health insurance

How to Select South Carolina Health Insurance

September 4, 2015
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South Carolina health insurance is fairly easy to find and shopping for it online will be the best way to access a good policy which is also affordable. These days, most people who are trying to save money on the cost of these policies will review different policies from an assortment of insurance companies. They’ll also collect quotations for the policies that they are interested in.

Once they’ve gathered all of this information, they’ll be able to move forward by selecting the most appealing deal.

Now, let’s talk in more depth about how to select this form of insurance. These shopping tips below has been provided to us, and are designed to empower you as a consumer…

How to Get Started

First off, think about your situation. Are you looking for a mortgage loan? If so, you should know that most banks ask their borrowers to buy mortgage loan insurance before they’ll grant mortgages. If you do need a mortgage, you should check with your financial institution and find out how much mortgage loan insurance is required or requested. Typically, banks want borrowers to have insurance which equals or exceeds the values of their properties.   

Next, think about if you’d like to buy an insurance policy from someone like For example, if you have purchased other forms of insurance from a particular insurance firm in the past, you may wish to patronize that company again. If you want to branch out, look up insurance companies online and see what customers have to say about them. Online feedback will help you to establish the reputations of insurance firms.

Another tip is to create a digital document which contains all of the information that you collect online. For example, when you visit an insurance company website and find a policy that you might like to buy, copy its name and price into your digital document. You should be able to get an instant quote for this policy via an online quote generator at the website.

Once you’ve collected four or five quotes and policy names, you’ll be ready to select the one that’s best for you. By scanning all of the information in your digital document, you’ll be able to find something truly affordable at just a glance.

Now that you know some of the secrets of getting a great deal on insurance, you’ll be ready to shop for a home insurance policy online. Once you’ve found the right policy, you may have the option of applying for it online.

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Arizona Health Insurance

July 29, 2015
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Arizona health insurance Marketplace is run by the federal government and is also called an Exchange.  In response to the Affordable Care Act the Marketplace was created to help uninsured people get coverage.   It is designed to help those who:

  • Don’t have insurance
  • Aren’t insured by an employer
  • Don’t qualify for government medical assistance
  • Self employed
  • Not covered by a spouse’s insurance
  • Have Pre-existing conditions

Health insurance is a contract with a company to cover your medical expenses in exchange for paying a premium regularly.   The purpose is to avoid large medical expenses.  Arizona health insurance is no exception to the fair exchange and market of insurance or federal law.  According to federal law, you are penalized 2% of your household income or $325 per person for not having health insurance.  This creates a problem for many people in Arizona who need insurance but don’t know how to get it.

Those seeking to obtain Arizona health insurance may qualify for financial help by purchasing insurance through or   Additionally Arizona has the Arizona Health Care Cost Containment System (AHCCCS) to help people qualify for Medicaid.  Individuals have to meet certain criteria in order to qualify for Medicaid but with the Affordable Care Act, obtaining may now be available to those who didn’t qualify previously.

Since the Affordable Care Act more than 475,000 people who were uninsured now have Arizona health insurance.  In order to get insurance you will need to present your social security number, W-2 statements, policies of anyone covered in your household and citizenship status.   All Arizona health insurance sold at the Marketplace is sold by private companies.

There are four types of plans sold on the Marketplace.   There are the bronze, silver, gold and platinum packages.  The difference in the plans is how much your deductible or co-pay is.   Within these plans are different types including:

  • HMO- Health Maintenance Organization is a plan where you can only be treated within a network except in an emergency.
  • PPO- Preferred Provider Organization is similar to an HMO where you can see doctors outside of your network for an additional fee and do not need referrals for outside specialists.
  • POS –Point of Service is a mix between HMO and PPO
  • EPO- Exclusive Provider Organization is where you are limited to the doctors and hospitals in which you can be treated but don’t need a referral to a specialist.

Deductibles and co-pays will vary from company to company so when looking for affordable Arizona health insurance make sure to do your homework and know what works for your financial situation.

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Helpful hints for finding the best California health insurance

July 29, 2015
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The Affordable Care Act was supposed to make it a lot easier to find and invest in the best (and the cheapest) California health insurance around, but because of a variety of different reasons we won’t get into right now, it is still quite a bit of a challenge for people in California to find health insurance that makes sense for them and their budget.

And that’s why we have put together this quick guide. Hopefully you will be able to take advantage of the information below to find the best California health insurance available from at a price point that you feel comfortable with. The helpful hints below should serve to point you in the right direction when it comes time to purchase health insurance, or (at the very least) give you a little bit of extra insight into the overall process.

Are you under the age of 26?

If you are 26 years old or younger, you will still qualify to be placed under your parent’s health insurance (assuming that they have a health insurance policy themselves.

This is part of the federal mandate that was a major part of the Affordable Care Act, and provides those 26 years old or younger the ability to take advantage of very inexpensive health coverage – and in many cases completely free health coverage – as part of their parent’s protection.

Do you qualify for Medicaid assistance?

Those that are older than 26 years of age or those that do not have parents with health insurance coverage are going to want to see if they qualify for some type of Medicaid assistance.

The overwhelming majority of states in the US expanded Medicaid coverage as part of the Affordable Care Act, and California was one of the states that expanded Medicaid coverage by a significant margin. You’ll want to see if you qualify for some type of Medicaid assistance to help defer or even completely eliminate the cost of health care coverage, giving you the protection that you’re looking for at a price point that you feel comfortable with.

Do you require emergency coverage/high deductible HSA compatible insurance plans?

Lastly, you’ll want to look into an emergency coverage or high deductible HSA compatible insurance plan that boosts your out-of-pocket costs while significantly reducing the amount of money that you spend every month on healthcare insurance premiums. California health insurance plans can give you the level of coverage that you’re looking for without making the upfront cost too unbearable in the process.

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