YOUR |
YOUR |
by
Lin Stone
.
Smart Shopping Shopping around for an individual health policy can save you big money because no two health insurance companies will look at your data in the same way. Consequently, any time your data changes your rates could change. Therefore, it makes sense to search out at least three or four options to consider each time you are wanting health insurance. You will want to start your search with companies giving quotes within the price range you feel comfortable with – remembering that you will want ALL THE INSURANCE YOU CAN AFFORD – just in case you ever need to use it. | With the price of gas zooming through the roof it makes more sense than ever to buy your business cards from us. You can design your own right online and we deliver right to your door. You could save a fortune on all your printing needs. Business cards can fill dozens of uses when they are this good and cost so little. |
As you go from company to company you will notice that policies can range dramatically in what they cover and cost, so make sure you get the best plan that fits your needs for the best price. Beware of all the extras that can be added to your policy, almost as an after thought and one at a time so you don't even notice the price going up. If you don’t need them they will cost you more money than protecting your expenses. Contact several groups and sit down with an agent to compare all of them. If you are like me – slightly less than wealthy -- Your goal is to find a policy that will protect you from large medical costs like hospitalization and emergency treatment. Make sure you understand the policy thoroughly and make sure it is what you need. Relying on what the agent tells you isn't always safe because the company is only bound by what the policy SAYS. If you aren't sure what that policy says, ask your lawyer to go over it with you. You don’t want to find out later that it didn’t cover something you needed. |
Take A FREE LookThere is usually a “free look” clause that allows you some time to review the policy at home and make sure it fits your needs. Be sure to ask if your final choice has this option. That way, if you decide it isn’t what you want you can return it and get refunded your premium. Make sure to watch out for single disease policies, these are very disease specific and usually not needed if you have a regular medical plan. Most major medical plans cover all diseases that are acquired after the purchase of the insurance. Pay particular attention to WHEN each part of the policy becomes effective. Sometimes your protection will be waived on certain coverages – or even excluded altogether for various periods of up to a year or more. One thing to check for -- especially if the insurance representative filled in the application for you -- is that all your responses are true. How well I remember losing the privilege of being insured by the company I preferred because the agent had put down an only slightly perverted copy of my response. Remember This: ANY company can decline the policy you submit if some of the information was not properly disclosed on the application that was required. | Have you ever wanted to generate $1,000's worth of exposure by writing and submitting your own press releases? The competition is fierce, with only the very best press releases making it to the editor’s desk, much less into the hands of the public. How can you rise above all others and make your press release gleam in the eyes of the publisher? All you need is a dash of researching skills, a pinch of creative talent, and a sprinkle of media insight, and you’ve whipped up a blue ribbon recipe for a results-oriented press release. This extremely well-written report shows you every step of the way, with examples and cautions that help produce professional copy every time. More than how to write, this book delivers great instruction on how to submit, how to research, format of your contribution, and ways to ensure your copy is considered first on the next issue. |
About the author: Independently less than wealthy, Lin Stone is an author, writer and photographer living in Mena Arkansas among the gentle mountains known as Ouachita. His writing has appeared in almost one hundred magazines and Browzer Books has published seven of his books so far with more in the works.
Basics * Examine Your Choices * Explaining HMOs * An In-Depth Look At HMOs * What is a PPO? * Your POS Plan, In Detail * Smart Shopping * Exclusions and Limitations * Live Better and Save More * Your Bad Habits Can Kill Your Pocketbook * Lessons From Your Lifestyle * For The Working Family * COBRA can Save You * Go Overseas and SAVE a Bundle! * Contact the Owner of this Site * Explore Everything on this Site
Read the fine print: My two lawyers say I must warn you to see a lawyer before trying any of the strategies in this book. You are my witness; I have told you. “Consult with a lawyer before you try any of these techniques.”
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