using vitamins and a sauna program at its base. The end result is that the cravings for drugs have disappeared. However, the program also addresses the underlying causes for the addiction in the first place. None of these wonder drugs for addiction deal with the root causes, which in all honesty, makes me question the motivation behind developing these types of drugs.

Who profits from these wonder drugs? Is it the drug addict who now has to support his new habit? What happens to this addict when he can't afford to get his medication? Will he return to using the bad street drugs and find himself caught in the trap of addiction all over again? These drugs to cure addiction are new. That means long term side effects are unknown. What will they be? What side effects will the addict have to deal with?

We have already seen what happens to those on methadone. We know that Subaxone is classified as a narcotic. We have seen that Ritalin, a methamphetamine, causes serious problems for our children. And yet, we keep pushing this idea that medication is the answer to addiction. When will see that drug free rehab is truly the only solution to our drug addiction problems?