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11/18/2008
Tuesday morning
This topic is closed off and you will be taken directly to the website.
Topics taken from open source list. I hope you find this useful.
This site is for our clients only as an information resource.
| If you still have problems, state attorney generals tend to be one
source of help. Your state department of insurance may also have a
consumer complaint department. |
| All that said, the WSJ did have an article last year on doctors
who dont deal with insurance companies. They provide better
personal attention. However, their patients tend to be rich. |
| 1. The health care industry is like the auto and private higher
education industries, but worse. They set ridiculous list prices,
which only unlucky or uninsured people pay. The major medical
plans negotiate discounts, often more than 50%. My basis for
claiming this is that Ive seen a number of medical bills for
other people, from lab tests to operations. Ive seen an eye
operation billed at $1K, for which the doctor accepted $400 from
the insuror. Ive seen lab tests billed at $100, for which $15
was accepted as payment in full. As a cash paying customer, in
return for the doctor not having to hassle with an insurance
company, hell charge you list. |
| www.insweb.com
chk: Learning Center
or This from www.clarkhoward.com
(certified tightwad)
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Consider your own situation to see if life insurance makes sense for
you, how much you need, and which type of life insurance would be best.
If your family would be unable to make the mortgage payments without
your income, you need life insurance.
??Life insurance is meant to replace your income. My rule of thumb
is to buy an amount equal to six times your annual salary.
??If both spouses work, both should have life insurance to replace
their own income. Dont buy insurance on your children.
??There are two primary types of life insurance. Term life coverage
provides a payment only if you die. Whole life builds a cash value and
serves as a savings vehicle.
??Buy whole life only if you can afford it and can dedicate yourself
to making the premium payments for at least 15 years.
??If you decide to get term life insurance, the best way to buy is
by cal. |
| They should, however, be able to accept a copy of the declaration page
(the first page, the one with all the coverages on it) from that policy
period as proof. This would be even more reasonable than a letter. If
you or your employer dont still have it, your former insurance company
or agent should provide it with no problem. In fact, a customer service
operator at your former insurer should even be able to fax it to you
straight from their computer terminal. If you call and ask nicely for a
copy of your dec page from that policy period. I am sure it is law in
every state that they provide this. I cant imagine that it wouldnt be. |
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