Cutting Your Insurance by Signing a "Tobacco-free Affidavit" - We will see it more and more as we all realize we have a nation full of sick people who don't want to change their lifestyles but still want equal health care coverage. Have you ever taken the time to think about why smokers usually pay the same amount for their health insurance as you do?
It is a change that some insurance companies started years ago and it is catching on quickly. Yes, in individual health insurance one pays for their lifestyle choices but in group or employer health insurance everyone usually pays the same. But now, that is also changing.
According to www.newsandsentinel.com city employees can pay less for their health insurance if they don't smoke but will have to sign a "tobacco-free affidavit" and "the city will perform a review to make sure tobacco users are truthful in their claims."
How the "review" is handled will surely be a contested point among workers and staff alike. And I am sure both sides will argue about why one way or the other is not fair. Regardless, this is the future. Think about other insurance policies such as your homeowner and car insurance. Do we all pay the same amount for car insurance but get to drive any way we want?
Cutting Your Insurance by Signing a "Tobacco-free Affidavit" originally appeared on About.com Personal Insurance on Thursday, March 4th, 2010 at 19:34:35. Permalink | Comment | Email this
Life Insurance with No Medical Exam? Yes, But You May Pay. - According to www.doityourself.com, some people mistakenly choose special life insurance policies that do not require a medical exam. Byron Udell states in the article, "While it may be more convenient to buy insurance that way, it will cost you a fortune in the long run. These policies are significantly more expensive than their fully underwritten counterparts because the insurance company isn't being given the opportunity to really evaluate its risk."
If you are nervous about your life insurance medical exam, check out the article What to Expect: Your Life Insurance Medical Exam. It will give you a list of common questions asked and procedures performed for your life insurance medical exam.
Life Insurance with No Medical Exam? Yes, But You May Pay. originally appeared on About.com Personal Insurance on Tuesday, March 2nd, 2010 at 22:32:29. Permalink | Comment | Email this
Monitor Car Insurance Rates Nationwide - We all know that health insurance rates are on the rise but what about car insurance rates? Here is a great tool that will help you monitor car insurance rates nationwide. It is the Auto
Insurance RateWatch from Insurance.com. The car insurance rates update the first of each month.
Shopping for car insurance online? Then don't forget to check out the Online Auto Insurance Quote Guide. Monitor Car Insurance Rates Nationwide originally appeared on About.com Personal Insurance on Thursday, February 25th, 2010 at 09:57:19. Permalink | Comment | Email this
Save on Your Copayments with the AARP and Walgreens Wellness Tour - Getting free health screenings instead of going to your physician for them can help you save on your health insurance copayments. Walgreens is teaming up with AARP and offering free health care screenings nationwide.
According to www.walgreens.com, "The AARP/Walgreens Wellness Tour is delivering free health screenings and health education to communities across the country with a special emphasis on diverse and underserved areas. The nationwide tour features nine customized buses that travel 240,000 miles across 45 states, visiting more than 2,000 communities in 300 cities."
Save on Your Copayments with the AARP and Walgreens Wellness Tour originally appeared on About.com Personal Insurance on Tuesday, February 23rd, 2010 at 12:00:56. Permalink | Comment | Email this
Weekend Insurance Tip: Know Where to Purchase Gap Insurance - Purchasing gap insurance is important for many. If you are buying a new car or leasing, in most cases it is a must. But, when it comes time to purchase that gap insurance policy, have you thought about what company you want your gap insurance through? Weekend Insurance Tip: Know Where to Purchase Gap Insurance originally appeared on About.com Personal Insurance on Saturday, February 20th, 2010 at 12:00:03. Permalink | Comment | Email this
Diabetes Health Plan - Did you know that United Healthcare offers a health insurance plan specifically for diabetics? It is a managed healthcare plan designed to help employers offer health insurance for their diabetic employees. The insurance not only helps educate diabetics but also provides free diabetic supplies along with savings of up to $500 per year for the employee. If your employer does not offer a diabetic health insurance plan you can ask them to look into offering one.
Diabetes Health Plan originally appeared on About.com Personal Insurance on Thursday, February 18th, 2010 at 12:00:39. Permalink | Comment | Email this
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