Posted on 20th July 2010 by Holly Bentz in Politics
business, education, family, health, health care, health insurance quotes, Insurance, Internet, investment, medical, medicine, michigan medical insurance, Politics, Self Help
Although a few of laws defined in the Patient Protection and Affordable Care Act (PPACA) are becoming effective for consumers buying Michigan health insurance, consumers should beware of health care fraud. Insurance fraud is the leading cause of skyrocketing Michigan health insurance premiums.
National reports estimate that more than three-fourths of the Michiganites, who do not have medical coverage, today will carry Michigan health insurance in the future.
In the interim, insurance fraud is a mainstay for ongoing concern. Use the following tips to avoid falling prey to a scam:
As far back at 1980, Blue Cross Blue Shield of Michigan has exposed more than $238 million in insurance fraud. From stealing one’s identity, submitting fake medical claims to the misrepresentation of being married health care fraud is prevalent crime.
Based on reports released by Blue Cross Blue Shield, charlatans pose as insurance agents to abscond consumers’ social security numbers. To prevent victimization, never provide any person a social security number or other personal account information over the phone. Instead Contact the company to verify any account discrepancies.
Although open enrollment has an abbreviated time span; deadlines are non-existent for purchasing family or individual Michigan health insurance coverage. Consequently, time sensitive \ ‘special offers’ are non-existent with most legitimate health plans.
Since identity thieves are quite crafty at absconding personal information, always validate that the agency’s or agent that the agent or agency’s license is up-to-date. Finally, avoid doing business with any Michigan health insurance company, where the marketing materials are missing fundamental (in example: an exact street address, an email address and a contact phone number).
Although the purpose of the PPACA is to enable Americans to obtain health care, laws do not mandate that policy premiums be withdrawn from a Michigan health insurance policyholder’s credit card or bank account.
MichiganHealthandLife.com offers free health insurance quotes, advice and a wealth of information regarding Michigan medical insurance. Bookmark the site for the latest news, resources and no obligation quotes, online.
Posted on 19th June 2010 by Mike Novelli in Politics
business, family, finance, fitness, health, health care, Illinois health insurance, Illinois medical insurance, Insurance, medicine, news, Politics, Self Help
With thousands of college graduates across the state, decent percentages are facing a gap in Illinois health insurance. Despite the Patient Protection And Affordable Care Act (PPACA), small businesses, corporations, and other employers are not too hasty to implement the dependent coverage clause until it is required in 2011. The quandary leaves many Illinois graduates sans economical medical coverage until perhaps employment.
Mike Novelli, the president and a licensed agent of Illinois Life and Health, represents five major Illinois health insurance companies, and forewarns consumers to explore temporary coverage versus COBRA benefits.
While the Consolidated Omnibus Budget Reconciliation Act (COBRA) mandates that employees or dependents, losing their Illinois health insurance benefits, have the right to continue benefits, COBRA premiums are quite more expensive than other health plans.
Prior to opting to continue with COBRA benefits, students should compare the premiums to other creditable Illinois health insurance plans. Unless one suffers from a preexisting medical condition, Illinoisans have numerous affordable medical care alternatives.
For the graduate, whom is waiting for gainful employment, a short-term Illinois health insurance plan bridges the gap for temporary, but adequate health care. With unusual viruses, unforeseen major illnesses and even freak accidents, having medical coverage prevents the event of being left with exorbitant medical bills and thus financial devastation.
Major medical insurance agencies provide short term plans, broken up in various terms: 3-month, six-months or a year. Not to mention, some Illinois health insurance companies administer incentives for prepayments; however, remember to compare all the plan’s features (in example: out-of-pocket expenses, preventative services, premiums, and deductibles).
Depending on the insurance company, some have already incorporated some of the PPACA’s requirements. For instance, certain Blue Cross Blue Shield’s Blue plans provides some of the preventative services as mandated in the PPACA.
Nonetheless, as additional terms become effective with the Patient Protection and Affordable Care Act (PPACA), students will have the ability to secure feasible Illinois health insurance, sans the restrictions and exclusions as seen in the past.
IllinoisLifeandHealth.com offers complimentary Illinois health insurance quotes, advice and a wealth of information regarding Illinois medical insurance. Bookmark the site for the latest news, resources and no obligation quotes, online.
Posted on 31st May 2010 by Holly Bentz in Politics
business, family, finance, health, illinois life insurance, Illinois medical insurance, Insurance, medical, medicine, news, Politics, Self Help
Dating back to 2008, a surge in consumer scams foretells a presage. Across the state and among local municipalities, reports are inundating agencies regarding consumer fraud cases, associated Illinois life insurance and Illinois medical insurance. For the most part, unscrupulous insurance professional are selling fake health plans (such as ObamaCare) or are making off with consumers’ funds for Illinois life insurance.
The Schmidts of Gurnee, Illinois were embezzled out of their life savings of half a million dollars by an agent, who was married to their niece. Their investment never made it to the accounts. Investigators learned in another life insurance scam, that licensed agents were opening bogus life insurance policies and obtaining the benefits.
The bulleted items, below illustrate techniques to preclude being the next victim to an Illinois life insurance policy or health plan bamboozlement:
Regardless, if is for an Illinois medical insurance plan or for an Illinois life insurance, policy the primary upshot to finding an agent, who represents a slew of leading corporation is the ability to compare benefits and abbreviate the time it would normally require to shop around for Illinois life insurance quotes or to compare viable Illinois medical insurance plans.
Regardless of the timesaving, threes techniques alleviate the chances of being duped by an insurance advisor. 1) Verify that the agent’s is license is current and valid to sell Illinois life insurance or provide Illinois medical insurance quotes. 2) Confirm professional ethics with the Illinois Department of Insurance, Illinois Securities Department and the Attorney General’s Office to ascertain whether the agent has any outstanding complaints. 3) Conduct-a background check via Google. Simply, input the agent’s name followed by a comma, and the following other keywords: “fraud,” complaints,” “scam.”
* Anytime an agent suggests inflating net worth or income so that the beneficiary can obtain higher benefit from an Illinois life insurance policy, report the case to the Illinois Department of Insurance.
* Make checks payable to the Illinois life insurance company with a notation about the policy. Additionally, never sign checks made payable to the agent or representative, providing the Illinois life insurance quotes.
* In spite of the economical feasibility and attractive the benefits seem, do be tempted by any Illinois life insurance policy touted to provide “double” the returns. Even though open enrollment for Illinois medical insurance exists in condensed timeframe, high-pressure sales’ and coercive tactics are ethically unacceptable and a warning sign to shop elsewhere.
IllinoisLifeandHealth.com provides complementary health insurance quotes, advice and a wealth of information about Illinois life insurance and Illinois medical insurance. Bookmark the site for the latest news, resources and no obligation quotes, online.
Posted on 2nd April 2010 by Holly Bentz in Politics
business, education, family, finance, health, Illinois medical insurance, Insurance, Internet, investment, medical, medicine, news, Politics, Self Help
Residents with or without Illinois medical insurance, how will the national health reform impact them? Even though all the complete details for the prospective national health reform bill remain undisclosed to the American public, industry analysts have divergent opinions about a new health plan.
President and licensed Illinois medical insurance agent, Mike Novelli agrees that there is a need for reform, “I’ve witnessed the rejection. It’s unfair that tax paying citizens are unable to obtain an Illinois medical insurance policy due to a pre-existing medical condition.”
Other health insurance analysts contend that a high percentage of uninsured Americans have made it a conscious choice not to have insurance. The problem is that when these people are struck with an illness and hospitalized, they are unable to pay the medical bills.
To balance the financial burden of those individuals, who do not carry an Illinois medical insurance policy, hospitalization charges continue to inflate. In an effort to maintain a profit, the domino effect causes insurance agencies to increase premiums and coinsurance caps. The outcome is that the insured endure the financial duress of the uninsured.
Other experts, familiar with the situation, theorize that carrying health coverage should be a national requirement like auto insurance; whereby, the government prohibits insurance providers from rejecting individuals diagnosed with a chronic pre-existing medical condition.
In the state of Illinois, estimates show that some 3-million residents do not have health insurance. Alternatively, a percentage of Illinoisans are opposed to the reform because they forecast that the national reform plan would only prove to discourage innovation, triggering a shortage of qualified physicians.
Mr. Novelli perceives the reform as a positive change for educating Americans about how to purchase a health policy. “I witness many consumers, who are baffled by the entire process to acquire a feasible Illinois medical insurance policy,” says Mr. Novelli.
Additionally, Mr. Novelli recommends that the smartest consumer approach is to finding a feasible Illinois medical insurance takes a little perseverance: obtain two to three medical quotes, compare plans for affordability and sufficient coverage that includes health care necessities. In the interim, residents, who need an Illinois medical insurance plan, can, only yearn for a national reform with similar qualities.
IllinoisLifeandHealth.com offers complementary health insurance quotes, advice and a wealth of information regarding Illinois medical insurance. Bookmark the site for the latest news, resources and no obligation quotes, online.
Posted on 28th March 2010 by admin in news
car. auto, Insurance, L.A., Los Angeles
I know they say that Detriot is “The Motor City” but have you ever been to Los Angeles? L.A. has millions of cars and behind the wheel of each of those cars is a driver with questionable skills. You need Los Angeles Auto Insurance.
If you live in Los Angeles, you are aware that if you operate a vehicle or a truck, you are required to purchase auto insurance by the state of California. However, purchasing car insurance in LA can often be an overwhelming and tedious experience. There are so many companies out there promising great rates, but we rarely have the time to either call, or visit the website of each and every company to get a good rate. This is why we decided to build a website to help people like you find the cheapest, most affordable car insurance quotes in Los Angeles. At Car Insurance Los Angeles you can quickly and easily compare rates and find what fits you and your budget. The website lets you compare rates when you have time whether it’s early in the morning or the middle of the night.
You owe it to yourself to try Los Angeles Car Insurance and all it has to offer. What have you got to lose?
Posted on 1st March 2010 by Justin Verbaggio in Politics
business recovery, fire damage, fire insurance, furniture, furniture business, furniture store, Insurance, Politics, sell furniture
Fire destroyed a Torrance furniture store, just outside of Los Angeles, in 2004. The three-alarm fire, which required 49 firefighters to put out the flames, burned designer chairs down to their springs and even caused the roof to collapse. A beautiful, state-of-the-art furniture showroom quickly turned in to a hideous eye sore!
The cause of the fire? Arson. Did insurance pay to re-build the furniture store? Fortunately, yes! But how much business would be lost as a result of this furniture store having to relocate while their charred furniture store was being re-built? Why can’t the fire insurance company cover the potential-loss-of-business too? I would guess that the cost for a new furniture showroom would only be a fraction of the cost of loss that this business incurred as a result of the fire.
It seems that insurance should take everything in to account, not just the property. This showroom was in a prime location on Sepulveda Blvd. in Torrance. What happens when Los Angeles residents drive up to a charred pile of rubble? In 2004, there was no such luxury of jumping on the Web via an iPhone to see if they store has relocated. Instead, they probably went to the Ethan Allen that’s a stone’s throw away.
Believe it or not, this furniture store was still in a temporary location in 2006. Contractors were still finishing the re-build of their original showroom – two years later! As if to add salt to the wound, it turns out that the only location they could find was in a strip mall a mile and a half away. Bear in mind, this is a high-end furniture store, not a discount “knock-off” establishment. Who knows how many of their existing customers passed by their old location and assumed they had officially closed their doors?
Fortunately, they’re now back in their original 13,000 sq. ft showroom. It may be state-of-the-art, but where are all the customers? Will this furniture store ever be flourishing like once was back in 2004? Insurance may have paid for a new showroom, but how about getting them to pay for new customers too?
This story, written about a Torrance furniture store, is true and was written by author Justin Verbaggio. The author has no official affiliation with the furniture store; however, he is a long-time customer.
Posted on 5th February 2010 by Tim F Dalton in Politics
cheap, Cheap health Insurance, cheap health insurance plan, cheap insurance plan, cobra extension, cobra insurance, Cobra Insurance Extension, cobra insurance plan, health, health insurance, health insurance plan, health plan, Insurance, medicine, Politics
Are you one of the many Americans who have been laid off in recent months? Are you concerned about no longer having health insurance benefits for you and your family in addition to the loss of income? If so, you will want to know more about the COBRA Insurance plan provided by the federal government.
Don’t make the mistake of thinking that you don’t need health insurance. If your health insurance lapses, you may have a problem covering yourself and your family when you do get a new job. It is also not a good idea to ‘play the odds’ and hope that you will not need medical coverage; it is impossible to predict when accidents or illness may occur.
COBRA Qualifications
The COBRA insurance extension provides supplemental health insurance that fills the gap between coverage due to unemployment. Your last employer is required to provide this option. You will qualify if you have had hours reduced and become a part-time employee ineligible for the employer’s health insurance benefit, laid off, or terminated for any reason other than gross misconduct. Insurance coverage extends to all dependants who were previously on your policy.
The American Recovery and Reinvestment Act (ARRA) includes a Cobra Extension that extends benefits to those former employees who were laid off or terminated between September 2008 and February 2009. If you still do not have health insurance due to an employment separation that occurred between that period of time, you can now elect to receive COBRA benefits.
How Much Will It Cost?
After you are no longer employed, you will have to foot the bill for health insurance premiums. The former employer is still the administrator of the plan, but they are not required to pay any part of the monthly premium. You should be aware that the cost may still be far less than if you purchased an individual plan. The federal government also offers subsidies, up to 65%, to anyone who is unable to afford the entire insurance premium.
What Happens After Loss of a Job
It is your employer’s responsibility to report the separation and eligibility for COBRA benefits. There are various regulations that apply to determine who is eligible, what companies are required to offer COBRA, and what events qualify for the continued health insurance benefit. If you feel that you should be able to continue to receive coverage, you may want to consult with a company that can help you sort out the details.
The employee has 60 days to decide whether he or she wants to take advantage of COBRA benefits. If the former employee does elect to continue health insurance coverage, there is a 45 day period in which the first premium must be paid.
There are also specific regulations from the health insurance provider as to how and when claims for extended coverage are filed. The insurance company may deny benefits. You are allowed to appeal the denial within 60 days. Because the health insurance provider often carries numerous plan stipulations, you may want to obtain assistance when dealing with the company.
Many times there are special circumstances that apply to continued health insurance coverage through COBRA insurance extension. Luckily, you do not need to sort out all the issues, rules, regulations, and specifics yourself. There are resources available to help those who are entitled to the benefits receive them. See the website for more details.
Looking to find more information on the Cobra Extension? Then visit www.cobraextension.org to find the best advice on Cobra Insurance Plan to help you.
Posted on 17th November 2009 by Mike Novelli in Politics
advice, disease, doctors, education, family, finance, health, home, Insurance, medical, Michigan health insurance, michigan health insurance quote, michigan medical insurance, Politics
Michigan health insurance coverage is equivocally as important as carrying a car insurance policy. A chronic illness like diabetes, cancer could render someone financially destitute. The financial woos, of unemployment and a recessed economy, leaves many Americans forgoing health insurance coverage.
Between the growing cost of hospitalization, prescriptions and diagnostic testing, it’s no secret that the cost of medical care services. It is the reason that legislators are trying to make health insurance coverage a legal obligation.
Some Michiganites think that because they have health insurance through their employer that they are covered. For others, the homework of finding a low cost plan with adequate protection is too involved.
Although no own can predict hospital bills, there are tactics to buying an affordable health plan. Michael Novelli, an insurance broker analyst of MichiganHealthandLife.com recommends the importance of having a Michigan health insurance before a serious medical complication arises.
Mr. Novelli advises that not carrying insurance today can ultimately minimize future affordable health insurance.
Exercise prudence in your selection of affordable medical coverage. As Michigan health insurance vary from policy to policy. Apply for a minimum of three health insurance quotes from different insurance agencies. To ease shopping around for quotes, find a licensed broker who represents several companies.
Besides searching for an economical Michigan health insurance policy, shop for policies that meet the following guidelines: 1) Select a health plan providing coverage from mega medical costs. 2) Opt for a policy that is effective the day of your first payment. (Various health insurance plans require that new members wait a specified time before taking effect).
Also, be sure that the insurance plan features a “free look” clause, meaning that you have a minimum of 10-days to rescind the coverage.
For additional information regarding Michigan health insurance, bookmark or visit www.MichiganHealthandLife.com in Michigan. The online resource doubles as a library and health insurance quote portal.
Posted on 14th November 2009 by Paul Stevens in Politics
business, Cheap health Insurance, dental insurance, finance, fitness, health, health insurance, Insurance, medical insurance, Politics
It’s not often that people are able to save money on their health insurance. In fact I have not seen many other areas that have increased in price the same way that health care, and subsequently health insurance has in the last 10 years or so.
Of course we are currently seeing the potential overhaul of the system, but whatever happens in the future, nothing will change for the next few years. What people can do now is to use the following method to start saving money on health insurance, right away.
The method will work no matter what insurance policy an individual wants to buy, whether they are looking for personal insurance, or for a business, or even short term care and dental insurance.
The way it works is that someone who wants to purchase a health insurance policy, goes to a price comparison website and uses it. These sites are very specialized and have already established all the different providers of health insurance throughout the US. The sites then allow quotes to be requested from them all.
A user enters their details once, and then the search engine of the website goes out and requests quotes from all the different providers who offer policies in their area.
The whole thing takes just a few moments and costs absolutely nothing. When the search engine has finished it’s job, it will return all the different companies and quotes to the user. It’s quite an easy job then just to pick whichever quotes and company suits the individual best.
Whilst this method is very simple and easy to use, anyone wanting to follow has to make sure that the site they go to is 100% independent. This means there are no direct connections to any insurance companies themselves, they are just simply providing quote details.
When these not genuine comparison sites are used, the results returned are always a fraction of what is available, so the savings are never at the same level.
For more information, or to use a completely independent price comparison website for Cheap Medical Insurance, just Read This Page.
Posted on 30th October 2009 by Holly Bentz in Politics
business, disease, family, finance, health, health insurance, healthcare, Insurance, medical, medicine, news, Politics, Self Help
This year’s flu concerns should heed caution for individuals, who do not have Illinois health insurance. At present date, the H1NI has assumed 20 lives and hospitalized 476. [Source: Illinois Department of Health http://www.idph.state.il.us/h1n1_flu/sf_statistics.htm] Between the sick days, doctor’s visits and other medical necessities, the uncertainties of the H1N1 virus are too ominous to chance until the Obama health plan is finalized.
It is estimated that some 250,000 children in the state of Illinois do not have medical coverage. With the death of a Naperville high school student, uninsured families have a few affordable health care plans. [Source: http://www.allkidscovered.com/]
The Kronishs’ experience with H1N1 was a sickeningly expensive fiasco. When Mr. Kronish lost his job, the cobra benefits for a family of six was too expensive to maintain on a $57,000 annual income. Not to mention, all four children aged eight, 11, 13 and 14 had been a pillar of good health.
After their 11-year old son complained of all the symptoms associated with H1N1, an emergency room visit turned into a 23-hour observation; and, thus a $3500 bill for all the tests and overnight stay. In an effort to prevent more of the same, the remaining Kronish family members were vaccinated, costing an additional $375.
The cost of a doctor’s office visit or clinic consultation ranges from $60 to $150 if one does not have insurance. Vaccinations are $75 to $85. In Illinois all medical providers are required to dole out H1N1 vaccinations to insured patients, directly billing the insurance company. Additionally, various big box stores, such as Osco Drugs, Walgreens and CVS are providing vaccinations in coordination with the insurance companies.
The H1N1 virus exemplifies how a simple emergency room visit and an overnight observation can add up to an expensive incident that a normal Illinois health insurance policy would cover.
Bookmark or visit Illinois Life & Health for more information pertaining to Illinois medical insurance. The site maintains the latest news, resources and a no obligation Illinois medical insurance quote, online.
