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Jessica Farrell's Articles Miscellaneous (11) Car Insurance (1) Senior (1) Uncategorized (3) Home & Garden (2) Insurance (22) Health & Wellness (4) Display Category|Title|Newest|Oldest A Word About Child Medical Insurance We love our children. From the moment we realize they are making their way into this world, we begin making plans for them. We want the best of everything for them, from homes and communities to schools and activities. We strive to raise them in safe, healthy, nurturing environments in hopes that they will grow into and remain safe, healthy, nurturing adults throughout their lives. Child medical insurance must be included in our plans for our children. Children are consta... Affordable Individual Health Insurance There are many options for an individual to obtain affordable health insurance coverage. Keep in mind that there are savings in numbers; the more people in a plan, the better the savings for each member. In some states, like Florida you may purchase group policies for a group of one. Some states allow a two-person policy to qualify for a group rate. If you are a sole proprietor and your spouse helps you with things like bookkeeping, filing or mailings, you may be able to ... Affordable Life Insurance Rate – Is It Possible To Get? If you're looking for an affordable life insurance rate, you're inundated with choice. There are so many companies competing for your business with various terms and rates and conditions that it can be difficult to find the best affordable life insurance rate. Simply put, your best option is to shop around. Using the Internet to get quotes will save you a lot of hassle and telephone calls. You may also get a better rate if you purchase your insurance online, simply because... Affordable Texas Health Insurance - Get Insurance Cheap In The Lone Star State Change is never easy, and amendments to Texas Law have seen the Health Insurance market explode with a multitude of health plan options. While more competition is always a good thing, it can sometimes be very confusing to consumers who want to get the best deal, but are confused by the sudden array of choice. There is also the added confusion that not all health plans have to contain all benefits, meaning you've suddenly got a whole lot of policies that may or may not con... Assistance For Seniors In Nevada Seeking Long Term Care The state of Nevada has several services and advocacy groups that help the elderly who are in need of long term care. Some of the groups are listed below: Advocate for Elders : Just as the name implies, they are advocates and offer assistance to seniors 60 or older who are primarily homebound. Community Home-Based Initiatives Program (CHIP ) offers non-medical services to seniors 65 and older to help them maintain independence in their own homes rather than being place... Buying Health Insurance In Ohio Ohio residents are afforded certain protection when buying health insurance from a state licensed insurer as a result of standards put in place by the Ohio Department of Insurance. Below are some of the standards you should be aware of when buying insurance: Alcohol Treatment : There must be at least $550 per year in alcohol treatment whether inpatient or outpatient Mental Illness : On an outpatient basis, there is a requirement for $550 per year for treatment. This ap... Buying Homeowners Insurance In Indiana Did you know that according to the Indiana Department of Insurance (IDI), the insurance industry is one of Indiana's largest employers. That being said, that means there are many insurance options for homeowners in Indiana. Because the insurance industry is so large, there must be tough regulation to ensure the protection of the consumer. Here are some facts Indiana homeowners should be aware of when securing homeowners insurance: If your homeowners policy is being canc... Can I Buy Auto Insurance Online? Yes, you can get car insurance quotes online. You can sit in the comfort of your home and get quotes from several insurance companies for the best rates for your auto insurance. Do your homework first. Make sure you are familiar with state limits and requirements. Know what you want. You can save money with minimum limits as required by the state, but higher limits will protect you better. Make sure you have the right underwriting information and be aware of your lo... Catastrophic Coverage Health Insurance - Using The Tools Of Insurance In Your Favor With healthcare premiums on the rise, it is important to be aware of different health care plans. Certain plans, such as catastrophic coverage health insurance can save money, but does not offer coverage for certain medical needs. For people who are self-employed or whose employers do not offer health insurance, finding affordable coverage is a huge priority. Catastrophic coverage heath insurance is offered by most medical companies. This coverage is different from other f... Cheap Sports Car Insurance - Some Tips To Save Money For Those Who Like To Drive Fast Lets face it, this is probably not going to happen. Sports cars are expensive to buy, to run and to insure. However, you can keep your premiums down if you take a few common sense measures. Getting your insurance online is probably the easiest way to start saving. Companies offer discounts to people who purchase their insurance online, and it is very convenient for the purchaser as well. You can compare between policies quite easily on the Internet, and also receive quotes... Cheap Term Life Insurance - Lowering Those Rates May Be Easier Than You Think Term Life Insurance is insurance that covers you for a specific period of time only. As such, it is already one of the cheaper forms of Life Insurance. Here are a few ways to get even more value for money on your Term Life Insurance. First of all, look after yourself. Staying in good health will have a dramatic effect on your premiums. Quit smoking, exercise frequently, and make sure that you eat well. You'll feel better, and so will your wallet. Term Life Insurance is ... Do You Have Medical Insurance Coverage? We all need medical insurance coverage. Although we can not always predict when we are going to need it, we can almost be sure that at some point we are going to need it. Whether you pride yourself in rarely ever getting sick, or you have an illness or condition that you will deal with for life, medical insurance coverage just makes sense. Whether you are choosing to purchase medical insurance coverage independently or are choosing from a variety of policies available thr... Do You Need A Long-Term Care Insurance Provider? When purchasing insurance, most of us take care of the immediate needs—car, health, home, even renter’s insurance—and we search for those providers according to location, coverage, rates, etc. But many of us don’t consider looking into long-term care insurance, much less long-term care insurance providers. There’s a good reason for this. Not everyone needs a long-term care insurance provider. However, some folks do and they fall into two main categories—the elderly, and peopl... Finding Long Term Care Facilities In Missouri When looking for long term care facility for a loved one in Missouri, there are a few questions you should ask yourself and a few things to be aware of: What type of facility do I need?: There are several types of facilities, be sure to select one that will meet the needs of your loved one. Residential Care Facility I: Will provide shelter, board and supervision. They may distribute medication and provide care during short term illness and recuperation. Residential ... Finding Low Cost Health Insurance In New York In the state of New York, you may qualify for low cost health insurance whether you are a small business, sole proprietor or individual. In 2000 the NY Legislature enacted regulations in response to the Governor's proposal to make available comprehensive insurance coverage for New York workers and their families who are uninsured. The name of the program is Healthy NY. This program helps the small business owners (businesses with 50 or fewer employees) to provide health... Finding Your Best Life Insurance Company Purchasing life insurance is a big decision, and we all want the best coverage for the least cost. However, money is not the only factor that goes into choosing a life insurance company. Below are five factors that separate best life insurance companies from the average ones. You will want to consider when choosing the best life insurance company, and policy, for you. First, after you have shopped around a bit, thrown out the definite “no way’s” and decided on a couple of ... Getting A Good Car Insurance Rate For Your Teen - Saving Money When You Need It Most If you'd like to insure your teenager to drive your car, be prepared to pay through the nose. It's an unfortunate fact of life that young people tend to have more accidents than their older counterparts, and insurance companies know this all too well. There may be some variance in the Teen rate your insurance company provides depending on the sex of the child, with males being a higher risk than females, and therefore more expensive to insure. Over all, the likelihood of s... Getting A Homeowners Insurance Quote In Arizona When looking for homeowners insurance in the state of Arizona there are a few things you should keep in mind: How much to buy: Keeping in mind that the purpose of insurance is to transfer risk, you need to adequately protect your assets in the event of a catastrophic loss. You should insure your home for its proper value for maximum protection. Your house is a major investment, don't scrimp on protecting it. Additionally, your mortgage company may have a set of insurance r... Getting Life Insurance Protection Online - The Internet Can Provide Very Low Rates There's been a revolution in the Insurance market, and its been heralded by the ability of companies to go online and compete in a marketplace that does not depend on them having a branch in your specific town, or advertising through television or radio. Because of the lower costs associated with offering insurance online, you the consumer can now access much better life insurance deals online than ever before. Getting your Life Insurance online means that you can contrast... How Can I Get Cheap Auto Insurance In New York? In New York State there are several things you can do to ensure the best possible auto insurance rate. No one wants to pay more for insurance than they have to. Here are some tips: First make sure the information is correct: Proper address, correct vehicle information, your name and age are correct, and the vehicle is properly classified. Take a DMV approved auto accident prevention course. Your insurance company must apply a credit to your premiums for three years i... How Can I Save Money On My Homeowners Insurance Rates? Why should your homeowner’s insurance carrier receive any more of your hard earned money than they should? Here are a few pointers to help you to reduce your premiums and put that money right back into your pocket. 1. Raise your deductible: Depending on the state in which you live and your insurance carrier, raising your deductibles from $250 to $5,000 per claim could save anywhere from 5 to 25% of your premium. 2. Buy your policies from the same insurance company: Insu... How To Buy Term Life Insurance Online So you've made the decision to get some life insurance, and you're looking to buy term life insurance online. Luckily the Internet is one of the best places to buy any form of insurance, and term life insurance is no different. You can often get discounts on insurance online, because this is the preferred purchase method for both customers and insurance companies. Before you do purchase online however, do take some time to go over the small print of the policy, and make su... How To Find Very Cheap Car Insurance No one wants to pay for more than what they’re actually getting, and no one wants to pay for services they don’t need. The same is true whether you’re purchasing telephone services or car insurance. If you’re looking for very cheap car insurance (and who isn’t?), take these tips into consideration. 1. It’s easier to find very cheap car insurance during a soft market, also called the buyer’s market, rather than a hard market, also called the seller’s market. During a soft m... How To Get Really Cheap Car Insurance - Sometimes Cost Is The Most Important Thing So you'd really rather not have to pay for car insurance at all, but you have to. Them's the breaks I guess, but you can save money on that insurance and get your premiums super low if you use your head. Here are a few tips to get those premiums down. Get only 3rd party insurance. The easiest way to reduce costs is to reduce cover. Most states require that you have minimum 3rd party insurance, but any extra is up to you. Of course that means if your car is stolen then you'... Individual Health Insurance Coverage - A Little Help To Understand The Facts Choosing the right type of individual health insurance is an important step in looking after yourself. The main three choices when it comes to Individual Health Insurance coverage are Fee-for-service, HMO and PPO. Fee for service means that you can go to any doctor in the country and you do not need referrals for specialists. This is the most flexible type of cover, and often the most expensive too. You pay a monthly premium and a yearly deductible which is a payment you m... Is There Discount Term Life Insurance Out There? First of all, we’ve all heard of life insurance. Many of us even have it. But what is term life insurance? The meaning of term life insurance is in its name—it covers its policyholders for a certain amount of time—a certain term. It costs much less (except for the very elderly) than whole life insurance and can be covered in two types of premiums—level-term and annual renewable. The premiums of level-term stay the same throughout the duration of the policy and can usually be ... Long Term Care Options In Florida In the state of Florida, almost one quarter of the residents are over the age of 60. Quality long-term care is very important for many of these older Floridians. The Florida Agency of Health Care Administration (AHCA) regulates Health Care Facilities throughout the state and also administers Florida's Medicaid program. Below are a few of the long term care facilities regulated through AHCA: Assisted Living Facilities: Provides housing, meals and some personal services f... Long Term Care Provider A large percentage of long term care is given at home generally by non compensated labor. That means usually a child, spouse or relative is caring at home for the ill or injured person. This can be a difficult situation as it proves to be is taxing on the caregivers, and can frustration and burn out. To prevent this uncomfortable situation, many families who can afford long term care and have insurance to cover such, often place their loved ones in long term care facilit... Long Term Life Insurance – Why Get It? Long Term Life Insurance is term life insurance that is taken out for an extended period of time. Most term life insurance tends to be for a period of between one and seven years, but some people prefer a longer term cover. Insurance companies have responded to this demand by offering a new range of products that fall somewhere between whole life insurance and traditional term insurance. Normally when people want long term cover, they purchase whole life insurance, which c... New Driver Car Insurance - Tips To Save Money With Your New Driver As a new driver, expect to pay more for your car insurance than you would if you were an older more experienced driver. All is not lost, however, there are things you can do to take the sting out of the cost of insurance and lower your rate. 1.Vehicle: Stay away from brand new, very expensive, very fast, sport cars. Expensive cars cost more to insure, the more horse power, the higher and the premium. Go for something that is older, with many safety features. Companies o... New York Individual Health Insurance – Coverage And Conditions If you are a resident of New York and in need of health insurance, you can purchase individual health insurance plans directly from a health maintenance organization (HMO). HMOs in New York are required by law to offer both standardized HMO plans and point of service (POS) to those who seek to purchase individual health insurance. An HMO is a health insurance provider that works directly with a particular network of doctors, hospitals, and other medical professionals. This... Purchasing Car Insurance Online - Some Things To Know About Online Insurance The Internet has been a blessing to both the Insurance Industry and consumers who want access to a wide range of providers quickly. The benefits of purchasing your car insurance online are many, here's a few of them. For starters, you have an unprecedented ability to compare and contrast between policies online, simply flicking between windows, or in some cases taking advantage of specialty brokers who will send you a comparative cost quote in very short order. If the s... Senior Term Life Insurance We all know that purchasing life insurance at an older age is more expensive than purchasing it while very young. In an attempt to provide affordable insurance to meet the life insurance needs of older insureds, some companies are now offering Guaranteed Acceptance Life Insurance. Guaranteed Acceptance Life Insurance policy rates are less expensive than the traditional term insurance policies. As the name implies, you are guaranteed to be accepted for this life insurance... Shopping Around For Term Life Insurance Comparison shopping for term life insurance coverage is just a click away. However, before you go around clicking on websites, there some basic information you should be prepared to provide to get preliminary quotes: Aside from the obvious underwriting information such as your name, age and gender, you will have to provide more detailed information such as: Weight: If your height weight ratio is not within certain limits (in other words you are overweight) it may affec... Some Tips On How To Obtain Cheap Student Car Insurance Finding affordable car insurance for students can be something of a challenge. Insurance companies tend to classify students as “higher risk” along with teens and new drivers. And of course, most students need all the savings they can possibly get. Unfortunately, car insurance isn’t cheap – a typical student pays anywhere from $3,500 to $13,000 in insurance premiums in a year. Obtaining a lower rate for your car insurance starts when you still in school – you can often get... Southern California Health Insurance – How Is It Marketed? In California, health insurance is marketed under both individual and group policies. People who are unable to obtain health insurance from employers or other professional trade or group affiliations that offers health insurance should opt for individual health insurance. Individuals who usually fall into this category include contractors, the self-employed, and/or employees of small businesses. The individual health insurance and large group health insurance (policies tha... Term Life Insurance Rates - The More You Know The More You Save If you’re in the market for a term life insurance policy, here are a few money saving tips to help you keep the premiums down. 1. Buy when you are young healthy: Life insurance rates, although they contain fees, and a myriad of expenses, are primarily based upon the statistical chances of a person dying in a given year. Insurance companies use their own experience plus the statistical information collected by the government. The statistics are used to calculate the yearly ... Term vs. Whole Life Insurance - Which Is Best For You? If you are looking into purchasing life insurance, you have probably heard about both term life insurance and whole life insurance. Before you decide on one or the other based on what you have heard or what your insurance agent tells you, you need to understand the meanings of “term” and “whole,” and familiarize yourself pros and cons of each one (and how these pros and cons will affect you). First, we have term life insurance. It covers its policyholders for a certain am... The Top Five Home Owner Insurance FAQ Whether you are a new home owner, or have owned your home for a longer period of time, there’s no doubt you have many questions about home owner’s insurance. You want to protect your home, your possessions, and your family. Below are five of the most frequently asked questions about home owner insurance. 1. As a home owner, am I required to have insurance? Yes, in most cases, especially if you have a lender. It’s also wise to look into insurance if you are in the process o... Things To Know When Insuring Your Mobile Home When shopping around for homeowners insurance for your mobile home, make sure you know what you're buying. Know what risks you are exposed to and how to cover them. Below are a few basic things to consider: Named peril or all risk (comprehensive): Homeowners policies may be purchased on a named peril basis. What that means is the policy will cover losses that occur as a result of the perils named on the policy. Some named perils are fire, lightening and ice/snow storm (... Things To Look For When Choosing An Individual Health Insurance Company There are a plethora of Health Insurance providers online, most offering fairly competitive policies at decent rates. The sheer amount of choice makes it confusing when you're trying to decide between companies, and if you don't know what to look for you may miss out on a good deal, or worse, be stung by hidden costs or not receive the cover you paid for. The first thing to look for when choosing an insurance company is to make sure that the terms and conditions are stated... What Goes Into Determining My Auto Premium? Insurance companies consider many factors before they provide you with an auto insurance quote. Here is some of the basic information that goes into compiling your auto quote: Age: Insurance companies like older more experienced drivers. According to the CDC (Center for Disease Control and Prevention), 16 to 19 years olds are four times more likely than older drivers to be involved in a car crash. Premiums tend to decrease as the young driver ages. Type of Car: Bran... What's The Difference Between Whole And Term Life Insurance? It's important to know the difference between whole verse life insurance before you start to shop. Whole life (also called permanent) policies are insurance policies that accrue cash value over time and usually pay dividends. Buying a whole life policy is an investment. As the named insured, you have the ability to draw against the cash value. Whole policies are more flexible and more expensive than term policies. Term life polices are less expensive and inflexible. ... Whole Life Insurance Advice—Is It Better? If you have decided that whole life insurance is the route you want to take, you need to be well-aware of both its pros and its cons. Whole life insurance covers you for your entire life, as opposed to term life insurance which only covers you for a certain number of years. However, with that additional coverage comes additional costs. Isn’t that the way things always happen? With whole life insurance, not only are you paying for the cost of the insurance, but you are also...	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