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Health Insurance

Health Plan -How to choose

How do I pick a health plan?

If your employer gives you a choice of plans or you need to purchase your own coverage, it is crucial that you understand your health insurance choices and pick the insurance that is best for you and your family.

Here are some questions you should ask yourself when choosing a health insurance plan:

How affordable is the cost of care?

• What is the monthly premium I will have to pay?
• Should I try to insure most of my medical expenses or just the large ones?
• What deductibles will I have to pay out-of-pocket before insurance starts to reimburse me?
• After I’ve met my deductible, what percentage of my medical expenses are reimbursed?
• How much less am I reimbursed if I use doctors outside the insurance company’s network?

Does the insurance plan cover the services I am likely to use?

• Are the doctors, hospitals, laboratories and other medical providers that I use in the insurance company’s network?
• If I want to use a doctor outside the network, will the plan permit it?
• How easily can I change primary-care physicians if I want to?
• Do I need to get permission before I see a medical specialist?
• What are the procedures for getting care and being reimbursed in an emergency situation, both at home or out of town?
• If I have a preexisting medical condition, will the plan cover it?
• If I have a chronic condition such as asthma, cancer, AIDS or alcoholism, how will the plan treat it?
• Are the prescription medicines that I use covered by the plan?
• Does the plan reimburse alternative medical therapies such as acupuncture or chiropractic treatment?
• Does the plan cover the costs of delivering a baby?

Types of Auto Coverage

The law is that as long as you own a car you must have insurance. In 2001 and 2002 auto insurance premiums rose drastically. The fact that the emergence of baby boomers into late middle age is lowering accident rates and cars are becoming safer is helping to lower the cost of auto insurance. Despite these changes annual auto insurance premiums for Americans remain close to or above a thousand dollars. Because auto insurance coverage is specific, individual annual auto insurance premiums can vary drastically. Individual rates depends on the following factors:

" The driver's age.
" The driver's record.
" The type of vehicle.
" The age of the vehicle.
" Where the driver lives.

By choosing coverage specific to your individual needs and doing some careful shopping, you can get a good deal on your auto insurance.

Before you start looking for auto insurance you need to understand the three types of coverage available: liability, collision and comprehensive. Each of these types of coverage account for a part of the premium you pay for your auto insurance.

Taken together the collision and comprehensive sections of an auto insurance policy make up 40 percent or more of premium costs. In addition, these two sections involve a deductible that must be paid before the insurance starts on the claim. Some auto insurance policies may also include medical payments for you and your passengers regardless of where the fault lies in an accident. Other auto insurance policies may include uninsured motorist protection in case an uninsured driver hits you.

Most auto insurance policies offer low-cost additions, or riders, that you can add onto your policy depending on your personal preference. These additions may include rental reimbursement in case you are without your car for a period of time after an accident or in the event of regular mechanical repair. Some insurance will allow you to add-on towing insurance.

The following is an explanation of the three types of coverage:

" Liability: This coverage is to protect you when you are the one that causes the accident, or are "at fault."
" Collision: This coverage pays for any repairs your vehicle requires or for the replacement of its market value if your car is beyond repair after an accident. This coverage applies regardless of who caused the accident.
" Comprehensive: This coverage pays for repairs or the replacements of your car if it is stolen or damaged in a fire, flood or high winds.

You can reduce your insurance costs significantly by choosing only liability coverage. Consider this option only if your car is already paid for, and/or would be cheaper to repair/replace than to insure with full coverage

Insurance

Buying life insurance is not like any other purchase you will make. When you pay your premiums, you’re buying the future financial security for your family that only life insurance can provide. Among its many uses, life insurance helps ensure that, when you die, your dependents will have the financial resources needed to protect their home and the income needed to run a household. Choosing a life insurance product is an important decision, but it often can be com-plicated. As with any major purchase, it is important that you understand your needs and the options available to you. That’s where this booklet comes in; read it thoroughly. It takes you through the basics, step-by- step, as you prepare for this significant purchase. Most important, it will help you know what questions to ask when you’re buying life insurance. Life insurance also can be used to help with other financial goals, such as funding retirement or educaion expenses. However, it is important to remember that the main purpose of life insurance is financial protection. If your primary goals are something other than protection, you should consider what other financial products are available to meet those goals. The information in this brochure has been compiled by the American Council of Life Insurance, a trade association of more than 600 life insurance companies. Collectively, these companies provide about 90 percent of the life insurance in force in the United States. The best way to make an informed decision about buying life insurance is to become familiar with the basics. Why do I need life insurance? Life insurance is an essential part of financial planning. One reason most people buy life insurance is to replace income that would be lost with the death of a wage earner. The cash provided by life insurance also can help ensure that your dependents are not burdened with significant debt when you die. Life insurance proceeds could mean your dependents won’t have to sell assets to pay outstanding bills or taxes. An important feature of life insurance is that no income tax is payable on proceeds paid to beneficiaries. How much life insurance do I need? Before buying life insurance, you should assemble personal financial information and review your family’s needs. There are a number of factors to consider when determining how much protection you should have. These include: any immediate needs at the time of death, such as final illness expenses, burial costs and estate taxes;l funds for a readjustment period, to finance a move or to provide time for family members to find a job; and ongoing financial needs, such as monthly bills and expenses, day-care costs, college tuition or retirement. Although there is no substitute for a careful evaluation of the amount of coverage needed to meet your needs, one rule of thumb is to buy life insurance that is equal to five to seven times your annual gross income. What is term insurance? Term insurance provides protection for a specific period of time. It pays a benefit only if you die during the term. Some term insurance policies can be renewed when you reach the end of a specific period which can be from one to 20 years. The premium rates increase at each renewal date. Many policies require that evidence of insurability be furnished at renewal for you to qualify for the lowest available rates. What is permanent insurance? Permanent insurance provides lifelong protection and is known by a variety of names, described later. As long as you pay the necessary premiums, the death benefit always will be there. These policies are designed and priced for you to keep over a long period of time. If you don’t intend to keep the policy for the long term, it could be the wrong type of insurance for you. Most permanent policies including whole, ordinary, universal, adjustable and variable life have a feature known as 'cash value' or 'cash surrender value'. This feature, which is not found in most term insurance policies, provides you with some options: You can cancel or 'surrender' the policy 'in total or in part' and receive the cash value as a lump sum of money.