Long ago, in a television series called “Hill Street Blues”, Sergeant Phil Esterhaus used to end each briefing session with the words, “Hey, let’s be careful out there.” It was dangerous thirty years ago when the show first aired. It’s still dangerous today. So often, when you pick up a call on your cell phone [...]
When trying to get small business insurance for a bar, tavern or any other place that sells alcohol, the most important thing is to plan everything ahead. By selling alcohol to the public your business automatically engages in a higher degree of risk that has to be assessed right from the start. So when you’re [...]
Even the states whose politics make the idea of “Obamacare” unacceptable are feeling the pressure to begin thinking about insurance marketplaces. As the federal law deadlines edge closer, states must either create their own exchanges through which citizens can buy their policies or face the threat the federal government will offer their own version. Why [...]
There can be times in your life when you need a temporary health insurance option to help you and your family. It may be while you are in between jobs or while you wait for another group policy to begin, but if you no longer have access to COBRA coverage or if you need a [...]
You cannot be sure that you’ve gotten the best health insurance coverage unless you understand health insurance terminology. Here are some of the most commonly used terms in the health insurance industry. COBRA: The Act that allows for continuation of group coverage for a limited time after you leave the group. Co-insurance: The amount you [...]
Health Savings Accounts (or HSAs) have become a very popular form of health coverage these days because of their tax deduction policy and the ability to accumulate additional funds as a retirement plan. However, despite the numerous benefits customers get with HSAs, the main reason for thousands of Americans to choose this form of insurance [...]
The great temptation whenever you start shopping around is to assume you can afford to buy whatever you are looking for. It comes from those long-lost days when credit card companies would write you every month with good news about your borrowing limits. You were tempted into more debt, but it meant never really having [...]
There are times when you get an overview and then it hits you, “Somethings just don’t add up.” Well, you remember Wellpoint, don’t you? This is the friendly company that, around January or February, announced it was going to increase premium rates by up to 39% in a number of states around the Union. President [...]
Well, after all the excitement and the best efforts of the GOP to say “No” loud and long enough to make a difference, the President signed the healthcare reform into law. The partisans are now into the equally exciting game of trying to decide whether this is the greatest victory since Abraham Lincoln, with a [...]
