Posts Tagged ‘insurance company’

Insurance Jargon Discussed and Decoded

Insurance Jargon Discussed and Decoded

Accidents come about. It is just a fact of lifestyle. Safety is the most effective prevention, but occasionally the inescapable cannot be prevented. Getting insurance plan is a worthwhile investment for defending you and your liked ones. Nevertheless, acquiring insurance plan of any sort can require a whole lot of jargon that is not normally easy to grasp. Just before taking the leap into month-to-month payments, teach your self so that you get a system that is effective most effective for you. An insurance plan agent can assist fill in the gaps, but down below is a team of phrases to turn out to be acquainted with. Even if you presently have a system, this tutorial can assist you much better understand the terminology.

General Terms

A top quality is the volume of revenue that will have to be paid to the insurance company who delivers coverage. This rate is ordinarily owing on a month-to-month basis. To attain a decrease top quality, shop all over for the most effective probable quote and attempt to sustain a very good credit score record. The deductible is the part of revenue that you, the policyholder, will have to pay in the circumstance of an incident. The insurance company is then liable for masking the remainder of prices. Usually, greater deductibles outcome in decrease premiums. If you make your mind up to go this route, make absolutely sure that you have adequate revenue set aside to include your greater deductible. A declare is a request produced by the policyholder if an incident happens. This request is for prices to be protected by the insurance company. The adjuster is the individual who analyzes a declare and delivers recommendations for a settlement dependent on the injury and plan. Favored Threat is the term for when…


Be the first to comment - What do you think?  Posted by admin - August 31, 2017 at 2:59 pm

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Cigna Collaborates With Doctors to Improve Care for People Fighting Cancer | Business Wire

Cigna Collaborates With Doctors to Improve Care for People Fighting Cancer | Business Wire

Photo by: Hunter Bryant / Unsplash

BLOOMFIELD, Conn.–(BUSINESS WIRE)–Cigna (NYSE: CI) continues to expand Cigna

Collaborative Care, its value-based physician engagement and

reimbursement model that uses incentives to help drive improved health,

affordability and patient experience. The company has more than 220 of

these arrangements nationally, mainly with primary care doctors, but

also with specialists

in the fields of obstetrics/gynecology, orthopedics, gastroenterology,

general surgery and cancer care.

Three medical practices have recently joined the cancer care initiative:

These arrangements support the medical practices’ commitment to follow

evidence-based medicine guidelines for cancer care, as well as their

efforts to expand access to daily acute care with same day appointment

availability, after-hours care and after-hours clinical advice,

including 24/7 access to clinical triage staff.

The three groups have each designated an oncology care coordinator to

assist patients and ensure their care is properly coordinated.

Cigna provides each group with a single point of contact – a

collaborative care associate – to assist the practices’ oncology care

coordinators with information about their patients’ Cigna medical

benefits. Additionally, Cigna offers oncology case management services

for customers and their families who might need additional education or

help coordinating resources outside of the oncology practice.

“We’ve had much success

with our collaborative care arrangements for large primary care

physician groups,” said Bhuvana Sagar, M.D., the Cigna medical director

who provides clinical oversight for the company’s oncology collaborative

care arrangements. “Now we’re applying that successful model – which

includes a care coordinator employed by the medical practices, and

incentives that compensate physicians for the value of the care they

deliver – to drive similar improvements in quality and cost of cancer


The care coordination component of Cigna Collaborative Care for cancer

treatment consists of multiple components, with the medical practices

managing the treatment and Cigna providing extra support and information

to help:

  • Comprehensive and collaborative education to enable patients and

    caregivers to make informed decisions regarding treatment options

  • Routine symptom, disease status and functional assessments

  • Proactive care coordination, which includes inpatient management and

    assistance with discharge planning for all hospital admissions, as

    well as care planning and post therapy outreach

  • Hospice care coordination, which assists patients and families with

    advanced care planning and palliative care services

  • Access and referral coordination, during which the oncologist and the

    oncology care coordinator are the primary contacts for the patient

    while in treatment, with 24/7 access to a practice affiliated clinician

Cigna Collaborative Care for cancer treatment is part of the company’s

commitment to have 50 percent of payments in alternative payment models

and 90 percent of payments in value-based arrangements by 2018. Other

specialty initiatives include episodes-of-care arrangements for

maternity care, hip and knee surgery, gall bladder surgery and

colonoscopy, as well as pay-for-performance maternity care arrangements.

Cigna also plans to launch episodes-of-care programs for cancer care and

heart surgery.

Value-based arrangements come in a variety of forms that reward

physicians for the quality and the value of the care they provide. In a

pay-for-performance model, physicians are compensated for achieving

specific quality and cost targets. In an episodes-of-care arrangement,

they are compensated for all of the care they provide related to a

specific procedure – for example, a hip replacement – including a

defined time prior to the procedure, the procedure itself, recovery and

follow-up care for a defined time after the surgery.

Cigna also has value-based collaborative arrangements with 96 hospital

systems comprising more than 360 hospitals.

About Cigna

Cigna Corporation (NYSE: CI) is a global health service company

dedicated to helping people improve their health, well-being and sense

of security. All products and services are provided exclusively by or

through operating subsidiaries of Cigna Corporation, including

Connecticut General Life Insurance Company, Cigna Health and Life

Insurance Company, Life Insurance Company of North America and Cigna

Life Insurance Company of New York. Such products and services include

an integrated suite of health services, such as medical, dental,

behavioral health, pharmacy, vision, supplemental benefits, and other

related products including group life, accident and disability

insurance. Cigna maintains sales capability in 30 countries and

jurisdictions, and has more than 90 million customer relationships

throughout the world. To learn more about Cigna®, including links to

follow us on Facebook or Twitter, visit

About Cedars-Sinai

Cedars-Sinai is a leader in providing high-quality healthcare

encompassing primary care, specialized medicine and research. Since

1902, Cedars-Sinai has evolved to meet the needs of one of the most

diverse regions in the nation, setting standards in quality and

innovative patient care, research, teaching and community service.

Today, Cedars-Sinai is known for its national leadership in transforming

healthcare for the benefit of patients. Cedars-Sinai impacts the future

of healthcare by developing new approaches to treatment and educating

tomorrow’s health professionals. Additionally, Cedars-Sinai demonstrates

a commitment to the community through programs that improve the health

of its most vulnerable residents.

About Northwest Georgia Oncology Centers, P.C.

Northwest Georgia Oncology Centers, P.C. (NGOC) is a recognized leader

and innovator of community-based cancer treatment and patient-centered

care. As the largest community-based, independent cancer practice in

Georgia with 10 cancer centers throughout Metro Atlanta, the NGOC team

is committed to sustaining and strengthening the accessibility, quality

and value of community-based medical oncology practices through

influencing public policy, national advocacy work, a robust clinical

trials program, and via partnerships like its newly formed alliance with

Cigna Collaborative Care. NGOC is one of the first oncology medical

homes in the nation to be accredited by the American College of Surgeons

Commission on Cancer based upon its excellence in the areas of patient

engagement, expanded access, evidence-based medicine, comprehensive

team-based care, and quality improvement. To learn more about the

advanced cancer treatment provided by the NGOC team, visit

About Oncology Consultants

For over 33 years Oncology Consultants has been committed to providing

state-of-the art cancer treatment in a caring environment. Led by Dr.

Luis T. Campos, this 14 physician practice serves the Greater Houston

area by offering a broad range of cancer treatment programs including

Clinical Trials, Retail Pharmacy, Radiation Therapy, and Diagnostic

Imaging. Oncology Consultants is dedicated to treating our patients in

their communities. Through our 10 locations across the Houston area, we

strive to be highly accessible to our patients and those who care for

them. For more information please visit

or call 713.600.0900.

Be the first to comment - What do you think?  Posted by admin - August 6, 2017 at 4:06 am

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Use of Prescribed Opioids Down Nearly 12 Percent Over 12 Months Among Cigna Customers | Business Wire

BLOOMFIELD, Conn.–(BUSINESS WIRE)–Since announcing its commitment

to combat the nation’s opioid epidemic last year, Cigna (NYSE: CI)

has made significant progress toward reaching its goal to reduce opioid

use among its customers with the help of health care providers. Within

the last 12 months, Cigna customers’ use of prescribed opioids has

declined nearly 12 percent – about halfway to achieving the company’s

goal of 25 percent reduction by 2019.

While Cigna has adopted a multi-pronged response to the epidemic that

includes multiple stakeholder groups, the key to this initial progress

has been Cigna’s work with doctors, especially those that participate in

its Cigna Collaborative Care arrangements.

To date, 158 medical groups participating in Cigna Collaborative Care,

representing nearly 62,000 doctors, have signed Cigna’s pledge

to reduce opioid prescribing and to treat opioid use disorder as a

chronic condition.

“The opioid epidemic is far too big for any one person or organization

to fight alone. Success will require the efforts of multiple

stakeholders,” said Cigna President and CEO David Cordani. “We commend

those who have joined the battle with us. Our collective steps are

making a notable difference in the lives of our customers and their

families. The decline in opioid use that we have seen in just one year

is encouraging and reinforces how much more we can accomplish as we

continue to work together.”

Cigna assists doctors in preventing, recognizing and treating opioid

misuse by:

  • Analyzing integrated claims data across pharmacy and medical benefits

    to detect opioid use patterns that suggest possible misuse by

    individuals, and then notifying their health care providers. This

    helps identify individuals with substance use disorders more quickly

    so they can get the help they need.

  • Alerting doctors when their opioid prescribing patterns are not

    consistent with the Centers for Disease Control and Prevention’s (CDC) guidelines

    that include opioid selection, dosage, and duration.

  • Establishing a database of opioid quality improvement initiatives for

    doctors that can help them determine next steps for improving patient

    care, including referrals into chronic pain management or substance

    use disorder treatment programs.

Cigna is also implementing additional customer safety measures in

support of the CDC guidelines. Effective July 1, most new prescriptions

for a long-acting opioid that are not being used as part of treatment

for cancer or sickle cell disease, or for hospice care, will be subject

to prior authorization, and most new prescriptions for a short-acting

opioid will be subject to quantity limits. According to the CDC, drug

overdoses are the leading cause of accidental death in the United

States. Of the overdose

deaths that occurred in 2015, 63 percent involved an opioid.

“As a country, we have developed an overreliance on opioids to manage

pain. If we’re going to break the opioid epidemic, we need to change

that culture,” Cordani said. “Helping doctors become more aware of their

own prescribing patterns and the effectiveness of non-narcotic

alternatives for pain management is key to helping our customers have

better health outcomes. For those who have become dependent on opioids,

we need to treat them as compassionately as we would someone suffering

from any other chronic disease and help them with recovery.”

Cigna continues to work closely with Shatterproof, a national nonprofit

organization dedicated to reducing the devastation that addiction causes

to families and the stigma associated with this disease. A Cigna

Foundation grant helped the organization launch a comprehensive online

portal earlier this year. It has the most up-to-date, evidence-based

information on how to understand, prevent, intervene, treat, and recover

from substance use disorders.

About Cigna

Cigna Corporation (NYSE: CI) is a global health service company

dedicated to helping people improve their health, well-being and sense

of security. All products and services are provided exclusively by or

through operating subsidiaries of Cigna Corporation, including

Connecticut General Life Insurance Company, Cigna Health and Life

Insurance Company, Life Insurance Company of North America and Cigna

Life Insurance Company of New York. Such products and services include

an integrated suite of health services, such as medical, dental,

behavioral health, pharmacy, vision, supplemental benefits, and other

related products including group life, accident and disability

insurance. Cigna maintains sales capability in 30 countries and

jurisdictions, and has more than 90 million customer relationships

throughout the world. To learn more about Cigna®, including links to

follow us on Facebook or Twitter, visit

Be the first to comment - What do you think?  Posted by admin - May 11, 2017 at 2:33 pm

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Top Health Insurance Companies

Top Health Insurance Companies

Buying a good and affordable health insurance plan in today’s world seems like a tough task. The cost of health insurance is increasing day by day due to the rise in the cost of health care in the US. A simple visit to the doctor’s clinic can cost around $200 to $300 and if the matter is serious, the patient can expect a large medical bill if he/she doesn’t have health insurance. The best way to be safe is to get an affordable health insurance plan that suits the investor’s profile, but for that the investor has to select a good health insurance company first.

Top Health Insurance Companies in USA

There are many health insurance companies in the US, but not all of them can be called the best choice for people. Today, people don’t need expensive plans, they need plans which can fit in their budget and protect them from uncertain situations. The following names stand out because they understand the thinking of an average American and make sure that he/she gets a plan that they can fit in their portfolio. Here are some great options.

Aetna International

I think most readers wouldn’t be surprised to find Aetna’s name on the top, after all it is the most popular health care service provider in the US. The company offers medical, dental, vision and life, disability and special insurance plans for students, pets, overall wellness, behavioral health care and pharmaceuticals and so on. Majority of the plans offered by the company are targeted towards serving individuals and their families, and some plans are focused towards various types of businesses in which employers offer health coverage plans for individuals.

BlueCross BlueShield Association

The BlueCross BlueShield Association is the parent company of 39 different companies which are independent, community based and locally operated for the benefit of American citizens. This company originated in the year 1929 in the land of Texas and was started especially for teachers as a non-profit health insurance plan. Almost 99 million people in the US are members of the BlueCross BlueShield Association and the company boasts an excellent track record for providing quality and affordable health insurance plans to its members. The company offers dental and medical coverage everywhere in the nation and some of their best plans are Health Reimbursement Arrangement (HRA) and Health Savings Account (HAS). The company has its operation in all the 50 states of the country including the District of Columbia and Puerto Rico. 97% of the hospitals and 90% physicians in the country are signed with the Blue Cross and Blue Shield Association. All the 39 operating companies under the BlueCross BlueShield Association are independent, which means that there is no A.M. Best Company Rating for the entire company. However, every independent company of the BlueCross BlueShield Association has always bagged A Rating when it comes to customer service.


Founded in 1977, UnitedHealthcare today is one of the biggest names in the business of health insurance. Since the inception of the company, their main goal has remained the same; providing affordable and quality health insurance to US citizens. Today, UnitedHealthcare and its sister concern, Uprise Incorporated, serves more than 20 million people in the United States. They have tie ups with more than 5000 hospitals and over 4000 physicians. Their network has spread in all the 50 states and the company has received excellent reviews from many critics for its constant effort to bring in new and improved plans for its members. They offer disability, health, life, vision, dental and pharmacy plans for US citizens.

CIGNA Corporation

Another big player in the market of health care, CIGNA serves more than 10 million people in the US. CIGNA is an acronym used for a joint venture between two companies, INA (Insurance Company of North America) and CG (Connecticut General). These companies were formed in the year 1700 and 1800 respectively, which makes this joint venture one of the oldest companies in the US. They provide some excellent dental, medical, vision, behavioral, life and disability plans for clients. More than 15 million people are members of this company and the company has a large fan following in Canada as well.

Humana Health Insurance

Another name in the list of the top health insurance companies of the US. The working style of this company is very different from all the other health insurance companies. Humana has a very different approach and its health insurance plans are especially designed and fall into four categories; Group Health Insurance, Medicare Plans, Individual Health Insurance and Specialty Benefits. The company also provides consumer focused health plans which are aimed to provide maximum benefit to the members. They offer their services in 27 states mostly in the Eastern part of the US. They have an excellent rating from critics and the company is gearing up for some international expansion plans as well.

Well Point, Inc.

Well Point, Inc. is another big player in the world of health insurance. It provides affordable health insurance plans to more than 35 million people in the US. The company very well follows their motto, ‘Improving lives of the people we serve and the health of our community.’ They have a long history of providing affordable health insurance plans for people who can’t afford a big cover for their health. The company is one of the few privileged ones who give the best returns to its customers. Due to their excellent working style and a genuine effort to provide the best health insurance to America, Well Point, Inc. stands tall in this list.


Assurant Heath, founded in 1982, is a subsidiary of Assurant Insurance Company founded in 1969. The company is based in New York and has international operations in Germany, Spain, Italy, Denmark, United Kingdom, Canada, Brazil and Argentina. Assurant Health provides short term health insurance policies to people as well as students. Over 1 million people are covered by Assurant health insurance policies and the company has more than 200,000 agents throughout the country to provide the best service to its customers.


UniCare is also a very familiar name in the health insurance market and now it is owned by Well Point Inc. This organization is focused on delivering quality products to its customers which are more than 13 million in number. They offer various health services such as health, life, pharmacy, dental and disability which are specially designed to satisfy customers from all walks of life. The company uses all its resources in making low-cost plans which an average man can afford.

GroupHealth Cooperative

GroupHealth Cooperative is a non-profit consumer driven health care organization which has been catering to the needs of people in Idaho and Washington since 1947. The company is considered a leader in delivering scientific driven health care products to people. GroupHealth Cooperative offers health plans for senior citizens, kids, parents, teenagers and government employees. They also have a very impressive task force which is appointed to make sure that the customers don’t face any difficulty in understanding the plans.

Mega Life and Health Insurance Company

This company is based in Oklahoma and caters to the needs of the American people. It also offers various health insurance to families and individuals through their special plans which are designed to make life comfortable. Its special plans aim at dental, vision and disability.

The US is one of the biggest countries in the world and it would be quite unfair to name just 10 health insurance companies. Here’s a list of some more big players of the health insurance market.

  • Harvard Pilgrim HealthCare
  • TUFTS Health Plan
  • Health New England
  • ConnectiCare
  • Kaiser Group Incorporated
  • HCSC Group
  • Coventry Health Care
  • The Regence Group
  • Health Net
  • Universal American Health Corporation
  • The Lifetime HealthCare Companies
  • WellCare Health Plans, Inc
  • Metropolitan Health Group
  • Green Valley Health Care
  • Geisinger Health Plan
  • HealthPartners

Health insurance companies are constantly developing new plans especially designed for customers benefit. People who want to opt for health insurance are advised to read all their terms and conditions very carefully and if they face any problems understanding the financial terms, help from a financial consultant should be taken.

Be the first to comment - What do you think?  Posted by admin - May 7, 2017 at 4:50 pm

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Should You Pay Your Car Insurance Premium Monthly?

Should You Pay Your Car Insurance Premium Monthly?

Photo by: Scott Webb / Unsplash

If you are purchasing and insuring a car for the first time, you may have a big surprise in store when you see your first yearly or bi-yearly premium payment invoice. For the average person who lives on a monthly budget, it can be very challenging to come up with a large amount for car insurance each year or every six months. For some people, that may be an excellent option, because of the way they receive their income, but for others, it may cause quite a hardship and put a big hole in the bank account.

One of the reasons that many people prefer to work with their insurance companies to arrange for a monthly payment rather than a lump sum payment is because of budgeting issues. It can be somewhat difficult to save up each month for that payment, because your bank account will reflect a higher amount that you can actually use. Some people fall into the trap of spending what is in the account before remembering that they are saving for a specific payment for their car insurance, and that can make it very difficult to come up with enough money to pay the premium when it comes due.

By dividing the payment into equal monthly amounts, you can more easily work it into you budged. Many companies have gone to the paperless statements and the online billing, so you don’t even have to worry about getting the monthly statements in the mail or writing and mailing off the check. You can access your account online at any time and you can set up automatic withdrawals from your checking account so that your payments are never late.

One of the reasons that some people don’t switch to a monthly car insurance premium payment is because their insurance company charges a small fee if they don’t just make the yearly payment. If you are looking for a new insurance company that offers cheap car insurance, you will want to be sure to find out if they charge an additional fee to switch to monthly payments.

You may not have thought about this next reason it may be a good idea to switch to monthly car insurance payments. If you are paying by the month, you can be more flexible about changing auto insurance companies whenever you wish. Did you know that many people will get married and buy a car and sign up with an insurance company and stay with them for the rest of their lives? This is great loyalty, but times do change, and the car insurance companies have begun to be much more competitive than they have ever been.

Many companies in the arena mean that there are more options for you. It may even be that your current car insurance company offers lower rates to attract new customers. If this is the case, you may be able to negotiate a lower rate in order to stay with them. Many companies try to compete with fewer fees or lower premiums for similar coverage. By shopping around, you will be able to determine whether your current company has the best prices or if you are ready to switch to another company.


Be the first to comment - What do you think?  Posted by admin - May 6, 2017 at 6:52 pm

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Health Insurance Contracts – Contract Basics

Health Insurance Contracts – Contract Basics

Photo by: Hunter Bryant / Unsplash

Insurance contracts are binding and legal contracts in which there is a legal agreement made between two or more eligible parties where specific coverage will happen in exchange for the cost of the health insurance premium. The two parties involved in health insurance contracts are the applicant seeking the insurance coverage and the health insurance company that will provide the coverage. Applicants must be of the legal age of consent and be considered mentally competent. The carrier in question must be state authorized to put together insurance contracts and the insurance representative must be licensed as per the state regulations.

While it is not law that the policies be in writing, contracts are always put in writing because of their complexity. So many details need to be discussed and written out in order to ensure the insurance contract meets the satisfaction of both the applicable and the insurance company involved. Each state has regulations and laws that dictate basic insurance contracts and their provisions. This is why such contracts are often of a rather form letter format and any additions must be in the form of riders or exclusions.

Health insurance contracts are always divided into four basic parts:

(1) Title page- the title page or the policy face is the page on which all the pertinent details such as the policyholder's name, the policy's terms and limits, the dates the monthly premium is due as well as the dollar amount of the premium Are listed. This facilitates ease in finding the important dates and amounts as well as the highlights of the health insurance policy.

(2) Conditions- this page gives specific details to the expectations and rights of both the insured person and the health insurance company in question.

(3) Insuring clause- this the page that highlights the insurance company's promise to covered losses incurred that are detailed in the policy's coverage in exchange for the policyholder's faithfulness in complying with the policy terms and payment of the monthly premium agreement.

(4) Exclusions- a list of risks and details that the insurance company will not cover, meaning things that are not included in the insurance medical coverage policy.

Valid insurance contracts are legally binding on the part of both parties, the applicable or policyholder and the carrier providing the coverage. Applicants agree to the monthly premium and the terms of the insurance contracts while the insurance companies agree to pay for the costs that are specified under the coverage plan.


Be the first to comment - What do you think?  Posted by admin - May 5, 2017 at 10:48 am

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Why Work With an Insurance Adjuster

Why Work With an Insurance Adjuster

Photo by: Hunter Bryant / Unsplash

No matter where you live, what you drive or where you work, accidents are a part of life. Some of them you can see coming and know there is little you can do to stop them, while others come out of nowhere and shatter the world you know and replace with an entirely new reality. In each scenario, you can easily feel overwhelmed and ill-equipped to face the process of rebuilding. Thankfully, one does not have to face these situations alone. These are situations for an insurance adjuster.

An insurance adjuster‘s job is to work with you and the insurance company to get a settlement that everyone can agree with. Depending on whether they represent the insurance company or you, the client, they will work towards getting that entity the best possible outcome. As such, when you are the victim, it is best to have an independent adjuster who has your back and is willing to fight for your needs.

The Job of an Insurance Adjuster

When you are dealing with an accident or natural disaster that leaves you in need of an insurance adjuster, it is vital that you understand their role in the scenario, as well as your own responsibilities.

Your Job

  • Gather any paperwork you have on hand that pertains to the situation.
  • Have pictures of before and after, if at all possible.
  • Be civil and willing to listen and let the adjuster do the talking.
  • Never make the first offer!
  • Document everything. Write down facts, numbers, times, and anyone you speak with; considering recording these elements as much as possible.

Job of the Insurance Adjuster

  • Inspect the damage. This is the first step regardless of the type of accident or disaster.
  • In the event of an accident, they will review any police reports and speak to any witnesses
  • Inform the insurance company of the details of the accident or disaster.
  • Ascertain where liabilities lie
  • Compile a damage report so that financial losses can be assessed.
  • Be the intermediary between the parties involved
  • Determine the appropriate amount of compensation

Keep in mind that in your first interaction with an adjuster that you will likely need to give a recorded statement and if the claim is of a medical nature, sign a medical release form. Consequently, if you are not prepared to make a statement immediately following the event, it is acceptable to ask for a short period of time before talking.

When you do your part correctly and provide the adjuster with the information they need, then you can be better reel you presented and get what you need to move forward from the situation. Take your time, talk things through calmly and -eventually- your adjuster can help you move on to the other side.


Be the first to comment - What do you think?  Posted by admin - May 2, 2017 at 4:23 pm

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Auto Insurance – Understanding the Different Types of Collision Insurance

Auto Insurance – Understanding the Different Types of Collision Insurance

Photo by: Samuel Zeller / Unsplash

When choosing auto insurance there are several options to keep in mind when trying to build a policy that best suits your needs. Everyone knows that in almost all of the states, to drive a vehicle legally, you must have at least liability coverage on your car – but what about other types of insurance? Well, one of the most important options is your collision coverage.

If you finance a vehicle for purchase or lease, your lender is going to insist that you have collision coverage, and the more the better. For example, in the state of New Mexico, if you were to lease a Cadillac, the company responsible for the lease will likely insist that you purchase the maximum collision coverage available. There are levels of collision coverage that you must become familiar with to make the correct choice for your situation.

The least amount of collision offered would be called the “Limited” option. If you choose this option and you rear-end another car, which would be your fault, your Limited policy would pay nothing. If you got rear-ended, making this the other person’s fault, you would pay your chosen deductible, and then the insurance company would pay the rest. So, if you are better than 50 percent responsible for a collision and you have Limited collision coverage, you foot the bill.

The middle of the road collision choice is called the “Standard” option. In this instance, if you broad-side another car or they side-swipe you, you will be responsible for your chosen deductible, ranging anywhere from $250 on up to $1000. Basically, with the Standard option, what you pay is the same no matter whose fault the accident is. Some states offer a zero deductible choice, but the premium rates would be considerably higher. The Standard collision option is most commonly chosen by the average driver.

The highest and most expensive collision option is called the “Broad Term” option. In this instance, if you are responsible for the collision–or at least better than 50% at fault, you will be responsible for your deductible and the insurance company will cover the rest. If you are not at fault for the collision and you have Broad Term collision coverage, you pay nothing. The insurance company would pay for everything for you at 100%.

Also keep in mind that the insurance company is only responsible to cover damages up to the value of the car. So, if you really get into a huge pile-up and your car is crushed and will cost more to repair than its actual value, it will be declared totaled–just food for thought.

So, shop carefully for your auto insurance policy, choose your options wisely, be a safe driver, and make sure that you are covered as best as your budget allows.


Be the first to comment - What do you think?  Posted by admin - at 11:46 am

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Questions About Dental in Health Care Reform? Delta Dental Offers Online Resource Center

San Francisco, CA (PRWEB) November 06, 2013

Delta Dental of California and its affiliated companies announced today a new online resource center to help small groups and consumers negotiate the twists and turns of dental benefits under health care reform.

As consumers, employers and dentists maneuver through the federal and state exchanges shopping for health care, questions abound regarding dental coverage: What is the difference between embedded, bundled and stand-alone dental plans? How do these differences affect the consumer experience, and which plan offers the best coverage to meet a consumer’s specific needs?

Providing pediatric dental and adult dental options in 15 state health exchanges plus the District of Columbia, Delta Dental of California and its affiliates are in a good position to answer the questions group and individual purchasers have about how dental fits under health care reform. That’s why the new Health Care Reform Resource Center is now available at

“Navigating through the changes brought about by the ACA can be confusing, both for individuals looking to purchase coverage as well as for employer groups and dentists,” explained Belinda Martinez, Delta Dental’s senior vice president of Sales and Marketing. “As an experienced and knowledgeable dental benefits provider, we’ve developed not only straightforward, ACA-compliant plans, but also this new educational web resource designed to put helpful information at users’ fingertips.”

Information is grouped by each audience on the Health Care Reform Resource Center — individuals, large businesses, small businesses, dentists and brokers.

The group of companies, which includes Delta Dental of California, Delta Dental Insurance Company, Delta Dental of New York, Inc. and Delta Dental of Pennsylvania, offer between them stand-alone PPO dental plans in the District of Columbia plus 15 states: Alabama, California, Delaware, Florida, Georgia, Louisiana, Maryland, Mississippi, Montana, Nevada, New York, Pennsylvania, Texas, Utah and West Virginia. DeltaCare® USA, a prepaid dental plan, is available in California, Florida, Maryland, Nevada, New York, Pennsylvania, Texas and Utah, as well as D.C. (Offerings are subject to change; purchasers should visit the appropriate exchange for their state for the most up-to-date information.)

Delta Dental of California, Delta Dental Insurance Company, Delta Dental of New York, Delta Dental of Pennsylvania and their affiliated companies under common management provide dental benefits to more than 26 million people in 15 states, including the District of Columbia, and Puerto Rico. All are part of the Delta Dental Plans Association (DDPA), based in Oak Brook, Ill.

Be the first to comment - What do you think?  Posted by admin - April 28, 2017 at 4:08 pm

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Some Reasons Why You Should Consider Getting Pet Insurance

Some Reasons Why You Should Consider Getting Pet Insurance

Photo by: Lee Campbell / Unsplash

Veterinary visits average for most pet owners to be about twice a year. The cost for these visits will be about two hundred and fifty dollars. Owning a cat is often cheaper. When an animal need special visits and medication for a visit this can cost a lot more.

If you do have a pet that requires extra care, health insurance can be great to have. It is nice to be covered for other services as well, such as an emergency. Pet health care is similar to your health care. There are yearly or monthly premiums and reimbursement for covered services.

Looking for the right health insurance provider for you pet can be simplified by using the internet. You can compare the different companies and receive quotes. When finding the best price, make sure the provided care is enough.

Comparing the different companion animal health insurance companies can help you find the right one for you and your pet. Make a list of the things you want from the insurance company to help you choose. Write down the things that matter most to you, such as low deductibles. Make sure the company covers the things you need as well.

When you make your list of what you need from an insurance company, figure out which things are the most important. Many of the insurance companies out there will not offer everything that you want. It is important to buy a policy that is affordable as well.

One of the best ways to shop for pet health insurance is online. You can search the individual websites to find policy details. The company that will fit you and your animal the best is going to be the one that covers the things you need it to. The most important services need to be covered without overcharging on the premiums.

One of the most important considerations when choosing the health insurance for your pet is whether or not the veterinarian will accept it. Contact your veterinarian and find out if they accept the insurance before you purchase it. They might be able to recommend a good insurance company as well. An unusable policy will not help you or your pet.


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