Category Archives: Individual Insurance
Health and Financial New Year’s Resolutions
Well, Happy New Year to 2012 and people are dealing with new years resolutions or NOT. We all fall into one or the other camp and we all have things in our life we want to improve. Improving our health is always a topic for Texans and all Americans. Even if you are in “good [...]
Life Insurance in Texas As A Savings Plan
When talking about life insurance to Texans, I like to touch on the person’s big financial picture and how they would like to see it given a real persons life and circumstance. Saving money is the first lesson most people started out learning as a child and it continues on through a person’s entire life. [...]
September is Life Insurance Awareness Month (LIAM)
September is Life Insurance Awareness Month. This is a promotion “tool” but one that everyone should at least consider. That is, ask the questions, do you need life insurance, or if you have it, are the people you want to protect adequately covered? Think about other family members and inquire if they have life insurance [...]
Individual Dental and Vision Insurance
These are most often thought of as group benefits (Insurance obtained at work. (Work Place)) But they can be obtained for individuals and families. The following with talk of Dental and Vision coverage and give a link where I can help Individuals get a quote for Insurance coverage and apply on line. Dental Insurance Dental [...]
Out-of-Network Rates
The common advice given to people with health coverage is to make sure your doctor is in network. Plans have IN and OUT of network coverage. Talking of PPO (Preferred Provider Organization) plans, your benefits are richer for the user in network vs. out of network. Consumers know they will have to pay more to [...]
May Is Disability Insurance Awareness Month (DIAM)
I believe my job is to help people protect or try to “cover” risk in life. Disability Insurance (DI) is an area we all should at least look over and be aware of. According to the numbers this is “the” risk that affects the most people, whether we want to think about and evaluate it [...]
Deductibles | Co-Pays | Out of Pocket Maximums
Most people look at health insurance first by the deductible on the plan. For example, my plan has a $1,000 deductible. But what does this really mean and is there more to this? In short this is a good starting place for a PPO or even a new HSA type plan, but there is a [...]
Life Insurance Reality Check
Insurance Fundamentals 101 September was life insurance awareness month, so if you haven’t already, you should do a check up on your life and disability/long term care insurance. Just think of it like doing standard maintains on your car. See the worksheet on page 5 of this 8 page pdf, “What You Need to Know About [...]
No Health Insurance At Work? What Can You Do?
I will talk about the options in what is called the individual market for Health Insurance vs. the Group Market (Company provided health insurance) I will also put up a copy of a short video that is part of a nice series of videos sponsored by Humana, one of the country’s largest health insurance companies [...]
Disability Insurance Awareness Month
May is (was) Disability Insurance Awareness Month (DIAM), the perfect time for disability insurance “reality check.” Take this opportunity to make sure you’d be OK financially in the event that a disability keeps you out of work for an extended period of time. Social Security Disability Insurance benefits are available for the US Government, but [...]
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