Dear Dr. Gott: I have a 6-year-old daughter. In the past, I decided not to have health insurance for her or myself. This is because we eat healthy and exercise. When we get sick, we eat even healthier and drink lots of tea and get lots of rest instead of going to the doctor. However, she is at the age where I worry about her breaking an arm or injuring her teeth or something. I don't want to pay $350 a month and up for full coverage when I will use only the accident portion of the coverage. I know they offer accident- only coverage. Do you think this is a good idea and do you know which ones are good? Or am I better off putting $200 a month into a savings account in case she has an accident? Dear Reader: I personally know a number of people who "self- insure," meaning that they put a sp...
(HHS) Health and Human Services Secretary Kathleen Sebelius today released a new analysis showing that, without the Affordable Care Act, up to 129 million nonelderly Americans who have some type of pre-existing health condition, like heart disease, high blood pressure, arthritis or cancer, would be at risk of losing health insurance when they need it most, or be denied coverage altogether. Under the full range of policies in the Affordable Care Act to be enacted by 2014, Americans living with preexisting conditions are free from discrimination and can get the health coverage they need, and families are free from the worry of having their insurance cancelled or capped when a family member gets sick, or going broke because of the medical costs of an accident or disease. Repealing the law ...
Insurance agents were salaried employees or exclusive agents of an insurance company. Brokers were independent agents of an insured, and they served their respective principals. For the most part, this clear distinction no longer applies. Most often, brokers are sued when the insured has a loss and has no coverage for the resulting loss. It is generally accepted that brokers must exercise reasonable care, skill and diligence when they procure insurance coverage for their clients. Perhaps the most common scenario facing insurance brokers in "failure to recommend" or "failure to advise" cases is the client's contention that he wanted "full coverage" or "the best coverage," regardless of cost. People take an "intellectual gamble" when purchasing insurance, as they weigh the expense of insu...
DEAR BRUCE: I have seen you comment many times on when you should carry full coverage on cars. Unfortunately, I don't remember what you said. I have a car that is 6 years old. What kind of coverage should I have on it? Currently, I do have full coverage. Reader
... of insurance will be accepted from borrowers when the requirements outlined herein are complied withh fully. (a) Companies. It is desirable that companies be ... does not automatically convert to full coverage when the building is completed, acceptable insuran...
According to new figures from the US Census Bureau, the number of Americans without health insurance increased by 2.4 million last year to 43.6 million - the largest increase in a decade. While most Americans who have health insurance continue to get coverage through work (61%), it should come as no surprise that those with less education, lower incomes and part-time and seasonal work - as well as those who work for small companies - are far more likely to go without health insurance than the general population. Within the past several years, a handful of insurance companies saw this growing need and began offering supplemental, noncatastrophic health plans - also known as mini-med or limited-benefit health plans - to employers of uninsured workers. There are two things to consider when...
... believing they're buying major medical or full coverage when, clearly, they're not.These plans ar...
DEAR BRUCE: I have seen you comment many times on when you should carry full coverage on cars. Unfortunately, I don't remember what you said. I have a car that is 6 years old. What kind of coverage should I have on it? Currently, I do have full coverage. - Via e- mail. For liability insurance, it has nothing at all to do with the age of the vehicle. Whether you cause an accident in a 20-year-old car or a 6-year-old car, you're still responsible.
... disputed and denied insurance coverage to their policyholders when the policyholder settlles for less than full policy limits with one of its underlying insurance...
Americans need health care reform. Many countries have better health care simply because they put the needs of the many ahead of the greed of the few. All Americans, especially the majority who are working, need real reform that provides full and free coverage. When it comes to medical attention, one should not have to pay or die.
-- For full fire coverage vist the Special Section. WHITTIER - All Mayor Owen Newcomer thought he was doing when he talked to the newspaper was present a plan on how the city could afford a new library.
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