Don’t we all have some pre-existing condition? To quote from an unknown author, “No one is perfect…that’s why pencils have erasers.“ So what is a pre-existing condition? Imagine you contact your car insurance agent on a Monday morning to tell him you want to take out car insurance to pay car repairs. The car is now in the garage being fixed because […]
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Buying Health Insurance is Like Buying a Car
Bells and whistles on a car increase the cost. So it is with health insurance. Adding benefits only increases your premiums. One way to lower premiums is to increase your deductible and decrease the amount of benefits.
Do you realize your health care plan may not cover you in Canada?
Is traveling to Canada from the U.S. for the Vancouver Winter Olympics considered an international trip? Yes. Your U.S. domestic health insurance plan – whether it is individual, group, Medicare or Medicaid – will not cover you in Vancouver for medical evacuation. They may cover doctor and hospital visits, but they won’t cover you for medical […]
What’s the Difference Between an Insurance Agent and and Insurance Broker?
An Insurance Agent is usually the representative of one company. Good agents focus on helping clients understand the insurance products of their company. An Insurance Broker represents the client and not a specific company. Brokers, because they have contact with many companies, can offer a wide variety of products. This helps clients find the best […]
What is a Pre-Existing Condition and Will My Health Insurance Cover It?
Never lie on your health insurance application. You will be asked about your medical history because the insurance company is looking for pre-existing conditions. This short blog will tell you what a pre-existing condition is and how it will affect your ability to get affordable health insurance.
Waivers and Riders – What are those?
I’ve been thinking about “waivers” and “riders” and how that might affect a young woman with a busted knee when she tries to buy health insurance. What are her options?
