* Grand Circle Island Tour
* Pearl Harbor & Honolulu City Tour
* Polynesian Cultural Center (Bonus Choice with 3, 5, and 7 Day Cards)
* Germaines Luau (Bonus Choice with 3, 5, and 7 Day Cards)
* Sea Life Park by Dolphin Discovery
* Hawaiian Oceans Surf Lesson (Bonus Choice with 3, 5 and 7 Day Cards)
* Hanauma Bay Snorkeling Adventures
* Makani Catamaran
* Waikiki Trolley
* Hawaiian Style Rentals: Moped and Bike Rentals
* Battleship Missouri Memorial
* Bishop Museum
* Byodo-In Temple
* Diamond Head Crater Hike (with Shuttle Service)
* Dole Plantation: Pineapple Express
* Dole Plantation: The Maze
* Dollar Rent A Car (Bonus Choice with 3, 5, and 7 Day Cards)
* Hawaii Childrens Discovery Center
* Hawaii Heritage Center and Chinatown Walking Tour
* Hawaiian Oceans Beach Gear
* Hawaiian Oceans Outrigger Canoe Ride
* Hawaiis Plantation Village
* Honolulu Academy of Arts
* Iolani Palace
* Japanese Cultural Center of Hawaii
* Kailua Sailboards & Kayaks Half Day Snorkel
* Kailua Sailboards and Kayaks: Bike Rental
* Kayaking in Hawaii
* North Shore Surf and Cultural Museum
* Pacific Aviation Museum
* Queen Emma Summer Palace
* Rainforest and Waterfall Adventure
* The Contemporary Museum, Honolulu
* U.S. Army Museum of Hawaii
* USS Arizona Memorial Audio Tour
* USS Bowfin Submarine & Museum
* Waimea Valley
* Wet n Wild Hawaii
Sunday, August 15, 2010
cheap house insurance- how to get lower rates
Geico Home Owners Insurance - 8 Things That Will Make You Get Lower Rates
1. Just as a newly built house attracts reduced rates, you get discounts if your house undergoes a renovation. The reason for this isn't hard to guess since we all understand that once a house is renovated, it's as good as new and as a result the owner is very unlikely to make a claim for repairs soon. All renovations won't bring similar savings since the degree of renovation done is rightly a defining factor. You can find out what you'd get as discounts if you ask an agent.
2. Don't add the cost of the land when you apply for your homeowners insurance policy. You insure the home to get coverage from perils that could make you lose it. No matter what happens, the land on which your house is built will still be where it was. When you apply, remember to deduct the land's value. If you fail to do this you'll be buying far more insurance than is necessary. You'll simply be spending a lot more than you should.
3. You'll attract more affordable rates if your home is better secured. Certain security systems will attract discounts of about 5 percent. Certain insurers take it even further and offer between 15-20% reduction in rates if you get special fire and security systems that ring at a police station, fire station or any monitoring outfit. Just bear in mind that such devices must be such recommended by such an insurer for you to qualify for such huge discounts. The huge markdown you get might not be worth it since these advanced systems cost quite a lot.
4. A home of smokers will attract expensive premiums. Your home insurance rate will be less if any smoker in your household quits. More than 20,000 residential fires are traceable to smoking yearly. Do bear in mind that some insurers may not offer any markdowns for this.
5. If you're retired, you've qualified for discounts in home insurance from certain home insurance providers. This discount is based on the thinking that retirees spend more time to look after their home and are also likely to spot fires more easily.
6. Rebates are usually given to those who remain with the same insurance company more than three years. The longer the time you stay loyal to an insurance company, the higher the concession you get. The rebates you get for remaining with an insurance company may be smaller than what you'll gain by switching. Knowing which is better for you is very easy. You can know for sure by getting quotes from as many insurers as you can and then compare savings you'll realize if you switch with what your current insurer gives as concession.
7. You'll get a cheaper Geico home owners insurance premium if you opt for a higher deductible.
A deductible is the amount a policyholder must pay before his/her insurer becomes bound by law to pay as indicated in the terms of their policy. The least deductible normally in home insurance is about $250. By increasing your deductible to $500 you'd likely realize savings of about 12%. Increasing it more to $1000 may result in twenty-four percent discount. Different insurance companies could offer more or less so check with your agent before you make this decision.
8. Get and compare quotes from not less than three quotes sites. Although Geico home owners insurance rates might be good for your profile, some other reputable insurance companies might have rates that are up to 50% less.
Requesting quotes from a minimum of three quotes sites increase the chances that you'd get more affordable home insurance quotes. This is because insurance companies not represented by one site would be represented by the other. And, you should understand that because the likelihood of getting lower home insurance quotes has to do with the number of quotes you obtain, the more insurers you get quotes from, the higher your chances will be. Requesting for your home insurance quotes online will help you save much more if you sacrifice just 15 minutes to obtain quotes from a minimum of 3 quotes sites.
1. Just as a newly built house attracts reduced rates, you get discounts if your house undergoes a renovation. The reason for this isn't hard to guess since we all understand that once a house is renovated, it's as good as new and as a result the owner is very unlikely to make a claim for repairs soon. All renovations won't bring similar savings since the degree of renovation done is rightly a defining factor. You can find out what you'd get as discounts if you ask an agent.
2. Don't add the cost of the land when you apply for your homeowners insurance policy. You insure the home to get coverage from perils that could make you lose it. No matter what happens, the land on which your house is built will still be where it was. When you apply, remember to deduct the land's value. If you fail to do this you'll be buying far more insurance than is necessary. You'll simply be spending a lot more than you should.
3. You'll attract more affordable rates if your home is better secured. Certain security systems will attract discounts of about 5 percent. Certain insurers take it even further and offer between 15-20% reduction in rates if you get special fire and security systems that ring at a police station, fire station or any monitoring outfit. Just bear in mind that such devices must be such recommended by such an insurer for you to qualify for such huge discounts. The huge markdown you get might not be worth it since these advanced systems cost quite a lot.
4. A home of smokers will attract expensive premiums. Your home insurance rate will be less if any smoker in your household quits. More than 20,000 residential fires are traceable to smoking yearly. Do bear in mind that some insurers may not offer any markdowns for this.
5. If you're retired, you've qualified for discounts in home insurance from certain home insurance providers. This discount is based on the thinking that retirees spend more time to look after their home and are also likely to spot fires more easily.
6. Rebates are usually given to those who remain with the same insurance company more than three years. The longer the time you stay loyal to an insurance company, the higher the concession you get. The rebates you get for remaining with an insurance company may be smaller than what you'll gain by switching. Knowing which is better for you is very easy. You can know for sure by getting quotes from as many insurers as you can and then compare savings you'll realize if you switch with what your current insurer gives as concession.
7. You'll get a cheaper Geico home owners insurance premium if you opt for a higher deductible.
A deductible is the amount a policyholder must pay before his/her insurer becomes bound by law to pay as indicated in the terms of their policy. The least deductible normally in home insurance is about $250. By increasing your deductible to $500 you'd likely realize savings of about 12%. Increasing it more to $1000 may result in twenty-four percent discount. Different insurance companies could offer more or less so check with your agent before you make this decision.
8. Get and compare quotes from not less than three quotes sites. Although Geico home owners insurance rates might be good for your profile, some other reputable insurance companies might have rates that are up to 50% less.
Requesting quotes from a minimum of three quotes sites increase the chances that you'd get more affordable home insurance quotes. This is because insurance companies not represented by one site would be represented by the other. And, you should understand that because the likelihood of getting lower home insurance quotes has to do with the number of quotes you obtain, the more insurers you get quotes from, the higher your chances will be. Requesting for your home insurance quotes online will help you save much more if you sacrifice just 15 minutes to obtain quotes from a minimum of 3 quotes sites.
cheap house insurance
1. Shop Around
It'll take some time, but could save you a good sum of money. Ask your friends, check the Yellow Pages or contact your state insurance department. (Phone numbers and Web sites are listed here.) National Association of Insurance Commissioners (www.naic.org) has information to help you choose an insurer in your state, including complaints. States often make information available on typical rates charged by major insurers and many states provide the frequency of consumer complaints by company.
Also check consumer guides, insurance agents, companies and online insurance quote services. This will give you an idea of price ranges and tell you which companies have the lowest prices. But don't consider price alone. The insurer you select should offer a fair price and deliver the quality service you would expect if you needed assistance in filing a claim. So in assessing service quality, use the complaint information cited above and talk to a number of insurers to get a feeling for the type of service they give. Ask them what they would do to lower your costs.
Check the financial stability of the companies you are considering with rating companies such as A.M. Best (www.ambest.com) and Standard & Poor’s (www.standardandpoors.com) and consult consumer magazines. When you've narrowed the field to three insurers, get price quotes.
2. Raise Your Deductible
Deductibles are the amount of money you have to pay toward a loss before your insurance company starts to pay a claim, according to the terms of your policy. The higher your deductible, the more money you can save on your premiums. Nowadays, most insurance companies recommend a deductible of at least $500. If you can afford to raise your deductible to $1,000, you may save as much as 25 percent. Remember, if you live in a disaster-prone area, your insurance policy may have a separate deductible for certain kinds of damage. If you live near the coast in the East, you may have a separate windstorm deductible; if you live in a state vulnerable to hail storms, you may have a separate deductible for hail; and if you live in an earthquake-prone area, your earthquake policy has a deductible.
3. Don’t confuse what you paid for your house with rebuilding costs
The land under your house isn't at risk from theft, windstorm, fire and the other perils covered in your homeowners policy. So don't include its value in deciding how much homeowners insurance to buy. If you do, you will pay a higher premium than you should.
4. Buy your home and auto policies from the same insurer
Some companies that sell homeowners, auto and liability coverage will take 5 to 15 percent off your premium if you buy two or more policies from them. But make certain this combined price is lower than buying the different coverages from different companies.
5. Make your home more disaster resistant
Find out from your insurance agent or company representative what steps you can take to make your home more resistant to windstorms and other natural disasters. You may be able to save on your premiums by adding storm shutters, reinforcing your roof or buying stronger roofing materials. Older homes can be retrofitted to make them better able to withstand earthquakes. In addition, consider modernizing your heating, plumbing and electrical systems to reduce the risk of fire and water damage.
6. Improve your home security
You can usually get discounts of at least 5 percent for a smoke detector, burglar alarm or dead-bolt locks. Some companies offer to cut your premium by as much as 15 or 20 percent if you install a sophisticated sprinkler system and a fire and burglar alarm that rings at the police, fire or other monitoring stations. These systems aren't cheap and not every system qualifies for a discount. Before you buy such a system, find out what kind your insurer recommends, how much the device would cost and how much you'd save on premiums.
7. Seek out other discounts
Companies offer several types of discounts, but they don't all offer the same discount or the same amount of discount in all states. For example, since retired people stay at home more than working people they are less likely to be burglarized and may spot fires sooner, too. Retired people also have more time for maintaining their homes. If you're at least 55 years old and retired, you may qualify for a discount of up to 10 percent at some companies. Some employers and professional associations administer group insurance programs that may offer a better deal than you can get elsewhere.
8. Maintain a good credit record
Establishing a solid credit history can cut your insurance costs. Insurers are increasingly using credit information to price homeowners insurance policies. In most states, your insurer must advise you of any adverse action, such as a higher rate, at which time you should verify the accuracy of the information on which the insurer relied. To protect your credit standing, pay your bills on time, don't obtain more credit than you need and keep your credit balances as low as possible. Check your credit record on a regular basis and have any errors corrected promptly so that your record remains accurate.
9. Stay with the same insurer
It'll take some time, but could save you a good sum of money. Ask your friends, check the Yellow Pages or contact your state insurance department. (Phone numbers and Web sites are listed here.) National Association of Insurance Commissioners (www.naic.org) has information to help you choose an insurer in your state, including complaints. States often make information available on typical rates charged by major insurers and many states provide the frequency of consumer complaints by company.
Also check consumer guides, insurance agents, companies and online insurance quote services. This will give you an idea of price ranges and tell you which companies have the lowest prices. But don't consider price alone. The insurer you select should offer a fair price and deliver the quality service you would expect if you needed assistance in filing a claim. So in assessing service quality, use the complaint information cited above and talk to a number of insurers to get a feeling for the type of service they give. Ask them what they would do to lower your costs.
Check the financial stability of the companies you are considering with rating companies such as A.M. Best (www.ambest.com) and Standard & Poor’s (www.standardandpoors.com) and consult consumer magazines. When you've narrowed the field to three insurers, get price quotes.
2. Raise Your Deductible
Deductibles are the amount of money you have to pay toward a loss before your insurance company starts to pay a claim, according to the terms of your policy. The higher your deductible, the more money you can save on your premiums. Nowadays, most insurance companies recommend a deductible of at least $500. If you can afford to raise your deductible to $1,000, you may save as much as 25 percent. Remember, if you live in a disaster-prone area, your insurance policy may have a separate deductible for certain kinds of damage. If you live near the coast in the East, you may have a separate windstorm deductible; if you live in a state vulnerable to hail storms, you may have a separate deductible for hail; and if you live in an earthquake-prone area, your earthquake policy has a deductible.
3. Don’t confuse what you paid for your house with rebuilding costs
The land under your house isn't at risk from theft, windstorm, fire and the other perils covered in your homeowners policy. So don't include its value in deciding how much homeowners insurance to buy. If you do, you will pay a higher premium than you should.
4. Buy your home and auto policies from the same insurer
Some companies that sell homeowners, auto and liability coverage will take 5 to 15 percent off your premium if you buy two or more policies from them. But make certain this combined price is lower than buying the different coverages from different companies.
5. Make your home more disaster resistant
Find out from your insurance agent or company representative what steps you can take to make your home more resistant to windstorms and other natural disasters. You may be able to save on your premiums by adding storm shutters, reinforcing your roof or buying stronger roofing materials. Older homes can be retrofitted to make them better able to withstand earthquakes. In addition, consider modernizing your heating, plumbing and electrical systems to reduce the risk of fire and water damage.
6. Improve your home security
You can usually get discounts of at least 5 percent for a smoke detector, burglar alarm or dead-bolt locks. Some companies offer to cut your premium by as much as 15 or 20 percent if you install a sophisticated sprinkler system and a fire and burglar alarm that rings at the police, fire or other monitoring stations. These systems aren't cheap and not every system qualifies for a discount. Before you buy such a system, find out what kind your insurer recommends, how much the device would cost and how much you'd save on premiums.
7. Seek out other discounts
Companies offer several types of discounts, but they don't all offer the same discount or the same amount of discount in all states. For example, since retired people stay at home more than working people they are less likely to be burglarized and may spot fires sooner, too. Retired people also have more time for maintaining their homes. If you're at least 55 years old and retired, you may qualify for a discount of up to 10 percent at some companies. Some employers and professional associations administer group insurance programs that may offer a better deal than you can get elsewhere.
8. Maintain a good credit record
Establishing a solid credit history can cut your insurance costs. Insurers are increasingly using credit information to price homeowners insurance policies. In most states, your insurer must advise you of any adverse action, such as a higher rate, at which time you should verify the accuracy of the information on which the insurer relied. To protect your credit standing, pay your bills on time, don't obtain more credit than you need and keep your credit balances as low as possible. Check your credit record on a regular basis and have any errors corrected promptly so that your record remains accurate.
9. Stay with the same insurer
Cheap health insurance
In October of 2009, I decided that I would no longer run the 9-5 gauntlet. And with that decision came a few immediate changes in my life. Working from home and for myself meant that I could set my own schedule, make my own decisions and only have myself to blame when something I’ve implemented did not work out. For me, the upside to this decision was infinite because I was slowly getting beaten down by “the man” and couldn’t take it anymore. Unfortunately though, there were downsides to my decision, two of which I’m dealing with right now.
The first of these downers is the amount of taxes I now pay as an independent contractor. Unknown to me at the time was that I would owe a self-employment tax that my previous employer use to pick up. Half of my social security and Medicare taxes were paid for when I had that office job, but now I foot 100% of the bill. The second and more important change was that I no longer had health or dental insurance from my employer. Truth be told, five months since my decision you still won’t find me visiting any hospitals or dentists because I still don’t carry any medical or dental insurance. I’m relatively healthy and now that I never leave the house, I have only my apartment to fear for an accident. But I’ve tempted fate long enough and now it’s time to find my own health insurance plan.
Like any important decision, this one is going to take a little time and a lot of research before I decide on the plan that’s right for me. Before spending thousands of dollars a year, I’m going to educate myself as best I can on the coverage that suits my needs, and that means going through the following step-by-step process.
1. Why I NEED Health Insurance
Something I learned at the age of five when biting through an electrical cord is that I’m not invincible. Even though I keep myself in relatively good health with exercise and home cooked meals, routine check-ups and emergency care are necessary to keep myself that way. Should the time come when I am unfortunate enough to need expensive medication or a medical procedure, I want to make sure that I “can afford” to stay alive.
My finances are certainly not where I want them to be, but without health insurance, I am taking a huge risk in saving a few bucks now for a potential catastrophe later. All of my current payments and bills will now take a backseat to making sure I’m alive long enough to pay them. The cost of surgery without insurance would derail all of the progress I have made over the last few years.
2. Understanding the Medical Mumbo Jumbo
When you carry health insurance through your employer, you are usually limited to the types of coverages available to you. Because you only have to pay a fraction of what you would had you worked on your own, the downside to having limited options is outweighed by the money you save over time. For me, I have the entire health care system available (99% of the health care system would be more accurate), and I want to review the most common plans taken out by consumers today.
* PPO: PPO stands for “Preferred Provider Organization” which means that my coverage will only extend to a list of doctors and hospitals that the insurance company provides. Should I want to visit a doctor that is not on my PPO list, I will probably be responsible for 100% of the costs. PPO’s are the most common of health care plans for individuals like myself, and as long as I can find a doctor and hospital that I like, I would imagine this is the plan for me.
* HMO: HMO stands for “Health Maintenance Organization” and those three letters continue to make consumers cringe. HMO’s are usually the plan you will find provided by your employer because it caters to group rates. While generally the cheapest of all health insurance policies, the rules and regulations that need to be followed in order to be covered are very strict. Getting medical treatment from anyone outside your HMO group must be first cleared by the HMO. It’s important to know exactly what is and is not covered because going in blind to a visit can result in a hefty bill later.
* HSA-Eligible Plans: HSA plans are extremely similar to PPO’s in the sense that you can choose which doctor and hospital you want to visit. The added benefit to this plan is that pre-taxed income can be put aside in an interest bearing account, known as a Health Savings Account (Hence the HSA) so when you file your taxes at the end of the year, less of your income is taxed. If you’re wondering why you wouldn’t always choose this plan vs. a PPO, the HSA-Eligible plans have a much higher deductible than that of a PPO.
* Indemnity Plans: If you’re more of a free bird that likes to take care of things on your own, then the indemnity plan is perfect for you. Indemnity plans are much more expensive then their above brethren, but you have the freedom to choose any doctor or hospital you want and usually any coverage or treatment you want as well. An indemnity provider will pay a certain percentage of every visit, medication or procedure and all of the reimbursement paperwork is taken care of by you, not the insurance company. Freedom comes with a heavy price in the medical insurance world.
In addition to the plan types, there are a few health insurance terms that you will need to know in order to get the best coverage possible.
* Copayment: The copayment is the amount of money that you will owe before any service is provided. For example, if your insurance provider says your office visit copayment is $20, that’s just how much each doctor’s visit will cost you. The remaining costs, whatever they are, will be paid by the insurance company.
* Deductible: Your deductible is the amount of money you will be asked to pay for your medical expenses each year before your insurance will take full effect. Should you have a $1,000 deductible and need a procedure that costs $5,000, you will be required to pay $1,000 out of pocket and the insurance company will pay the remaining $4,000. Unlike auto insurance deductibles which are applied with each claim you submit, deductibles for health insurance are for the entire year. So if you have multiple procedures in one year, you are not required to meet the deductible each time.
* Coinsurance: A sneaky little tactic that insurance companies use is providing coinsurance, which is the money covered after your deductible. Assuming you have already paid your deductible for the year and have a coinsurance amount of 20%, you will be asked to pay 20% of all future medical costs out of pocket. A 0% coinsurance amount means that after your deductible, you are 100% covered. So if you can find a 0% coinsurance at a reasonable price, that might save you thousands in the future.
3. Deciding Just How Much Coverage I Need to Carry
Because I am on an extremely tight budget right now, I won’t be able to get all of the coverages I would want. But I will be able to find the ones that I need. Luckily for me, I’m young, have no pre-existing medical conditions and have only myself to care for, so the plans I will be shopping for should all be relatively inexpensive (when compared to what’s available). The five questions you should ask yourself before deciding which coverages are best to suit your needs are:
1. How many times do I plan to visit the doctor for routine check-ups this year?
2. How much money did I spend on health-care last year?
3. Do I have any pre-existing medical conditions?
4. Am I looking for a specific benefit in my coverages or is this a general plan?
5. What is my budget for health insurance?
The last one is the most important one because you should never let money get in the way of your health. If you find that the coverage you feel most comfortable with is a little out of your budget, do your best to cut the fat from other areas before deciding against a lesser health insurance plan. You’re no good to anyone if you’re not healthy.
4. Comparing Health Insurance Quotes Online
EHealthInsurance.com continues to be the best site for comparing health insurance plans. In fact, it was just voted by Kiplinger to be the best health insurance website around. The process is very simple and will only take a few minutes of your time. After filling out my zip code, gender, age and whether or not I’m a student that uses tobacco, all of the available coverages in my area are displayed.
The first of these downers is the amount of taxes I now pay as an independent contractor. Unknown to me at the time was that I would owe a self-employment tax that my previous employer use to pick up. Half of my social security and Medicare taxes were paid for when I had that office job, but now I foot 100% of the bill. The second and more important change was that I no longer had health or dental insurance from my employer. Truth be told, five months since my decision you still won’t find me visiting any hospitals or dentists because I still don’t carry any medical or dental insurance. I’m relatively healthy and now that I never leave the house, I have only my apartment to fear for an accident. But I’ve tempted fate long enough and now it’s time to find my own health insurance plan.
Like any important decision, this one is going to take a little time and a lot of research before I decide on the plan that’s right for me. Before spending thousands of dollars a year, I’m going to educate myself as best I can on the coverage that suits my needs, and that means going through the following step-by-step process.
1. Why I NEED Health Insurance
Something I learned at the age of five when biting through an electrical cord is that I’m not invincible. Even though I keep myself in relatively good health with exercise and home cooked meals, routine check-ups and emergency care are necessary to keep myself that way. Should the time come when I am unfortunate enough to need expensive medication or a medical procedure, I want to make sure that I “can afford” to stay alive.
My finances are certainly not where I want them to be, but without health insurance, I am taking a huge risk in saving a few bucks now for a potential catastrophe later. All of my current payments and bills will now take a backseat to making sure I’m alive long enough to pay them. The cost of surgery without insurance would derail all of the progress I have made over the last few years.
2. Understanding the Medical Mumbo Jumbo
When you carry health insurance through your employer, you are usually limited to the types of coverages available to you. Because you only have to pay a fraction of what you would had you worked on your own, the downside to having limited options is outweighed by the money you save over time. For me, I have the entire health care system available (99% of the health care system would be more accurate), and I want to review the most common plans taken out by consumers today.
* PPO: PPO stands for “Preferred Provider Organization” which means that my coverage will only extend to a list of doctors and hospitals that the insurance company provides. Should I want to visit a doctor that is not on my PPO list, I will probably be responsible for 100% of the costs. PPO’s are the most common of health care plans for individuals like myself, and as long as I can find a doctor and hospital that I like, I would imagine this is the plan for me.
* HMO: HMO stands for “Health Maintenance Organization” and those three letters continue to make consumers cringe. HMO’s are usually the plan you will find provided by your employer because it caters to group rates. While generally the cheapest of all health insurance policies, the rules and regulations that need to be followed in order to be covered are very strict. Getting medical treatment from anyone outside your HMO group must be first cleared by the HMO. It’s important to know exactly what is and is not covered because going in blind to a visit can result in a hefty bill later.
* HSA-Eligible Plans: HSA plans are extremely similar to PPO’s in the sense that you can choose which doctor and hospital you want to visit. The added benefit to this plan is that pre-taxed income can be put aside in an interest bearing account, known as a Health Savings Account (Hence the HSA) so when you file your taxes at the end of the year, less of your income is taxed. If you’re wondering why you wouldn’t always choose this plan vs. a PPO, the HSA-Eligible plans have a much higher deductible than that of a PPO.
* Indemnity Plans: If you’re more of a free bird that likes to take care of things on your own, then the indemnity plan is perfect for you. Indemnity plans are much more expensive then their above brethren, but you have the freedom to choose any doctor or hospital you want and usually any coverage or treatment you want as well. An indemnity provider will pay a certain percentage of every visit, medication or procedure and all of the reimbursement paperwork is taken care of by you, not the insurance company. Freedom comes with a heavy price in the medical insurance world.
In addition to the plan types, there are a few health insurance terms that you will need to know in order to get the best coverage possible.
* Copayment: The copayment is the amount of money that you will owe before any service is provided. For example, if your insurance provider says your office visit copayment is $20, that’s just how much each doctor’s visit will cost you. The remaining costs, whatever they are, will be paid by the insurance company.
* Deductible: Your deductible is the amount of money you will be asked to pay for your medical expenses each year before your insurance will take full effect. Should you have a $1,000 deductible and need a procedure that costs $5,000, you will be required to pay $1,000 out of pocket and the insurance company will pay the remaining $4,000. Unlike auto insurance deductibles which are applied with each claim you submit, deductibles for health insurance are for the entire year. So if you have multiple procedures in one year, you are not required to meet the deductible each time.
* Coinsurance: A sneaky little tactic that insurance companies use is providing coinsurance, which is the money covered after your deductible. Assuming you have already paid your deductible for the year and have a coinsurance amount of 20%, you will be asked to pay 20% of all future medical costs out of pocket. A 0% coinsurance amount means that after your deductible, you are 100% covered. So if you can find a 0% coinsurance at a reasonable price, that might save you thousands in the future.
3. Deciding Just How Much Coverage I Need to Carry
Because I am on an extremely tight budget right now, I won’t be able to get all of the coverages I would want. But I will be able to find the ones that I need. Luckily for me, I’m young, have no pre-existing medical conditions and have only myself to care for, so the plans I will be shopping for should all be relatively inexpensive (when compared to what’s available). The five questions you should ask yourself before deciding which coverages are best to suit your needs are:
1. How many times do I plan to visit the doctor for routine check-ups this year?
2. How much money did I spend on health-care last year?
3. Do I have any pre-existing medical conditions?
4. Am I looking for a specific benefit in my coverages or is this a general plan?
5. What is my budget for health insurance?
The last one is the most important one because you should never let money get in the way of your health. If you find that the coverage you feel most comfortable with is a little out of your budget, do your best to cut the fat from other areas before deciding against a lesser health insurance plan. You’re no good to anyone if you’re not healthy.
4. Comparing Health Insurance Quotes Online
EHealthInsurance.com continues to be the best site for comparing health insurance plans. In fact, it was just voted by Kiplinger to be the best health insurance website around. The process is very simple and will only take a few minutes of your time. After filling out my zip code, gender, age and whether or not I’m a student that uses tobacco, all of the available coverages in my area are displayed.
Wednesday, August 4, 2010
Budapest, Hungary. The folk dances of Hungary
Budapest. The beautiful city on the Danube. It’s a city I’ve never heard anything bad said about. “If you love Prague, you’ll love Budapest” people would tell me. And they were right- I did like Budapest, though not nearly as much as I like Prague but that’s another story. This story is about Hungarian folk dancing.
Hungarian folk dancing reminds me of Irish folk dancing mixed with a bit of Russian and Jewish folk dancing. Everyone dances in a circle or twirls around partners. There’s a lot feet stomping and singing. Here’s a small sample.
Hungarian folk dancing reminds me of Irish folk dancing mixed with a bit of Russian and Jewish folk dancing. Everyone dances in a circle or twirls around partners. There’s a lot feet stomping and singing. Here’s a small sample.
hungary; hungarian women dating.
Joining a Hungary dating site is the best way to find thousands of Hungarian women, brides, and men for love and romance. There are many Hungarian dating services that provide the tool to search for Hungary women and men. We live in this electronic day so looking for Hungarian brides online is easy and simple. Hungarian single men and women can meet each other at a total free Hungary dating site. There are many dating agencies on the Internet which provide the convenient way for Western men to seek Hungarian women. Like I mentioned above, there are free dating sites and paid services. These paid services are not expensive. They also have language translators who need to translate English to Hungary language. Hungarian mail order brides are different from singles online. International brides who get married with Western men are called mail order brides.
pinay scandal
Pinay scandal refers to scandalous videos, pictures or stories where a Filipina woman is involved. This is a favorite keyword among bloggers since this has been used to drive traffic into blogs.
Subscribe to:
Posts (Atom)
