Do you have Medicare?  Do you understand it?  While working in a hospital doing regular insurance billing I was asked to switch over to handling Medicare.  I didn’t care to.  But even then I had to deal with Medicare and I have to admit that I never did understand it.  Now I am at the beginning of getting my Medicare, not because I am old enough, but because I qualify for it because of a disability.  My spouse is about to go on disability through his job but will also apply for regular disability, and although I could stay on his health insurance, don’t see much sense in paying for Medicare and health insurance through his work.  The problem is that I have to look for a prescription plan through Medicare and then the fact that even then my medicines will not all be covered.

Medicare has what they like to call a ‘coverage gap’, where they won’t pay for medicines, although the beneficiary (Medicare recipient) pays for the premiums.  Anyway, once you AND your prescription insurance plan have reached the total payments of a bit over $2,000.00; they won’t pay again until the total cost of medications reach just over $4,500.   Hm, does this sound good?  Makes me wonder what all the people on Medicare are doing to be able to afford that gap.  Do they just give up taking their medicine for the rest of the year?  It’s true that you can get ‘extra help’ but that isn’t for everyone and those who are eligible have a really low income.  The extra help is just for the prescription plan premiums, not help in being able to afford medicine during the coverage gap.

I recall my Mother telling me that one of her prescriptions, the top antibiotic, cost $500 and she telling my sister not to buy it.  She was in her coverage gap period and she was not about to pay that much for one prescription.  I’ve got to find out how much my medicines cost for one year and see how long I’ll have to go off of my medicine.  Although, being bipolar doesn’t mean not taking medications will kill me, it might drive my family insane instead.

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I’ve never been anywhere other than the Bahamas, but even then didn’t consider the fact that if something happened to me over there, that my medical insurance company wouldn’t cover it.  I’ve read that medical treatment overseas is much less than it is in the states, but even so, a major operation or treatment could still run into the thousands.  Most insurance companies won’t cover you out of the country.  What would happen if your luggage got lost, other than being inconvenience.  Would your insurance pay for it’s replacement, and which insurance company would that be?  A lot of my family members have been traveling to Cancun, but I’ll bet it never entered their mind to get travel insurance either.  The Travel Insurance Center ca show you the different kinds of insurance that you may need while out of the country, as well as helping you to find the best values for them.  They are an accredited business and as you may realize, these companies can’t stay in business should they steer you wrong.  That won’t happen with this company and it would be a very wise idea to go and visit them before you make another trip out of the US.

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Term, Whole, Variable or Universal are all different types of life insurance that you can buy.  Term life means that the policy is active for a specific number of years that you can choose yourself.  Whole life is the kind that continues your entire life until you die.  Variable life insurance is where some of the premiums are invested and any dividends paid are given to you.  The Universal means that you can add on money to your premiums that you would like invested.  Whatever kind of  life insurance you’re interested in, please keep in mind that your family will likely be counting on the money in order to pay for your funeral and to help them continue being able to afford to pay the bills.  It is nothing but smart to get this insurance.  But figuring out where to start looking for some is not so easy.  Life Insurance Agency dot com can get you quotes for all of these types of insurance, then it’s up to you to choose which one to go with.

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Lately I’ve been looking around for insurance and usually this involves getting a life insurance quote from various companies.  Naturally I am doing this online because this is the easiest way to do it but not always the best way.  However, I’m never sure what company to look for, so I visit sites that offer to find an insurance company for me.  Wholesale Insurance dot net is one place that a person could look, but not if they use tobacco.  They have no classes for tobacco users, and they have four different categories for people looking for life insurance.  These classes state things like minor health problems, length of time not smoking, cholesterol levels, blood pressure, cardiac conditions etc as qualifiers.  A few days ago I was looking around for some life insurance for my husband and I don’t know if I dreamed this or if it were real, but the figures were up close to $800.  It really pays to look around and get quotes from different sources.  But here’s one you can start with.

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In the past I worked at a hospital insurance section but was always interested in coding.  One of the reasons for this is that you can do this kind of work at home.  The Allied Health Institute offers online medical coding training courses which take nine months to complete.  You do the work online which is a relief for many whose home life is just too hectic to run out every night of the week.  This particular job is one well worth investing in.  Contact Allied Health Institute to find out more information.

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Did you know that you can get an auto insurance price quote online?  2Insure4Less dot com is a company offering quotes on ten different kinds of insurance.  Want to know why there is such a discrepancy between insurance costs from company to company?  You can find out there as well.  They really have some good explanations for why that is, and I wanted to know that one myself.  Click on the icon to get a quote for whichever type of insurance you want a quote on.

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Not long ago my family received an offer of $2,000 free life insurance through our bank.  It doesn’t particularly please me that they are handing out our mailing address to others and maybe I can call them and request this to stop.  Regardless, the insurance company also offered large amounts of insurance coverage with no exam and I chose $200,000 for my husband.  The thought of his passing on is a little worrisome as his income provides for paying most of our bills and all I get is disability, which as everyone should know, is not enough to live on.  I thought that I had marked off the box where I had chosen the $200,000 and only picked the free $2000.  However when I checked my bank account I found out that a premium had been taken out.  I visited my bank and asked them to return the money and stop further deductions.  They contacted the insurance company who insisted that we send them a written request and refusing to stop it otherwise.  After getting really annoyed I decided to leave it as was.  But I had already asked my bank to return the money, which they did.  Just yesterday we got a copy of the policy along with a letter from the bank stating the money was returned as well as a letter from the insurance company stating that they had cancelled the policy since it had not been paid.  It was confusing but I was not really concerned.  However, if you are looking for no exam life insurance, you may not have any idea where to start looking online, or else you’ve been to a few sites which wanted all kind of information from you which you may not want to give.  Many of these insurance companies also want you to have a medical exam depending on how much insurance you want.  That is awfully inconvenient.  We did that before and we did have to wait several months before a nurse was sent out to our home to take the required medical history and blood test. I visited a site called wholesaleinsurance dot net which gave me some interesting information on life insurance, especially quotes.  They state that some sites that offer quotes are not giving you the whole truth; that the quote actually means nothing to the company offering it as it never is the end result for the insurance that you want.  They are going to change the costs in other words.  Who needs that!  Their site gives you factual and truthful information as well as it will find you information on the best insurances and even for smokers, the lowest prices.  The fact that they gave this information impressed me and it makes me more willing to consider their offers for insurance.

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Surely people might realize by now that disability claims have risen exponentially in the past several years.  The reason behind this has to do with the amount of baby boomers who are getting older as well as advances of knowledge within the medical world.   Years ago people did not know anything about manic depression, schizophrenia or other mental conditions and if it was spoken of, it was in hushed tones and knowing looks.  But disability insurance is just one of those parts of life that are so important to the lives of the American people.  These people would otherwise be unable to afford housing, food, medicine and other necessities, let alone some of the little perks that make life worthwhile.  I receive disability and if were stopped or even dropped down, once my husband was unable to work any more I doubt that we would be able to afford just the regular cost of living expenses.  I never wanted to be in this position, but when we were young we couldn’t see ahead and didn’t realize how important it was.  When we did realize it, too much time had passed to really have time to save much before retirement comes around.  And because the Social Security Administration routinely turns people down when they apply for disability, I highly recommend consulting with an attorney for help in acquiring it.  Years ago my Father applied because he was unable to work at all due to a very bad heart condition.  I read the report that the doctor had written about it and believe me when I say I was thoroughly alarmed as I had not realized how bad off he was.  They turned him down!  That was a shock.  It took him either three or five years to get his, so obtaining help with your denial is a must.

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Did you ever schedule a trip, paying for your airplane tickets, hotel room, and car rental ahead of time and have to cancel due to some unforeseen emergency or other situation where you just were unable to go?  Usually you are out of these prepayments and that can often be a very large amount.  But if you get some travel insurance you are going to find that even if you do not get back 100% of your costs, you will not have to make any co-payments or deductibles.  There is also medical travel insurance for when you travel out of the country.  Did you know your medical and car insurance will not cover you in another country?  What can be worse than going overseas only to find yourself  in an accident or coming down with some debilitating disease that prevents you from returning home, and on top of that to find out that your insurance won’t cover your medical bills.  For those people who have saved up for years to be able to afford a trip like this, one of these incidents can be devastating.  Keep this from happening by buying some of this insurance.  It is a safety net.

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