Posts Tagged “insurance coverage”
What are some options for Long Term Care?
By Jorge Hiram Garcia, Your Insurance Advisor | April 26, 2010
The primary issue when receiving long term care for most seniors is what level of independence will they be able to retain. In effect, what this really means is what kind of level of independence can they afford. As always, it comes down to money, and being able to afford to pay for the appropriate level of long term care.
Image by Getty Images via Daylife Long Term Care, also referred to as LTC, or assisted living insurance, is a term that hardly any one can agree on what it means. Lots of people use it, but don’t really know what it means. Long Term Care (LTC) means regular assistance with medical care provided by [...]
What deductible should I choose in my auto insurance policy?
By Jorge Hiram Garcia, Your Insurance Advisor | April 24, 2010
When it comes to auto insurance policies, the deductible amount that you choose can determine, in large part, the price you will pay. The higher the deductible amount, the more money you save on your monthly premium payment amount.
Timeline for Health Care Bill Provisions
By Jorge Hiram Garcia, Your Insurance Advisor | April 15, 2010
There are many questions and concerns over the future role of insurance agents and consumers in all of the new provisions in the health care legislation being considered. The reforms currently taking place leave many people feeling uncertain not only as to what exactly is going to happen and how its going to work, but [...]
Individual or Group Major Medical Health Insurance?
By Jorge Hiram Garcia, Your Insurance Advisor | April 15, 2010
For the majority of Americans, individual and family major medical health insurance policies are a better fit, if they are healthy and are younger than age sixty years old. The three reasons that individual and family major medical health insurance plans are a better fit are that these types of major medical health insurance plans [...]
What do I need car insurance for? Part 2
By Jorge Hiram Garcia, Your Insurance Advisor | April 14, 2010
A few days ago, we discussed how big your liability can extend in case you are responsible for an accident. I got some responses back saying that my figures were exaggerated. Let’s take a closer look, and then we can decide if the figures were exaggerated. During our hypothetical drive, your phone rang and it [...]
What’s the best way to shop for health insurance?
By Jorge Hiram Garcia, Your Insurance Advisor | April 13, 2010
Recently, a friend asked me what I thought was the best way to go about buying major medical health insurance for his family. He received coverage from his employer, but to cover his wife and children with the same plan was quite expensive. I advised him to look at an individual and family major medical [...]
Do I need Road Service Coverage in My Car Insurance Policy?
By Jorge Hiram Garcia, Your Insurance Advisor | April 13, 2010
Road service coverage is commonly offered by car insurance carriers as additional coverage in your car insurance policy, and can add a few dollars to your monthly car insurance bill. Is this extra coverage worth it? Well, it depends on your needs, but, and the number of claims that your car insurance policy will allow [...]
Personal injury protection, or PIP as it’s commonly referred to, even though not many people know what it means, or what it does, is part of your car insurance policy’s medical coverage. Each state determines what medical coverage your car insurance policy should contain. This coverage generally is addressed by two different sections. One section [...]
Automobile insurance, or car insurance as most people refer to this type of insurance coverage, is an essential component of most American’s financial plan. One simply has to have it in order to protect one’s personal assets in case something bad happens. Since most Americans love their cars, and spend quite a bit of time [...]
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