Tag Archives: Need

Individual Health Insurance Georgia – Plans That Suits Need of Every Citizen!

Georgia residents are bit lucky as they have wide variety of health insurance plans available. Most of the working class enjoys the benefits of group health insurance where as there are many individual health insurance Georgia plans available for the residents of Georgia. The basic reason is that there are many companies who have laid their foundation here and thus are opening their offices at every part of the state in order to ensure that most of the people get coverage under health insurance.

Some of the companies are Aetna, Blue Cross Blue Shield, Cigna, Cobra, Coventry and United Health Care. There are many government-funded agencies which offer beneficiary and good individual health insurance plans such as Peach State for Kids, AmeriGroup and many more. All these health insurance Georgia plans have specific credentials and necessities for membership and also each one of them offers different benefits.

With the abrupt economic recession, people are finding hard to invest their money. Also, considering the last ten years of data, we can easily predict that healthcare expenses are becoming costlier on daily basis. Thus, it becomes very important that you and your family have an adequate individual health insurance Georgia plan. This will surely reduce the financial burden from your shoulder in case of any unexpected injury or illness. Apart from taking proper care at the time of any injury or illness, these individual healthcare plans provides other benefits as well such as they are more likely to have regular check-ups, annual physical exam, that lead to early diagnosis and treatment. This, in turn, is of immense help in improving your health.

In case if you are employed somewhere, then probably you may get individual health insurance Georgia plan as a part of your compensation package. However, there are chances when you may not be getting health insurance from your employer or you may be unemployed or self-employed, then it’s your own responsibility to purchase individual health insurance plan for yourself. However, you may get the difference in rates of individual health insurance plans from group health insurance plans. Hence, before choosing any plan, you should ask the rates for the same. Further, there are many individual health insurance plans available in the market with different rates.

When you have selected any individual health insurance Georgia plan for yourself, then you have to first qualify for the insurance plan, then only you will be able to purchase that particular plan. In order to qualify, you need to fill out an application. This application will ask you questions related to your health and any pre-existing illness or disease or your past medical history. If you have ever suffered from any disease or illness which has the probability of again arising in future, then it becomes difficult for you to get approval for the individual health insurance plan. However, there are some companies and plans available which may offer you the coverage even if you any pre-existing illness or disease, but, in these cases you may have to bear high premium cost to get the coverage.

Sam Dicosta shares his knowledge on health insurance that makes you able to find the plans that best fits your needs. If you want to know about Family health insurance Georgia, individual health insurance Georgia, group health insurance, affordable health insurance Georgia, Wellpath north Carolina visit www.cvty-healthinsurance.com

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What Austin Business Insurance Do I Really Need?

And What Can You Reasonably Do Without?

In an ideal world Austin entrepreneurs could afford a comprehensive Austin business insurance program that would protect you from any conceivable exposure. (I think this is the same world where you have unlimited funding, 48 hours in a day, and customers that would crawl over hot coals to buy from you)!

In case you’re not quite in that situation some important decisions have to be made. Make sure you make educated ones. Most companies that are bootstrapping don’t have the cash flow to transfer every risk via an Austin business insurance policy. So what insurance coverage does an Austin startup (or any business for that matter) really need?
That obviously depends on your business. We need to make sure you diagnose before you prescribe. The first step is to start with an assessment of potential risks. This process helps uncover a range of issues including regulatory compliance, risks associated with employees, potential third party liabilities, property risk, contractual risk, and threats to net income.

Once this assessment has been completed (and you’ve had a chance to practice some of those breathing exercises… you know… the ones that are supposed to calm you down and reduce your blood pressure) you can then, with the help of a Certified Insurance Counselor, make educated decisions that will help prioritize these exposures and help answer the following questions:

Which risks pose an immediate threat?
Which risks are the most likely to occur?
Which risks would be the most severe?
Which risks can we afford to retain or self insure?
Which risks can be reasonably be avoided?
Which ones can be mitigated or reduced?
Which ones can be transferred contractually?
What risks do I need to transfer via business insurance?

Austin business insurance is only one piece of managing risk and protecting your business. Other avenues should be explored before blindly buying an insurance policy.

The good news is that getting professional help, (wait… that doesn’t sound quite right…), is available and in most cases costs no more than randomly buying insurance from someone over the internet.

Here Is A Brief Synopsis Of Some Of The Types Of Coverage You Need To Evaluate For Your Austin Business Insurance:

Austin General Liability Insurance

A broad commercial policy that covers liability exposures of a business that are not specifically excluded. Coverage typically includes product liability, completed operations, premises and operations, and personal and advertising injury. It is recommended that all businesses operating have general liability coverage in place.

Business Owners Policy

An Austin business insurance policy that combines property, liability and business interruption coverages for small to medium-sized businesses. Coverage is generally cheaper than if purchased through separate insurance policies. A Business Owners policy is typically available to businesses and industries that are typically viewed as having relatively low liability exposures.

Austin Workers Comp & Employers Liability

This coverage pays for medical care and physical rehabilitation of employees injured at work and helps to replace lost wages while they are unable to work. Additionally this coverage protects an employer from being sued by an injured worker in most cases. A commonly overlooked exposure for companies who employ mostly office workers is the potential injury to employees while driving their own vehicles on company business. This could be as simple as an employee driving to a sales call, the bank or office supply store. If you have employees it is critical that you secure this important coverage.

Professional Liability Insurance Austin

E&O insurance covers professionals for negligence and errors or omissions that injure their clients. In addition to covering licensed professionals such as accountants, attorneys, insurance agents, architect and engineers to name a few, technology companies frequently have a professional liability exposure. This typically arises from the fact that the general liability policy excludes damage to data. Technology E&O can protect your company in the event that your negligence, error, or omission causes damage to a third party’s data. It is recommended that all professional and technology companies have E&O coverage. Contact an Agent today for more information business insurance.

Austin Umbrella Insurance

This Cedar Park business insurance policy provides coverage for losses above the limit of an underlying policy or policies such as General Liability, Employers Liability and Automobile Liability. While it applies to losses over the dollar amount in the underlying policies, terms of coverage are sometimes broader than those of underlying policies. Due to the unpredictable nature of jury awards, it is recommended that your business insurance program have this coverage.

Austin Employment Practices Liability Insurance

Employment Practices Liability Insurance for employers that covers employment related liabilities other than on the job injuries. EPLI will cover legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights. Although only three percent of Employment Practices lawsuits go in favor of the plaintiff, the average cost to defend yourself in one of these is well over $ 200,000.

Austin Commercial Auto Policy

This Austin business insurance policy provides coverage for bodily injury liability and property damage, for injuries/damage the policyholder causes to someone else. Medical payments or Personal Injury Protection (PIP) for treatment of injuries to the driver and passengers of the policyholder’s car are also offered. Optional property coverages for damage to the insureds vehicles are also available in the form of collision, for damage to the policyholder’s car from a collision and comprehensive, for damage to the policyholder’s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, and riots), and theft. Uninsured motorists’ coverage, for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance is also recommended.

These are just a few of the Austin business Insurance coverages. If you have questions, feel free to contact Inspire Insurance solutions, your one-stop solution for all your Austin business Insurance needs.

Inspire Insurance Solutions can place you with the most competitive Austin business Insurance carriers. Visit our site to get a free insurance review.

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Senior Travel Insurance – Why Seniors Really Need It

Senior travel insurance should be mandatory for those who want to be protected from the unexpected. Travel insurance is the perfect safety net in case you get sick, injured, or in case you have to cancel your ticket and travel plans due to illness.

The biggest problem is that obtaining cheap senior travel insurance is not an easy task. This is because insurance companies use age as a determining factor when decided the price of premiums. Seniors need to take a look and compare the different travel insurance that is available.

Why It is Important to Get Senior Travel Insurance

What happens when you visit the perfect destination and the unexpected happens? You might get incredibly sick, have a major accident, or you might even have a heart attack. Any of these situations could cost you a lot of money if you don’t have travel insurance. You will need prescription medicine, a doctor’s examination, hospitalization, and in the worst scenario, your body might need to be transported back to the United States for burial.

If seniors have a comprehensive travel insurance that covers all medical costs, prescription drugs, and doctors’ fees, they can better enjoy their vacations and feel confident that they are protected.

If you fail to have senior travel insurance, you will need to pay for all costs upfront. That includes your hospital treatment, which in many countries can be very expensive. Even the cost of certain medications can cost more than they do in the United States, because of the shortage of those medicines. This means that a simple stomachache can turn into something more serious, might cost you thousands of dollars if you are uninsured.

Tips on Obtaining and Using Senior Travel Insurance

Visit Your Doctor before You Look for Insurance – Naturally, it’s a good idea for seniors to get a check up before going on some international trip. However, most senior citizens probably didn’t know how important it is to have a good health stamp of approval before applying for travel insurance. This lets your insurer know that you are not a high risk person, and if you have any pre-existing conditions, you can find out if your insurance policy will cover it.

Hold on to Receipts – Make sure you save and make copies of all of your medical and prescription receipts. If you don’t have them, you might have to reimburse the insurer, or you might not receive any money if you pre-paid your bills.

Dangerous Activities – If you plan on participating in any potentially dangerous hobbies, such as paragliding, scuba diving, mountain climbing, jungle trekking, or other potentially risky adventures, ask before signing the dotted line on your senior travel insurance policy.

Visiting Dangerous Countries – Some travel insurance companies will charge you more if you decide to visit countries that are experiencing some conflict. There might even be countries where some companies might deny issuing senior travel insurance all together. Always be upfront about where you plan on visiting and what you plan on doing there.

How Long Do You Need Coverage – Most senior travel insurance is issued with time periods. For instance, you can purchase insurance for two weeks, a month, six months, or more. It’s important to have a general time frame in mind when you purchase your policy. Always check if you can get extensions on your insurance policy if you plan on staying longer at a destination. Also, make sure that the travel insurance policy will expire after a certain time, so you don’t get charged again for extra time that you don’t need.

Senior Travel Insurance – Conclusion

The cost of senior travel insurance will probably be on the minds of most senior citizens when they look around for a policy. Check the Internet for travel insurance companies, and also check around your area for companies that specialize in travel insurance. You can also ask your current insurance company if they have any travel insurance policies. It is always better when you have some kind of medical coverage when you are traveling abroad.

See which senior travel insurance is right for you. Take a few seconds and visit: ============>>> Universal Senior Living:

Disability Insurance For a Physician: Medical Residents Need This Fresh Out of School

Trying to get disability insurance for a physician at the end of his or her residency will be difficult. Any medical conditions that were obtained by the physician during the residency will make buying the insurance plan possible but not favorable. Premium payments will be higher and benefits may not be very beneficial.

One concern of medical residents for not taking advantage of better rates for insurance plans is their need to pay their outstanding student loans. As medical students, their student loans from medical school can exceed $ 100,000. As physicians attempting to enroll for disability insurance, they may find that they may be not getting the best policy and rates than as medical students.

During medical residency, the hospital and residency program may offer group disability insurance plans. But these are limited because they stop when you stop working as a resident. The need to have your own policy suddenly arises and you reach a stumbling block trying to enroll for your own plan as a physician. Then, other regular payments pile up, including student loan payments and basic necessities and room for insurance is further adjusted. And if you receive an injury of any kind while working as a resident, your full potential may not be the same and can affect your income and put you in further debt.

Enrolling for disability insurance for physicians as a medical resident is the ideal solution to protect whatever future income you may have and being able to pay your student loans regularly. Purchasing an insurance plan earlier is also advantageous because you get a lower premium based on your age and health status alone. And because, as a medical student, you are still free from injuries, and you’re in perfect health, you will be able to get the best policy and rate available for your profession.

There are some things to remember when shopping for disability insurance. Make sure that your policy defines your specific occupation or has an occupational coverage. Enrolling under a general occupation coverage will not leave you room for options in case you happen to become injured during your medical residency. Specifying your occupation at the start of your coverage ensures you that, should an injury, whether minor or serious, occur during your medical residency, you will be covered by your insurance.

Guaranteed renewable policies that cannot be canceled by the insurer is a great way to go. This means that no matter what injury you may obtain during residency, the insurance company cannot cancel, change or refuse to renew your policy for any reason or any time, as long as you pay your premiums.

As with any other plans, these must be carefully studied and examined. These policies have maximum and elimination period of benefits. You should not assume that the company will pay 100 percent of your income. Most insurance companies only pay about 50 to 60 percent of your income. And they don’t release the money immediately after disability or injury. The policy holder may have to wait at least a month or up to a year before receiving any money. Careful study will ensure that you will get the best policy and rates for the disability insurance that you want.

If you think, as a medical resident, everything about disability insurance for physicians will be difficult, do not hesitate to seek the help of a specialist or a broker to help you research. Do not rush this process. It’s important that you get the best plan you can afford.

Andy West is a writer for Doctor Disability, empowering physicians to protect what matters most. Protect your income with Disability Insurance for Physician and Dentists. For more information please visit Doctordisability.com.

The Guide to Income Protection for Medical Residents, Fellows & New Practicing Physicians


  • Author: Allan Phillips
  • Binding: Kindle Edition
  • Edition: 1
  • Format: Kindle eBook
  • Languages: Name: English; Type: Published
  • Number Of Pages: 32
  • Product Group: eBooks
  • Product Type Name: ABIS_EBOOKS
  • Publication Date: 2014-09-23
  • Release Date: 2014-09-23
  • Title: The Guide to Income Protection for Medical Residents, Fellows & New Practicing Physicians

Do You Really Need Student Health Insurance?

When you finally get done with high school, college probably isn’t too far behind and many times when a child reaches a certain age they can no longer be covered by their parents insurance. This can become quite a troubling situation if they aren’t working, however, many colleges actually offer health care plans for the student body. Deciding if these plans are good for you or not takes a lot of deliberating. For the most part college health benefits are going to vary from school to school and although many people think that this is free, which definitely is NOT the case. While office visits and routine check-ups can be free of charge but lab work and other specialty items will cost you money.

Benefits will usually pay for only certain types of covered services at the health care campus center. In the event that you have to see an outside doctor then the student’s coverage can drop up to 70% and run the risk of being required to pay a high deductible. Also, if you have a pre-existing health condition then you may have a problem getting treatment at a college health care center. When you have a pre-existing disease of have a disability of sorts this doesn’t mean you will be disqualified for getting a health insurance plan but you may not be able to get treatment for your pre-existing condition.

Obviously this isn’t a good thing and can lead to a number of problems! All plans are all different so be sure you find out as much information about your college’s plan as you can. If you have children and your going to college, it’s a good idea to make sure you or your child will be covered when school is out. This is an important facet because the last thing you want to do is have an accident of some sort and then find out that the insurance becomes inactive when you are not in class. Several colleges do have coverage during off season but many do not. So just be sure to double check with this. Make sure that you understand the plan that you are under, is it an HMO? Or can the individual that is covered use any provider that they want? This is important as well because you need to know where you can go in case of an emergency and there is nothing worse than having an accident, going to an invalid provider and then finding out afterwards that you have to pay the entire medical bill!

There really is no definitive answer as to whether you should or shouldn’t commit in getting a college health insurance. Be sure that you realize your plan in full so that no troubles can develop in the event of a pinch. While it is not free insurance, it surely will save you money in the event of an illness. In the end, it’s up to you. But be sure to go over all the pros and cons before making a finalized decision and as aforementioned, be aware of all the “rules” and regulations.

This author is a HUGE fan of cheap student health insurance

Infuser Water Bottle Create Your Own Infused Water Lemonade Juice Iced Tea Sparkling Beverages Leak Proof Travel Water Bottle for Sports and Fitness Fans (Blue)


  • Binding: Misc.
  • Color: Blue
  • EAN: 0603016961350
  • EAN List: EAN List Element: 0603016961350
  • Label: Triton
  • Manufacturer: Triton
  • Package Dimensions: Height: 320; Length: 1040; Weight: 40; Width: 330
  • Product Group: Sports
  • Product Type Name: SPORTING_GOODS
  • Publisher: Triton
  • Size: 20 oz
  • Studio: Triton
  • Title: Infuser Water Bottle Create Your Own Infused Water Lemonade Juice Iced Tea Sparkling Beverages Leak Proof Travel Water Bottle for Sports and Fitness Fans (Blue)
  • UPC: 603016961350
  • UPC List: UPC List Element: 603016961350