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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.
| Note that its often illegal for the doctor to offer you, as an
insured patient, a discount. He cannot waive the copayment, even
if he wants. However, in the past, some hospitals were getting
secret discounts from the insurors, even beyond the official
discounts. Anyone in the insurance industry care to comment on
whether this still occurs? |
| 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 just dont want to do the work. And, they may be afraid that such a
letter might be inadvertently worded so as to assume more liability on
their part. Insurance companies are ultra paranoid about liability. It
is the nature of what they do. Some will do some seemingly ridiculous
things because of this. |
| 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. |
| Last july I was involved in an accident where I was hit from behind.
The person who hit me was uninsured, and completely at fault. Well, I
had to pay the 200$ deductible to have my jeep fixed, and it was fixed
very well. My insurace carrier at the time was Allstate, and I had no
problems till last September. The main reason I had d Allstate so
much was that before last june, I had a job which didnt pay too
much, and I was strapped for cash occasionally, so I was a week or so
late on a payment every once in a while; I was always in contact with
my agents, and they were always willing to help me out. I always got
my premiums paid, just sometimes late. Well, I was a few days late on
my payment in August, and in september, I was notified that I owed a
certian amount of money that seemed to be 2 months of premiums. I
called and paid the amount, and was then informed that my policy was
terminated. That was the beggining of a long drawn out insurance
battle that is still haunting me. |
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