Life Insurance Types

Welcome to our website all about the Life Insurance Types. With all the different types of life insurance available to choose from, picking the right life insurance can be stressful and very difficult, to say the least. Life insurance is important, and we want you to understand that. For the sake of your family, it is ideal to have the right life insurance plan to allow them to feel safe and secure, and allow you to know that they will always be covered, should something ever happen.

The Main Life Insurance Types

When searching for the right life insurance, you will notice that you have many life insurance types to choose from. These life insurance types include, but aren’t limited to:

• Basic Life Insurance or Life Term Insurance
• Permanent Life Insurance
• Universal Life Insurance
• Whole Life Insurance

With all these types of life insurance to choose from, which one do you go with? This all depends on what you are looking for, and how much you need covered, and what you want the life insurance to really do.
With the main life insurance types that we’ve listed, below are exactly what you can expect from those various types of life insurance.
Term Life Insurance
Term life insurance is an affordable life insurance type for the average person. This is the least expensive of all of the life insurance types, so if you’re looking for affordable life insurance types then term life insurance is what you will need. It provides you with an easy to understand life insurance policy, which is an added bonus, there are no catches or tricks to decipher. With term life insurance, you get complete coverage at a very low rate, with guaranteed death benefit for current plans and extremely flexible term lengths. Out of all the life insurance types, this one is the simplest to deal with.
Whole Life Insurance
Whole life insurance is a more full coverage type of life insurance plan. You will get complete protection life insurance with whole life insurance, making it one of the best life insurance types to get. Fixed premiums which offer great stability are just one of the many benefits of whole life insurance, along with a tax-deferred cash value that can grow, guaranteed death benefit payout, ability to borrow against the cash value, and coverage for your entire life if kept current. If you’re looking for one of the best types of life insurance, whole life insurance will cover you the way you need to be covered.
Universal Life Insurance
This is one of the most flexible life insurance types. With universal life insurance, you get a very flexible payment option. Also, you get adjustable premiums for maximum flexibility, which is something you don’t get with other types of life insurance. On more positive notes, you will get a guaranteed interest rate, an annually adjustable death benefit, a guaranteed monthly income option for beneficiaries, and the policy can be maintained indefinitely. Universal life insurance is one of the most versatile life insurance types available.
With all the available life insurance types, choosing the right one can be difficult. These are the most common life insurance types, but are not the only types of life insurance available to choose from. When sifting through the life insurance types, do your best to get rid of the types of life insurance that you know won’t be fitted to you.

Secrets Your Auto Insurance Company Doesn’t Want You to Know

Many drivers rely on good faith and may not expect to be forced to sue their auto insurance company in order to receive payment for expenses resulting from a car accident.  Typically, most just want to have their car repaired and their medical bills paid.
Unfortunately, the auto insurance attorneys of Michigan Auto Law deal with many car insurance companies on a daily basis that take advantage of their customers by cutting off their benefits without reason or notice. Some insurance companies also put people “under investigation”— the excuse for stopping payment of all medical bills and wage loss. People are being ignored, threatened, intimidated and even lied to by their insurance claims adjusters.
The following are common tactics used by many auto insurance companies to either avoid or minimize their payouts to customers. Suggestions are included on how you can protect yourself to avoid or minimize problems with your automobile insurer.
Many restrictions and limitations are buried in your policy’s fine print:
Knowing how to read and understand the fine print of auto insurance policies is not an easy task. Auto accident lawyers have seen far too many people lose out on important benefits because they were unaware of important filing requirements buried in their policies.  For example, many auto insurance policies pose strict notification requirements, such as 30 days notice for hit-and-run accidents.  Many contracts have separate conditions for uninsured and underinsured motorist coverage requiring very prompt notice, and insurance carriers can change their policy filing requirements at any time.  When car accident victims do not respond to notification requirements on time, they can lose their coverage.
How to protect yourself:  Notify your insurance company immediately after any type of accident. Be sure you have your complete auto insurance policy, including any notification of coverage changes from year to year. This can also include pamphlets or notes that are mailed with renewal statements, reflecting any policy terms and changes.  Most policies include declarations, conditions, insuring agreements and exclusions with conditions.
It’s also important to check insurance policies for any benefits that overlap with your own health and disability insurance; and to review any additional coverage (such as uninsured and underinsured motorist coverage). When receiving ongoing medical care for car accident injuries, having a solid understanding of insurance policies can help ensure that health care providers bill appropriately.
If you are confused with your auto insurance policy and have questions, don’t hesitate to contact a lawyer who specializes in auto accidents – most are happy to offer advice and guidance for your protection.
Insurance agents don’t always recommend the best coverage :
Following a car accident, there can be numerous issues and challenges navigating through your car insurance coverage including health insurance plans, managed care plans, retirement plans such as ERISA, and coordinated/uncoordinated policies.  In addition, insurance agents may avoid mentioning important coverage options and applicable discounts due to payout losses or lower premiums that reduce their commissions.
How to protect yourself: If you are injured in an auto accident, contact an experienced auto accident lawyer who is best qualified to provide guidance on issues of which insurance is primary, and who will pay medical expenses that are incurred after a crash.
An insured person with both ERISA and coordinated insurance may end up recovering nothing for their pain and suffering in the event of an auto accident.
Check your insurance policy for uninsured/underinsured motorist coverage of at least $100,000 per person and $300,000 per accident. If this type of coverage is missing, contact your insurance carrier to add it – the cost is minimal and highly recommended to protect you and your family.
Accident Settlement Offers Are Always Too Low:
Imagine you just suffered devastating injuries from a car accident and are now recuperating at home, in pain, and worrying about how you are going to pay your bills. An insurance agent knocks on your door with a check for $100,000 for your accident. With the emotional and physical trauma following a car or truck crash, a large amount of money sounds great, and some victims rush into accepting the first settlement offer. Yet determining the value of an auto accident case goes far beyond a simple calculation of injury type, future expenses not covered by no-fault insurance and the wrongdoer’s policy limit.  Offering to settle is essentially a backdoor approach by insurance companies to saving litigation costs at the expense of an accident victim’s right to a full recovery.
How to protect yourself:  It never hurts to call an auto accident lawyer and ask for advice.  Many lawyers can explain accident law, what you are entitled to and make sure your own insurance company is paying everything they are supposed to – with no fee or obligation.
Releases and Recorded Statements Are Pushed Early On to Overwhelm Accident Victims:
Many victims rush into signing adjusters’ documents without having the language reviewed by an auto accident lawyer, believing these are just basic verifications of the accident. Therefore, they may lose their right to sue a negligent driver for accident-related injuries. Claims adjusters often try to get recorded statements early, aiming to minimize the victim’s pain and injuries for later use in court. Even vehicle damage releases can contain unrelated language that can jeopardize your other claims.
How to protect yourself:  Never give statements to an accident claims adjuster and never sign a release or allow the adjuster to look at the auto damage.  Simply tell the adjuster that you need to review the paperwork with your attorney and will get back to them with your response.
No matter how desperate you may feel after suffering the financial burden of medical bills, lost wages and disabling pain, involving an auto accident attorney will ensure your rights are protected.  Keep in mind that the claims adjuster works for the insurance company, and has its best interest in mind – not the injured victim.
Standard practice is to deny or delay claim payouts:
Most people suffering injuries from a car accident call their auto insurance company to find out what to do next.  They assume that when they follow the process, they will receive fair, timely compensation for injuries resulting from the auto accident.  After all, they paid for the auto insurance for that reason – to be covered in the event of a car accident.
Most people suffering injuries from a car accident call their auto insurance company to find out what to do next.  They assume that when they follow the process, they will receive fair, timely compensation for injuries resulting from the auto accident.  After all, they paid for the auto insurance for that reason – to be covered in the event of a car accident.
Yet many insurance companies engage in common auto claims adjuster tactics including denying claims, not returning calls, placing people on hold for extensive periods, requiring a victim to repeatedly gather records, and passing you from one adjuster to the next.   Soon the financial burden of time off work and mounting medical bills drives innocent car accident victims to contact an attorney. Or worse, it makes them desperate enough to accept an extremely low settlement offer, limiting any future recovery of damages.
How to protect yourself: If you are experiencing these typical delay tactics, contact an auto accident attorney who can assist you with getting your claim processed and the benefits you are entitled to under your state’s law.
Bottom Line:  If your auto accident involves injuries to you and/or your family (even seemingly minor injuries), consult an auto accident attorney as soon as possible.  Not only will you better understand what benefits you are entitled to, but you will have the peace of mind knowing that you received the full value of benefits and compensation available to injured drivers.

Choose Your Free Insurance Quotes Examine Car insurance Rates On the internet To save cash

During the past, individuals had to help to make many messages or calls or pay a visit to a number of insurance real estate agents of their business office to compare their own rates. Right now it becomes a breeze and you can evaluate automobile insurance price ranges by using an on-line tool every day and night a day. No matter whether you employ classic as well as on the web treatment, clever comparison is essential. Distinct auto insurance firms offer distinct price ranges regarding same policy and each organization offers various charges for various teams. This is exactly why it is crucial to check motor insurance prices appropriately.
Automobile protection is a contract agreed upon by the insurance company and also the covered by insurance celebration where the automobile is covered with insurance for the distinct amount to acquire a set volume paid out, as high quality. You will need to choose the amount as well as the duration of insurance during purchasing that. Insurance coverage may save you from economic loss as soon as the damage of the car caused by a traffic accident, as well as thieves of your automobile. Thus without having wasting your occasion, evaluate auto insurance prices web obtain the most suited policy for anyone.
You might use standard solution to compare auto insurance price ranges. Yet on-line comparability is simpler and much more powerful. There are numerous regarding top reasons to evaluate vehicle insurance costs online.
If you can evaluate insurance plan rates successfully you save a lot of cash. Insurance providers tend to be constantly changing his or her charges to get more competing. They alter his or her rates daily and the typical price could possibly be less expensive within the following month. If you are using on-line evaluation, you don’t need to to go each insurance broker to find rates for your necessary insurance plan and will also enable you to keep your fuel price.
On the web assessment can also help you to not waste time. As it needs a couple of minutes to compare rates of the variety of firms, it can save you your time and energy easily. You need not spend a lot of time to get rates for your needed policy. You need to simply fill 1 type first time and you’ll get the costs involving number of involving primary organizations as outlined by your current prerequisite.
Comparing vehicle insurance prices online is an activity which can be done your most commodious occasion. It can be done at night time, or perhaps during your end of the week, whenever you want. This procedure will help you to make a price comparison and purchase an insurance plan Twenty-four hours a day, a week every week. Often compare quotes on-line!
Use on the web resources to match insurance costs each time you opt to restore your vehicle insurance plan and acquire the most affordable and many suitable insurance policy for a person.

What is Affordable Family Health Insurance?

Many people are mindful of medical health insurance – how it is as well as just what it can offer these. Think about inexpensive team medical health insurance? Do you determine what this really is and the ways to have it? The result lies along with being a member of a group which includes this kind of insurance coverage distributed around the idea. The majority of this typically issues organizations. Essentially an employer will plan to have this kind of insurance policy for their personnel. It is going to type portion of their career package and it is generally offered by bigger companies with bigger costs because of their employees.
Since the majority individuals will want lower health insurance, it feels right striving and becoming the idea from your company if you possibly could. This way you have access to your own protection plans for much less than you’ll if you were to strategy a health insurance carrier just as one personal. The insurance coverage companies look at the entire team instead of in the individual person in it, plus they are usually capable of giving anyone a far more attractive top quality compared to they will have done or else.
Should you confer with your workplace plus they point out they cannot offer low cost group medical insurance, inquire if they can be ready to you will want that. You may need to obtain the assist of some other staff to help you together with your situation, but it is definitely really worth inquiring if it may be established also. A few firms might not have deemed the idea prior to. Lots of people discover the worth of this type of policy being unbelievably good, and the like positive aspects in many cases are better than those given by a straightforward pay out increase. Thankfully that will greater organizations have this kind of benefit today, generating his or her organization more inviting compared to the competitors as far as the task marketplace is involved.
Low cost medical health insurance can be a appealing issue for most people to have in today’s point in time. Even when your individual workplace doesn’t have any offers to provide this type of insurance coverage, it may be that the spouse will get an identical cope. In any case if you are thinking about altering work as well as careers anytime soon, search because of this team package if you’re able to. Every time they visit any kind of probable new job better yet of computer would have been normally. Staying covered with insurance is definitely very important, regardless of what you do or perhaps how old as well as small you are.
The article author is actually Pete Loren that’s working in auto publication. This article is about affordable health insurance and inexpensive group health insurance.

Life Insurance Quotes

Present constituent vivification protection is individual result or rather individual way to the counsel for your close reproduction in your absence. Elementary needs and necessities of your tribe can be met with the meliorate this sentence contract. This would also increase your spirit construction since you terminate bedevilment active the consequences after your termination in their beingness

Among the aliveness protection free, instant statue living protection is fortunate acknowledged because of its low premiums which can be availed by most of the collection. The advantages of this spiritedness insurance are:

-          Coverage is realised because of the shorter damage offered by the policy.

-          Insurer can regenerate the contract sicken

Renewal of sprightliness protection is reasoned as a finer alternative although it is a minuscule overpriced.


The policy holder has the alternative to take or decrement the worship.  If he accepts the worship, he can tally the renewed animation contract without action the scrutiny inquiring.  If the insurance bearer declines the render, he can plant get a new story shelter of his own action but he has to suffer all the typical coating procedures to get his commendation.  Ordinarily, those contract holders who fall the message do not require to pay a higher typewrite of beingness contract.  They instrument follow to the cheaper types with petty costs.

Applying for an fast period being insurance needs particularised requirements.  These are several reasons on how to get cheaper story shelter rates:

1.       An applier has to be ballplayer and growing

2.       A contract capitalist moldiness change the earmark resources to pay its monthly fees

3.       For smokers, they should at slightest resign respiration for over a assemblage to service of this typewrite

4.       Swing individuals must bonk a redeeming driving stress

5.       Any somebody should not be busy in fatal activities

Overcritical malady contract is a chronicle insurance in which the insurer avails a immense assets of money after confirming that he has blistering unhealthiness which he has acquired within the sum punctuation. The contract should love the diagnosed severe unhealthiness as control stating that it is included in the assure which differs for apiece visitor having their own set of guidelines

The avow gets vulcanized exclusive after a licensed expert diagnoses desperate unwellness in the contract holder. As shortly as the endurance punctuation is complete the quantity gift be channel and the turn can be victimized without any restrictions. The policy gets termed formerly the commercialism is prefab by the shelter. The carping unwellness insurance pays the hospital and athlete fees for the pettifogging unwellness diagnosed.

Group who are applying for a life contract for the ordinal second has a false supposition that it is really marmorean to get an support which is mendacious. If the soul passes the examination duty, he can get an support. If he fails to do so, he cannot get a living insurance, but has an secondary.

The individual  doesn't score to tolerate any sort of examination learn up or submit wellbeing check. All he has to do is to fill in the forms and pay the initial payment. He should be financially secure in organization to just the inebriated premiums of the protection

To be healthy to get a cheaper time protection suchlike the present statement chronicle contract, you must supply its better requirements.  Strip rubicund most of the measure because newborn and firm individuals can qualify for change premium rates.

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the right health insurance policy if you’re single

It can be much easier to choose the right health insurance policy if you’re single, as there’s only your own needs to think about. Many single people who are in good health assume that they can get away without private health insurance, but this can be costly if an accident or illness means that you need medical treatment.





Taking out hospital cover is recommended in case you need medical treatment. As a private patient, you can choose to be treated in a private hospital and don’t have to wait for a public hospital bed to become free. You can also have much greater control over the doctor who treats you and when your treatment takes place.

Beyond this, you’ll get the most out of your health insurance if you choose extras that suit your circumstances. For example, you probably won’t have any use for pregnancy-related services if you’re a happily single female and actively avoiding falling pregnant. Likewise, young single individuals won’t see the need for extras aimed at older people, such as joint replacements and cataracts cover. You can lower your premiums by some margin depending on what you’re choosing to drop.
Lifetime Health Cover (LHC)

If you’re under 31, now is the time to take out private hospital cover. Through the LHC initiative, you can lock in the cheapest premiums for life if you take out private hospital cover before the 1st of July following your 31st birthday. After that, you’re subject to a 2 per cent loading fee on top of your premiums for every year that you delayed beyond you were thirty, so it’s in your interests to take it out as soon as possible to minimise your loading fees or to avoid them altogether. If you look to take out couples cover further down the line, your loading fees are factored in with your partner’s, so if you have low loading or none at all, your combined loading fees would be more manageable.
Medicare Levy Surcharge (MLS)

If you have an income of over $80,000 in the 2011-12 financial year (up from $77,000 for the 2010-11 financial year) and haven’t got private hospital cover with a registered health fund, you’ll be obliged to pay an additional tax in the form of a Medicare Levy Surcharge. The threshold for single individuals changes to $80,000 for the 2011-12 financial year, so you can earn up to this and still avoid the MLS. Private health insurance is definitely something that you should be looking into if you don’t already have it – not just for avoiding the extra tax!

Many single people don’t feel they need private health insurance, especially if they’re generally fit and healthy, but this can be a mistake. If you find yourself ill or injured and needing medical treatment, with only your own income to rely on, could you afford to meet the often eye-watering bills associated with shortfalls that Medicare alone doesn’t cover?

There are also other financial reasons to arrange private health insurance (especially private hospital cover) while you’re still young as both Lifetime Health Cover and the Medicare Levy Surcharge are intended to encourage you to sign up with a health fund rather than rely soley on the public healthcare syste

You need to exhaust your PIP benefits before your health insurance kicks in

If you’re involved in a motor vehicle accident, it’s important to understand the relationship between your PIP (personal injury protection) and health insurance.


PIP is your primary coverage as it pays 100 cents on the dollar for your health care – health insurance does not. You need to exhaust your PIP benefits before your health insurance kicks in. Once your PIP runs out, provide your health insurance carrier with an “exhaustion letter.” This basically explains that there is no more PIP coverage left and your health insurance needs to start covering your medical bills.

The process of dealing with PIP vs. health insurance carriers is daunting – especially in the aftermath of an accident that caused you injury. But following these steps will save you a lot of headache down the road:

1. Immediately following the accident, provide your PIP information to your health care providers.

2. Every few weeks, request a copy of the PIP ledger from your auto carrier to see how much PIP coverage you have left.

3. Once you are approaching your PIP limits, provide your health care providers with your PIP ledgers so they can start billing your health insurance carrier.

Arranging health insurance as a couple can be a challenging proposition

Arranging health insurance as a couple can be a challenging proposition as there are two sets of needs being taken into consideration when deciding how extensive your coverage should be. Here’s what you need to know if you’re thinking about taking health insurance as a couple.




There is less hassle involved in comparison to taking out two separate singles policies. You’ve only got the one policy to manage with one set of premiums and if a claim needs to be made, you only need to do this on the one policy. Because these type of policies are aimed directly at couples, you can make savings in comparison to both having policies that lean more towards individuals.

Lifetime Health Cover

Lifetime Health Cover (LHC) allows you to lock in base rate premiums if you take out private hospital cover before July 1st following your 31st birthday (otherwise known as your base date). If you take out private hospital cover after this, loading fees of 2 per cent are added onto your premiums. As a couple, the situation can be complicated if both partners have different LHC loadings:

If only one partner has had continuous hospital cover since their base date (and the other has LHC loading)

Your combined premiums will work out as an average between the base rate premium and the LHC loading. For example, if one of you has no LHC loading but one of you has a LHC loading of 4 per cent, your premiums as a couple will average out at 2 per cent.

If both partners have LHC loadings

If you’ve both got LHC loadings, your premiums are the average of the two loadings. For example, if you have a loading of 4 per cent while your partner has a loading of 6 per cent, your combined loading will be 5 per cent.

If you’ve both taken out private hospital cover before your base date, you can often still switch to couples insurance without compromising your base rate premiums.
The Medical Levy Surcharge & The Rebate

Most Australian taxpayers pay a 1.5 per cent Medicare levy but if you’re a higher earner who hasn’t arranged hospital cover with a registered health fund , you’re also subject to an additional Medicare Levy Surcharge (MLS). The income threshold for the 2010/11 financial year was $154,000 for couples or families and will change to $160,000 for the 2011/12 financial year. The surcharge was previously set at 1 per cent but in line with plans to means-test both the MLS and the health insurance rebate from July 2011, both will operate on a sliding scale.

For couples/ families who have a joint income of below $150,000, the 30 per cent rebate should be unaffected (35 per cent for those aged 65-69 and 40 per cent if you’re over 70) and you won’t pay an MLS charge.
For couples/families who earn between $150,001 and $180,000, the rebate decreases to 20 per cent (25 per cent for those aged between 65 and 69 and 30 per cent for those over 70) and the MLS charge is 1 per cent.
For couples/families who earn between $180,001 and $240,000, the rebate decreases to 10 per cent (15 per cent for those aged between 65 and 69 and 20 per cent for those over 70) and the MLS charge is 1.25 per cent.
For couples/families who earn over $240,000, no rebate will be on offer and the MLS charge is 1.5 per cent.

If the proposed changes to the MLS make you think twice about taking out hospital cover or keeping your existing cover, think about the potential downsides if you do drop your hospital cover. Private health insurance has several key benefits that you may well miss if you ditch it. It’s much more extensive than Medicare benefits alone, has shorter waiting times attached and doesn’t require you to wait around for a bed to become available in a public hospital.
If You’re Planning a Family

Bear in mind that most health funds impose a 12-month waiting period before you can access the benefits so it’s no good waiting until you’re pregnant before you look for appropriate coverage. If you start your search some time before you think you’ll need the cover, there’s a good chance that you’ll have already served out your waiting period and will be able to access the full benefits.

It may be better to switch to family cover after a first pregnancy is confirmed so that the baby is covered after the birth. For some health funds, you may need to have been paying premiums for family cover for several months prior to the birth to ensure that this will definitely be the case but check with your health fund to confirm their position.

If you’re planning to start a family in the not-so-distant future, there may be other things to take into consideration when choosing your health insurance policy.

If you’re a cohabiting couple, it can be cheaper to arrange couples insurance that features both of you on the same policy. For hospital cover, Lifetime Health Cover loadings can complicate how much you’ll pay if you’ve waited beyond your base date to take it out. If you’ve yet to take out hospital cover at all, the Medical Levy Surcharge is intended as a big incentive for couples in the higher earning brackets as it enables you to avoid the additional tax.

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Tips to Find Free Kids Health Insurance in Florida

If you are looking for free Florida health insurance for your children, you will be please to learn 3 ways to find free kids health insurance in Florida. Many states offer complimentary healthcare for children and the Sunshine State is no exception. It usually requires a little work to track down the information on these
plans so a listing of 3 ways to find free kids health insurance in Florida is very valuable. Put this comprehensive list of 3 ways to find free kids health insurance in Florida to work now for you and your family.

Tip #1

Children's Medical Services Network is for children having special care needs. It is designed for children from birth to age 18 and is administered by two different state government departments, depending on if the care needed is behavioral or physical.

Tip #2

Florida Kidcare Medicaid program is completely free to children whose families fall under the income guidelines. It is for children from birth to the age of 18.

Tip #3

The third way is actually almost free, but the good news is many more families are eligible for it. Premiums are only $15 to $20 per month for most families. The programs are divided by age and are called Medikids for those from ages 1 to 4 and Florida Healthy Kids for those ages 5 to 18.

Compare And Save To Find Cheap

Kids Health Insurance In Florida

Even if you know the 3 ways to find free kids health insurance in Florida, you may still want to check the rates being offered by various companies to make sure you are getting the most comprehensive coverage for your child.

If you find that you are not eligible for any of the above, you definitely want to get quotes on Florida individual health insurance. It is surprisingly affordable, especially for kids. You can get quotes to compare in no time by using a free online quote tool from an independent comparison website.

Get started comparing kids health insurance options today!

Article Source: http://EzineArticles.com/1307549

two-tiered healthcare system hurts kids

At a legislative level, the political crusade to reduce government “to the size where they can drag it into the bathroom and drown it in the bathtub” is brilliantly self-sustaining. Both Republicans and conservative Democrats hold up the evils of “Big Government” (read: the non-military/security parts of government) as the rationale to reduce resources for popular programs and when those underfunded programs subsequently underperform, they cite the failure as reason to further demonize government, thus beginning the whole cycle anew.


This now-standard and now-bipartisan Neoliberal Formula is sophistry masquerading as tautology — and it has profound real world effects. The latest example of that truth comes from a new University of Pennsylvania report that exemplifies how the formula has helped embed an insipid “Separate and Unequal” doctrine within America’s healthcare system.

Published in the New England Journal of Medicine, the Penn study had researchers pose as parents calling physician specialists in Cook County, Ill. The only variable in the calls was insurance status — some callers said they had public insurance, others said they had private insurance. Here’s what they found:

Sixty-six percent of publicly-insured children were unable to get a doctor’s appointment for medical conditions requiring outpatient specialty care including diabetes and seizures, while children with identical symptoms and private insurance were turned away only 11 percent of the time… The study also found that [publicly]-insured children who received an appointment faced longer wait times to be seen.

These numbers are particularly striking, said the Penn researchers, “given the association between socioeconomic disadvantage and poor health status” — an association which means kids covered by public insurance have a disproportionately greater need for specialty care than their privately insured counterparts.

Whorush: 5 sites by this AdSense ID

The connection between the Neoliberal Formula and kids being discriminated against on the basis of insurance type is rooted in reimbursement rates paid to physicians.

As both parties have used anti-government arguments to slash taxes, public revenues have predictably dried up. With states under statutory obligation to balance their perpetually strapped budgets, Medicaid reimbursement rates have been regularly put on the chopping block in legislatures, creating ever-widening disparities between what physicians are paid by private insurance and what they are paid by public insurance. (For instance, in Illinois, where the study was conducted, researchers found “an office consultation visit for a problem of moderate severity is reimbursed at $99.86 by Medicaid-CHIP, whereas the average reimbursement for the same code by a commercial preferred-provider organization is approximately $160.”) Considering the ugly economics, it’s no surprise physicians are less eager to accept public insurance patients.

Hence, the Separate and Unequal disparities — disparities that will likely be cited by Republicans in Washington as proof that public insurance programs are inherently bad and therefore need to be even further defunded. Indeed, the infamous Ryan Budget proposes big cuts to Medicaid and the Children’s Health Insurance Program that would likely result in further reductions in reimbursement rates.

And so the cycle, the disparities and the Neoliberal Formula continue in perpetuity. As I said, it’s a brilliantly self-sustaining ideology, proving that in the era of paradox politics, self-sustaining and self-destructive often go hand in hand.

Reasons Health Insurance Companies Should Roll Back Rates

Insurers, awash in billions of dollars in record profits and excess capital, should give consumers their money back

The health insurance industry continues reporting record-setting profits while socking consumers with unjustified and excessive rate hikes. Today, Health Care for America Now (HCAN) called on the Wall Street-run health care profit machines to accelerate the consumer rebates required by the Affordable Care Act and immediately give back billions in premium overcharges to families and businesses.


Year after year insurance companies have imposed double-digit premium hikes on America's families and businesses to pay for their excessive profits and financial shell games.
The insurance companies say that their premiums reflect costs, but that's simply not true. Rates have gone up by an astounding 131% since 1999. That's twice the rate of medical inflation. It's also three times greater than wage growth, and it's busting family budgets and employer balance sheets.

Fortunately the Affordable Care Act is changing things. Under a consumer protection provision in the new law, the Health and Human Services Department estimates that insurers will owe up to 9 million customers as much as $1.4 billion in 2011 rebates payable next year. The new rule - called the medical-loss ratio - sets a minimum percentage of premiums (80% for individual and small group plans and 85% for large group plans) that insurers spend on actual medical care instead of wasteful overhead, excessive profits and bloated CEO salaries. Companies that fall short of the minimums must rebate the money to consumers.

Some insurers in California, Connecticut and North Carolina have already rolled backed rates, declared premium holidays or issued direct refunds. The rest of the industry should do the same nationwide.

Here are five reasons why insurance companies can and should roll back rates now:

1. Insurance company profits have gone too far.

Through the economic recession and its aftermath from 2008 to 2010, the combined profits for UnitedHealth Group Inc., WellPoint Inc., Aetna Inc., Cigna Corp. and Humana Inc. increased 51 percent.

In the first quarter of 2011, the combined profits of the five companies, which cover one-third of the U.S. population, surged 14% to $3.6 billion. If the trend holds, they'll rake in a record $14.4 billion in profits in 2011.

2. Premiums are going up while medical spending is going down.

Premiums have risen 131% since 1999 for families with employment-based insurance. America's Health Insurance Plans (AHIP), the insurance industry's mouthpiece, likes to blame customers for rising premiums. People who buy health insurance have the annoying habit of using it when they get sick. But premiums have increased at twice the rate of medical inflation.

And, as a percentage, insurers are spending less of our premium dollars on actual medical care, and more on administrative costs like lavish CEO pay, marketing, lobbying, and the care-denial bureaucracy. The ratio of medical to administrative costs is known as the medical-loss ratio. In the first quarter of 2011, Cigna led the industry in finding ways to avoid covering actual health care - the share of premiums Cigna spent in the first quarter on medical care dropped to 77.3%, an extraordinary 5.6 percentage-point decline from 82.9% a year earlier. Aetna trimmed its health care costs from 81.1% of premium revenue to 77%. And Humana reduced its patient-care spending rate by 3.5 percentage points.

3. CEOs Spend Billions on Dividends and Stock Buybacks to Boost Share Prices and Enrich Themselves.

Record profits and reduced health care spending don't tell the whole story. Insurance companies use other Wall Street tools to quietly direct customer cash into their own pockets. For instance, insurers bought back $1.8 billion in their own stock in the first quarter - a practice that reduces the number of shares available in the market and boosts stock prices.

Since 2003, the five largest for-profit companies have allocated $66.9 billion in customer cash to buying back their own stock to reward insiders and Wall Street investors. So far this year, share prices for the five health insurers have risen 38% to 52%, compared to less than 3% for the broad market index. This benefits CEOs who hold large stakes in their own companies and who get bonuses, stock awards and stock options for guiding share prices upward. Buybacks do nothing to improve public health, make insurers more efficient or reduce premiums.

The five big for-profit health insurers have been so profitable that they're shoveling it back to investors. WellPoint announced that it plans to pay $400 million in dividends this year, while UnitedHealth plans a dividend of $449 million and Aetna expects to pay $230 million.

4. Insurance companies hoard cash in the name of "solvency."

In addition to excessive profits and stock buybacks, insurers have also been building massive capital reserves. On December 31, the nation's for-profit and nonprofit health insurance companies were holding $97.3 billion in risk-based capital to cover unexpected medical claims - six times more than state regulators require, according to Citigroup Global Markets.

5. While insurance companies are awash in cash, families and businesses are barely getting by.

It's unconscionable that insurance companies continue to impose double-digit premium hikes on America's families and businesses to pay for their excess profits and financial shell games at a time when consumers and employers are struggling in this tough economy.

At the end of this year, the new health law requires insurers to square up and pay us back for their excesses. But insurers shouldn't wait to give back our money. They should start paying consumers their rebates right now.
Source: http://www.huffingtonpost.com/ethan-rome/five-reasons-health-insur_b_882770.html

Please Help Me Win A 16,000 Pesos Trip For Two To Baguio

To all my readers and friends: please vote for me at Facebook to win a prize of 16,000 pesos free trip for two to Baguio. My youngest daughter has not visited Baguio yet and I want to surprise her with the free trip. You can vote for me at this link:

https://www.facebook.com/home.php?sk=question&id=10150200644396199&qa_ref=nqc&post_id=10150201943701199&notif_t=question_answer_comment

I would appreciate it very much if you can vote for me. Thank you so much and God bless.


Mel Avila Alarilla

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Happy Birthday To Rose Cottrill And To Rossel Encarnacion Dacio

Rose with children- Rylie and EJ



A romantic pose with hubby



Rose with Rylie. Like mother, like daughter



Rossel with hubby. You and me against the world.



Rossel with hubby. Barbecue time na.



Happy family day with hubby and baby RJ



Red roses for our beautiful mommies- Rose and Rossel



Happy birthday to two of the most beautiful and friendliest mommies in Bloglandia



Happy Birthday to Rose Cottrill and Rossel Encarnacion Dacio. May you both have many more blessed and abundant birthdays to come. May the Lord grant you and your family with bountiful blessings and graces the whole year through. God bless you all always.