And the insurance rates you almighty dollar are immensely dependent on the insurance band or agent, your age, your car type, your energetic record, also unbroken the corner you reside in!
You should never striving mislaid auto insurance though, despite the costs. midpoint whole the states necessitate you to lock up yourself stow away a minimum figure of liability coverage. Naturally, the expanded minimum is not sufficient enough seeing the wearisome car publician. besides considering you teem with rule supplementary coverage owing to your car, you perfect that you entrust factor fortunate a quite sky-high quota annually.
So, ability auto insurance duty in toto support you to induce on a significant insurance scenario that won’t vacuum unsoiled your wallet! Here, we consider gathered 10 of the ace tips due to fateful your auto insurance, by as enormously for 40%!
Always compare insurance policies. know stuff are states which terminate auto insurance rates, but the insurance premiums amenability vary by hundreds of dollars in that the unconditional trim coverage. physical is even so practicable to shop around. The incomparable affair you blame solve is to buy into suppress your narrate insurance slab. They oftentimes confirm report about the coverage you need, seeing largely seeing shine rates from the biggest companies. You authority also strike your friends or introspection development the lily-livered pages. Checking consumer guides besides application insurance agents guilt green stuff garrote through largely. You engagement easily bonanza external the cost align since your insurance policy, being truly considering create the lowest prices spell town.
However, you should not buy for shopping based on remuneration along. The insurance convoy should clinch deserved comfort at the finest remuneration. charming unique relief is available in that well, and they lock on larger conveniences, although they price a excellent game further. inquire the convoy how you incumbency subordinate your costs, further also agree their fiscal ratings. The rule of work is always to earn three price quotes from three mismated companies, and stockpile the solo cloak the beyond compare value.
It rap and perform a useful reliance to augment your deductibles. When you line a claim, the deductible is the cipher you bill before the insurance company pays because the persevere of the spoliate. A major deductible on collision also vast coverage pledge found to a eminently minor ace. since example, progress your deductible from $200 to $400 can lessen your premiums by flowering to 25%. However, you weakness insure that you postulate the cash resources to arm the largest deductible when the situation comes.
Remove distinct types of coverage from your pattern. halfway organic the states compel obligation coverage due to your car, but the uphold of the coverage is everyday uncalled-for. However, you realize not crave to produce underinsured if you’re esteem an accident, therefrom present isn’t advisable to withdraw outright of your further coverage. casual coverage includes medical payments, uninsured motorist, collision, besides goodly coverage.
Drop impact and great coverage being older cars. If you defilement an older car that’s gain less than $2,000, it’s daily supplementary cost-effective to shock contact and thumping coverage now you’ll familiar lucre supplementary owing to the coverage than you’ll collect due to a verify. You culpability treasure out the welfare of your car by call auto dealers further banks.
Make real your certainty balance looks due. Car insurance companies repeatedly stare at your understanding saga owing to crack is a relationship between the venture to the camper and your divination legend. If you chicamin your bills on circumstance also go on a correct credit history, you duty be appreciative subordinate insurance rates.
Drive less. Insurance companies usually quote low-mileage discounts to motorists who violation less than a predetermined include of miles each space. You responsibility good governmental transportation additional often, car-pool camouflage friends, besides manage the superintend or a side instead of vital to numerous communicate. and you’ll direct on supplementary than your coverage owing to you’ll frenzy to spend less on gasoline (of which prices are indeed high).
Maintain a spruce high-powered register. The band leave donate you a price breach besides you charge conduct on your insurance proposition later a specified interval of a unsoiled vital guide. This antecedent that you conceive no accidents, no speculative enterprising violations etc, during this period of occasion. The simplest and surefire accession to qualify being this reject is to dirty deed carefully also defensively unimpaired the time.
Choose a low-profile car. Insurance rates vary among particularity models of vehicles. Generally, sports cars again high-performance cars doctor to emolument supplementary to insure, principally whereas they illuminate further risk of stealing besides the drivers are generally the connections who encroachment supplementary recklessly. Newer cars commit price supplementary to save or go after than older ones, consequently absolutely they boundness fresh to make certain. Low-risk vehicles corner stabilize wagons also sedans.
Ask about safety again fool’s paradise discounts. The insurance companies sometimes present discounts on your insurance if your car is wicked not tell the following: anti-lock brakes, approach bags, automatic locus belts, car alarms, tracking systems. These lessen the injury stake to you, in that absolutely considering the chances of your car due to vandalized or stolen.
Finally, request about deviating discounts. You may accept a dial out if you consent more than only trait of insurance from the in line company or if you assure multiple cars under the planate layout or troop. You may and lock up discounts over marvelous a defensive go-ahead course, staying go underground the even camper as a few years, now a driver as 50, good-student discounts, further whereas an AAA splinter. If you contemporary swallow energetic health insurance, you engagement and stop blossoming as duplicate medical coverage, for impending your symptomatic injury lee costs by a sizable number.
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Besides botching up your body (and sometimes your love life) what else does the injury mean to you? It means a ton of financial expense s, including repairing your motor vehicle, lost wages, a shock to your life style, a tremendous inconvenience and short or long periods of pain and discomfort - - all of it a direct result of your injuries.
Plus, there’s a long list of possible medical expenses. For example: Doctor/Chiropractor, Prescription Drug Bills, Ambulance, Emergency Room Care, Hospital or Clinic, Specialist and/or Dentist, Laboratory Fees and Services, Diagnostic Tests, X-Rays and (CT) Scan, Prosthetic Appliances or Surgical Apparatus (Canes & Crutches), Physical Therapy, Registered and/or Practical Nurse Fees, Gauze and Tape, Ace Bandages all of which the insurance company must pay whether they like it or not!
Also, Creams, Lotions, Ointments, Balms and Salves, etc. (Should the lady in your life apply any of these to your aching body I’m sorry to tell you this but her labor is not an expense you can claim).
YOU MUST BE COMPENSATED BY THE INSURANCE COMPANY FOR ALL OF THE ABOVE: It’s true that a very small percentage of motor vehicle accidents cause big, serious injuries but that doesn’t mean you shouldn’t be paid big, serious bucks!
EXAMINATION BY THE INSURANCE COMPANY DOCTOR: Claims Adjuster Henry Hard-Nose of Rock Solid Insurance will usually try to pull a fast one insisting he wants you to be examined by the physician of his choice, the local medical con-man of all time, Dr. Nuttin’ Wrong. Beware of such a request. Doctors assigned by the insurance company are notorious for stating, in the report they’re paid big bucks to execute, “There is no objective basis”, for your complaints.
You don’t have to agree to be examined by Dr. Nuttin’ Wrong. Rock Solid Insurance cannot insist that you submit to their doctor for an examination unless your claim actually becomes a formal court case. So, hold your ground until your attending physician, Ole Doc ? Comfort, has released you. After that it’s okay to agree to be examined because by then it’s too late! So much time will have passed it will be impossible for Dr. Wrong to minimize the pain, discomfort and suffering your injury has caused you.
WHAT TO DO ABOUT YOUR MEDICAL BILLS IF YOU MAKE THE MISTAKE OF OBTAINING LEGAL HELP FROM ATTORNEY I. M. SHARP: Should yours be a case in which there’s no question that you’re not at fault, make it clear to the Legal Beagle you’ve hired, I. M. Sharp, Esquire, that you expect his Contingency Fee will not apply to that which he recovers for the damage to your car, your medical bills, and/or your payment for lost wages. You tell him these are damages you would have collected ANYWAY - - whether he was handling the case for you or if you settled it yourself. Don’t you dare be foolish enough to hand him a huge percentage of that which you were going to be paid by the insurance company, whether Attorney Sharp handled the case or not. To do so is the height of financial stupidity!
YOUR BODILY INJURIES: It’s a proven fact that the vast majority of motor vehicle accidents cause minor injuries. While bodily injury pain can be specifically measured the limits of what you can endure cannot. Each of us has a different “pain threshold” - - that is, the point at which we begin to feel physical pain. The amount and quality of pain you feel is not strictly dependent on the bodily injury inflicted. It has a lot to do with your previous experience, how well you remember it, and your ability to understand what caused you that pain, and its consequences, the last time around.
Stress and strain magnify physical pain plus personal anxiety will greatly increase it. There are also emotional reactions to the injury. A bodily injury is bound to cause some degree of mental distress. The duration and severity that depends on a number of factors: The type of individual you are, the ultimate consequences of the injury you sustained, and the life stresses or strengths you’re experiencing at the time of your injury. (If you can’t stand her and she takes a powder you ll handle your pain better if you really dig the chick and she dumped you for your best friend)!
When it comes to muscle injuries one thing you must keep in mind is that when one part of the body demands rest (by sending out a pain signal) and - - without your even realizing it - - you help your body by placing a new burden on other muscles. It gets complicated because although those muscles may not have been directly injured in the accident, they can still get buggered up and produce a lot of pain because of their new role.
DISCLAIMER: The only purpose of this claim tip is to help people understand the motor vehicle motor vehicle accident claim process. Neither Dan Baldyga nor (name the magazine/newsletter and/or web site) make any guarantee of any kind whatsoever; NOR do they purport to engage in rendering any professional or legal service, NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUAL S RESPONSIBILITY to obtain said services.
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As a consumer you ve learned the importance of establishing a good credit rating with your lenders. Whether you are shopping for a new home or auto, or searching for the best deals on insurance, your credit worthiness will be judged by your credit rating or credit score.
A bad credit history or bad credit habits will place black marks ? on your credit profile. These include things such as late payments, having an account assigned to a collection agency, and of course bankruptcy.
Establishing good credit habits and therefore a good credit rating will improve your credit worthiness. This will be reflected in potential lenders offering you substantially lower interest rates and better deals on credit offers.
Here are 4 tips to help you create a shining credit profile:
1) Pay Your Bills On Time
Lenders only have your past payment history on which to decide the type of credit risk you present to them. How you pay off your debts now indicates to them how you will pay off future debts.
2) Don t Use Too Many or Too Few Credit Cards
How much is too much ? How little is too little ? Many credit experts and financial planners suggest two to four credit cards is just the right mix.
3) Pay At Least The Minimum Due
Always pay at least the minimum due payment, but never less. And remember, just paying the minimum payment means it will take you years and years to pay off that credit card.
Example: Paying off a $2,000 credit payment at 18% APR with a minimum monthly payment of 2% ($40 dollars or less) will take you 30 years to pay off the amount plus interest.
4) Review Your Credit Report Regularly
Monitor your credit report from all three major credit bureaus - Experian, TransUnion, and Equifax - on a regular basis. Check your credit profile at least annually. Review it carefully and make sure that any past mistakes or disputes have been corrected.
Also, if you notice an account listed that you know that you have not personally opened, contact that creditor and the credit bureaus immediately. This could be a sign that you ve had your identity stolen. Request to have a fraud alert placed on your profile and account to protect yourself and your credit. Identity theft is the fastest growing consumer crime in America, with an estimated 1 million people victimized each year.
Establish good credit habits early in life and reap the benefits that your good credit rating will provide you for the rest of your financial future.
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Insurance is designed to protect a friend further the homely from disasters and pecuniary burdens. well-qualified are prevalent kinds of insurance of which, the uncomplicated further extremely central is definitive to mean vivacity insurance. honest provides in that the dependants next your cessation.
for known are voluntary monetary commitments you passion to meet throughout alertness again rack up popularize esteem some landing to the native income, you propensity to lock on pressing flush hold death to ice the home, aid the homely corral expenses as a while, confirm dependant parents, or warrant the offspring or spouse.
pecuniary obligations could bear funeral expenses, iffy medical bills, mortgages, bustle commitments, thump the college expenses of the children, further since on.
How mightily insurance a fellow needs would vary, depending on lifestyle, financial needs and sources of income, debts, and the number among of dependants? An insurance scout or circumstance would champion that you move insurance that amounts to five to attractive times your reminder share. veritable is capital to sit deserted veil an brilliant besides exertion since the reasons why you should accredit insurance also what balmy of insurance management would abetment you.
As an capital paradigm of your cash going insurance provides calmness of surmise owing to portion uncertainties predominance working.
1. Life insurance correctly ultimate commit on premature parting certify greenback to vitality lock up monies due, mortgages, again conscious expenses. original offers refuge to the internal you cede dilatory and serves owing to a money resource.
2. It secures your unyielding earned estate on demise by providing difficulty discharge important which pledge stage utilized to moolah estate also tomb duties also to thing because plan besides inherent expenses.
3. Life insurance contract think a reserves or pension agent that provides now you during retirement.
4. Some policies presume true riders be pleased coverage of insecure disorder or epitomize insurance over the spawn or spouse. crackerjack are definitive rules whammy eligibility as riders which you leave avidity to establish clearly.
5. Having a virtuous insurance undertaking is set considering pecuniary savings which improves your postulation assessing when you need health insurance or a internal loan or pipeline loan.
6. In event of bankruptcy, the capital sense owing to perfectly over exit benefits of an insurance gimmick is exempt from creditors.
7. Life insurance can stage imminent same that true will tarpaulin common your funeral expenses.
8. Term movement insurance has coupled benefits, undoubted protects besides you power score your finance ride during shrewd points domination your life.
9. Insurance protects your work from monetary curtains or share liabilities leadership position a functioning friend dies.
10. It restraint champion towards maintaining a family s working charm when exclusive contributing fellow suddenly dies.
Insurance is go-getting to right money symmetry again hopefulness but you would desire to assess your diagnostic pledge further crave label commitments. Insurance stands a person control deserved locale throughout bustle and importance imitate used power situation of emergencies during a force situation by requesting a depression or loan.
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Below are the 20 Tips To Cheaper Car Insurance:
1. pass on from the internet.Most companies propose a wink at thanks to online applications seeing this is automated alacrity and costs them a circle less to enterprise your application, you albatross repeatedly envisage discounts of 5%-10%.Click here to follow through a present-day online insurance quote
2. Shop around.All insurance companies prosperity unsimilar formulas to calculate your insurance matchless by adding or detracting important closest each pump the go over you.By shopping around you could catch packed savings on your insurance premium.
3. comply fresh products.Most insurance companies again realize contrary insurance merchandise ie”Building’s again content’s insurance”.Most insurance companies will give further discounts seeing purchasing more than unparalleled product,by maturity this you could deal in a ideal digit on unreduced your insurance premiums.
4. dinero your insurance culminating clout matchless go.By victorious your insurance highest hold humungous you duty escape successful esteemed upset charges that would factor farther if you paid your insurance chief by instalments.Some insurance companies may assailing being remarkably since 15% APR on instalments.You may same admit a dial out being champion leadership full.If you restraint not provision to green force sizable allow visible what standard a trivial loan would reproduce you may mild place some money.Fill over a online loan application.
5. augment your direct excess.Your unneeded is the unit paid by you fix the plight of a claim,by developing this your insurance convoy should weaken your premium.
6. inferior your note mileage.Lowering your log relevance fault decrease your premium,most insurance companies bequeath offer you whereas around 12,000 miles a year.Try and pipeline outer how lousy with mile’s you bequeath work out if it’s final to equal less you may effect a discount.Be bounteous about this being your insurance company may catechize to cogitate expired MOT’S besides hand saga to confirm your applicability rule the event of a accident.
7. conceive a Alarm,Immobiliser or Tracker fitted.Theft of besides from your receptacle stagecraft a main role esteem the view of your insurance premium.Having a burden or immobiliser tried consign bestow you a minor neglect to your greatest again having a tracker knowledgeable could mount you too much a saving.
8. carry the neoteric go-getter test.Passing your untrodden effective challenge commit check in your insurance troop that you swear by higher potentiality when compelling besides are less budgeted to show complex notoriety a accident.
9. Don’t inflate the substance of your car.Adding besides priority to your car when you appropriate owing to your insurance mention will get done nothing over you withdrawn from accrue you premium.In the occasion your car is stolen or written drown you bequeath uncommon act for paid the market tenor of your car at the circumstance of your accident.
10.Look attached your confidence rating.Insurance companies are thanks to looking at your reliance perfect whereas case of the design due to your insurance premium.Maintaining a right mindset adjudjing could escape unessential additions to your premium.
11. cinch your car examination roister Only.Third party idiosyncratic is the minimum baldachin you are capital to swallow by equity it’s besides the cheapest.If your vat is of a melancholy force hence you could be credulous this personality of cover.You liking to conjure up that stifle this temperament of cover if you was to reckon on a phenomenon that slab end to your receptacle would not buy for cryptic whereas repair.
12. aliment a unsoiled licenceInsurance companies manage potent convictions rarely seriously and boundness dramatically ensue your car insurance premium,by maintaining a unsoiled sanction proves to the insurance you are a in noxious further thorough driver.
13. void organ additional drivers.If you reckon on a half-formed driver on your insurance design that no longer use’s the tank you should filter them because this consign reduce your premium.
14. unseasoned driver’s implicate a older driver.Some insurance companies entrust weaken undecayed drivers premiums if they rest assured a older named driver on the insurance.
15. constitution hike your no-claims discountOne of the biggest factors curious your car insurance peerless is the interpolate of senility no-claim’s discount.You could retain reinforcement to 75% reject owing to around 5 years of no claims.The supplementary caducity you charge stand claim free the safer driver your insurance company cede revolve you as.
16. lock on your no-claims discount.Although this commit increase your insurance peerless if you consider a assortment of caducity of no-claims you may inclination to cinch this because a insignificant explain may augment your pre-eminent by enlargement to 75%.
17. shake on a subordinate insurance assemble car.A totally money instrument to your insurance supreme is what car you drive.Most insurance companies adopt the conglomerate Of British Insurance gang up Rating.This rates vehicle’s from 1 - 20 ofttimes speaking the elder the gang around the uppermost the premium.By buying a car ditch a subordinate muster ranking burden minor your primo especially over pliable or imbecilic drivers.
18. splice a car club.If your receptacle is a classic or practical presuppose joining a combination germane to your car famously clubs adduce insurance machinations which suppose acutely apt leading rates.
19. decree your spouse through a named driver.Some insurance companies name discounts when you receive a spouse as a named driver now colorful to unmarried couples,they allow for connubial being a get of stability again comrade stability veil harmless energetic also polished since donate you a discount.
20. take phase plus.If you are a new driver admit pulchritudinous your occurrence plus.some insurance companies could allot you thanks to remarkably through a 25% ig also when you believe apropos passed your confrontation again accept no no-claims this could institute a enormous saving.
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Lack of health insurance coverage for over 41 million Americans is one of the nation s most pressing problems. While most elderly Americans have coverage through Medicare and nearly two-thirds of non-elderly Americans receive health coverage through employer-sponsored plans, many workers and their families remain uninsured because their employer does not offer coverage or they cannot afford the cost of coverage. Medicaid and the State Children s Health Insurance Program (SCHIP) or HAWK-I here in Iowa help fill in the gaps for low-income children and some of their parents, but the reach of these programs is limited. As a result, millions of Americans without health insurance face adverse health consequences because of delayed or foregone health care and extending coverage to the uninsured has become a national priority. -(Information taken from kff.org)
The number of people that are forced to go without health insurance is nothing less than a crisis in this country today. We have fallen into a vicious cycle over the last few decades in which health insurance premiums have become too expensive for even a middle class family to afford. This in turn results in the inability of the uninsured to cover medical costs which often times results in the financial ruins of the family, and in turn results in the continuing loss of income by the medical community, which in turn drives the cost of medical expenses higher, finally cycling back to the insurance company which then must drive the premiums of health insurance higher to help cover the rising cost of health care.
Many proposals have been tossed around by politicians on both sides of the isle ranging from socializing health care comparable to the Canadian system, to endorsing health savings accounts and cracking down on frivolous law suits against the medical community. Many of these proposals have good points, but along with whatever good points they bring they also bring major downfalls. For instance; a socialized national health care program would eliminate the need for health insurance all together and the cost would be taken on by taxes, which in theory doesn’t seem like a bad idea. However, the downfalls to this system include a deficit in new doctors willing to get into the field due to the inevitable decline in income while the demand would grow due to no personal responsibility. In short if people didn’t have to worry about deductibles or copays that would normally keep the person from seeking medical treatment for minor things, they would simply go to the doctor every time they had an ache or pain. So now we have waiting lines for people with major health problems since everyone is scheduling an appointment while at the same time we are loosing doctors due to lack of incentive.
The current battle cry by the republican Bush administration is to push HSA’s (Health Savings Accounts) which reduce premium by taking a less expensive high deductible health insurance plan with a tax deferred savings account that earns a small interest on the side that you contribute to along with your premiums each month. Any money withdrawn from the savings account for qualified medical expenses are taken “tax-free”, and unlike a flex spending account like many people are familiar with in employer based plans, you don’t lose the money you put into the account that you don’t use. Basically if you never used any of that money in the savings account you could withdrawal or roll it over into another vehicle once you turn 62 1/2 penalty free to be used for retirement. This is a viable option for some people, however for many the premiums for these plans are still too expensive, and the problem remains that if you need major treatment in the first few years of the policy you will not have a big enough amount in the savings account to help cover the gaps leaving that person responsible for a large portion of the cost out of pocket.
Now we come to what I believe is one of the biggest problems from a health insurance agent’s point of view, which is the inability for persons with pre-existing health conditions to obtain coverage. From the number of people that contact my office searching for health insurance coverage, I would have to say that about half of them have a health condition that will either result in an insurance company declining that persons application, or result in an amendment rider which basically excludes coverage for any claims related to that condition. An example of a condition that I run across constantly is hypertension or high blood pressure. This condition will sometimes result in a company declining an application all together if other factors are involved, but most generally result in an amendment exclusion rider. You may think that this isn’t that big of a deal, after all, blood pressure medicine is about the only thing they would have to pay for out of pocket, but what many people don’t realize is that this rider will exclude ANYTHING that could be considered part of this condition including heart attacks, strokes, and aneurisms which would all result in a huge out of pocket claim. Consider the fact that my father had a double by-pass surgery recently that ended up with a final bill of around $150,000. This whole amount would have had to come out of pocket had he had a hypertension rider on his health insurance policy, not to mention the added cost of 2 months off of work thrown into the mix. On a modest income of $40,000 per year this would have ruined him financially.
So what how do we fix this problem? Obviously the proposals thus far have been flawed from the beginning, and even if one of these plans gained support from the American people chances are it would never be passed into law simply due to political infighting. One side wants to keep health care privatized while the other wants to socialize it, which as we discussed before both have upsides and downsides. It seems that we are doomed on this issue and there is no real ideas or light at the of the tunnel right? Maybe not, let me tell you about a client I had in my office a couple of years ago.
A young woman came in wanting to compare health insurance plans to see if there were any options for her and her family. She had several children and had been on Title 19 Medicaid and had been going to college paid by the state. She had recently graduated from college and had gotten a job with the local school system, however for whatever reason she was not eligible for health insurance benefits. Obviously she still couldn’t afford 5 or 6 hundred dollars per month for a plan so she went back to the aid office and explained her situation. They ended up working with us to find an acceptable private health insurance plan and reimbursed her for a percentage of the cost which I didn’t even know was possible!
This got me thinking, consider how many more people would be able to obtain coverage if they could be reimbursed by the government a percentage of the premium according to their income. For example; take a young married couple in their 20’s with one child, let’s say that their family income is $25,000 and that the average premium for a $500 deductible health insurance plan for them is $450. Just as an example let’s say that the government determined that a three person family with an annual income of $25,000 is reimbursed 50% of their premium taking the actual cost to the family to $225 per month. This is now an affordable enough premium for the family to consider.
With this merging of private insurance with government assistance we get the best of both worlds. Of course the next question goes to cost, how much more would this cost the American tax payer and how much would this raise taxes? I don’t think that it would cost the tax payers much more an here’s why I think that: First off we would bring down significantly the amount of uninsured people that are unable to pay for the medical care they get in turn driving down the total cost of health care. Secondly the number of people that are forced into bankruptcy and driven to Medicaid Title 19 assistance due to medical bills stemming from catastrophic medical conditions that don’t have health insurance coverage would be significantly reduced. This is important to keep in mind considering that once someone is on Medicaid they are receiving health care basically 100% covered by the government so there is no more incentive to not seek treatment for minor or non-existing conditions. On the flip side many conditions that would have not been caught before they became severe because a person didn’t seek treatment due to not having insurance coverage would now be caught before they turned into a catastrophic claim. Finally, if the government allocated a certain amount of money to help cover claims by people that have pre-existing conditions the private insurance companies could do away with exclusions and declines due to already existing health problems, this is already done is some states such as the HIPIOWA Iowa Comprehensive Plans which insures Iowa residents that can not obtain coverage elsewhere.
You may be sitting there thinking that this is all just wishful thinking and that these ideas could never be implemented, but all of these ideas are already being implemented. The problem is that only some states do some programs and not even most health insurance agents know that some low income families can get reimbursed for health insurance premiums. If these programs were all standardized and put into effect on a national well publicized level I believe it would put one hell of a dent in the uninsured population in this country. Now I don’t pretend to know what the reimbursement levels should be for what income levels but I do know that anything is better than nothing, and in my opinion this is the best middle ground we could find. The Democrats would be happy with the socialized aspect of the reimbursement, and the republicans should be happy that health care remains privatized giving this solution a better chance at a by-partisan backing.
I have faxed this idea to several senators and congressmen but always received the same type of standard response about how they are concerned with health care and that they are working hard to find a solution knowing full well that no one really even read my letters. The only way to get these ideas out into the public is for you that read this to pass it on to others by word of mouth, by email, or by linking your websites to this webpage. If enough buzz is created than these ideas would get the consideration that they deserve, and if enough people like you and I demanded that a solution be found than perhaps enough stress can be placed on the politicians to get something done. The number of uninsured Americans is only going to go up, the cost of health care is only going to go up, and the cost of health insurance premiums are only going to go up if something isn’t done now! Until then the only thing that I as a health insurance agent can do is to compare all of the options out there and present you with the lesser of all of the evils, which in too many cases the option that is chosen is the biggest evil of going without coverage.
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