The Best Ohio Health Insurance Plans

May 19, 2012 · 0 comments

Boy.are you in trouble I hear you have to find health insurance for yourself and your family. and you don’t have a clue where to start, what to look for or who to ask. well, join the thousands of consumers that are in the same boat (I’ll refrain from any more puns).

Here’s the good news. you live in Ohio, so your Ohio health insurance rates will be fairly low compared to most states. in addition, there’s a wide variety of plans to choose from.

Oh. I get it. There’s TOO many plans. They all look similar. and the guy from new Jersey tells you buy his plan and the telemarketer from Florida say she’ll tell you which plan is the best.AFTER you give him your credit card information. Sheesh and let’s not forget the slick salesperson that quotes you a price, but can’t provide the coverages in writing.

To help you out. I have listed below 10 of the best available health insurance plans to Ohio residents. yes, you will have to medically qualify. Also, rates will vary according to your age and zip code. and of course.if you don’t smoke, you’ll be getting a healthy discount.

So here we go.

Anthem Blue Access plan 2 $25 Copay on office visits. No deductible on prescriptions.

Anthem Luminos HIA Health Savings Account. Top- notch with preventative coverage

Medical Mutual SuperMed one. Solid policy.

UnitedHealthCare Copay Select. No frills and straightforward.

Celtic Preferred Select. Celtic’s very best policy.

National Life No Claim Allowed. OK. I’m just making sure you’re still with me

Medical Mutual SuperMed one has. I like Anthem’s better, but this one isn’t bad.

UnitedHealthCare has 100. Nice policy. Skip the UHC has 80.

Anthem Blue Access plan 3. 100% coverage after the deductible.

Aetna PPO. Barely makes the list. Good policy, but not great.

The Best Ohio Health Insurance Plans

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How to Get Cheap Homeowners Insurance in Maine

May 19, 2012 · 0 comments

Want to know how to get cheap homeowners insurance in Maine? Here’s the lowdown.

Maine Homeowners Insurance

In Maine, you not only need to protect your home from fire and theft, you also need to protect it from snow, ice, and weather damage. Here’s what a Maine homeowners insurance policy should contain:

Home structure coverage – The amount of coverage you need for your home should be enough to rebuild it in case it’s destroyed by a fire or natural disaster. to figure out how much coverage you need, find out what the square-foot building costs are in your area from a builder or a realtor, then multiply that figure by your home’s square footage.

There are two types of coverage available – replacement cost and cash value coverage.

Replacement cost coverage pays to rebuild your home with building materials of similar quality without deducting for depreciation. Cash value coverage pays to rebuild your home after allowing for depreciation. Though replacement cost coverage costs a little more, it’s worth it.

Standard Maine homeowners insurance does not cover flood damage, so you’ll need to get flood insurance if you live in a flood zone.

Personal property coverage – You personal possessions – clothing, furniture, appliances, electronics, tools, etc. – should be covered by a standard Maine insurance policy. to figure out how much coverage you need, take an inventory of all your personal property, including each item’s value, and use that amount.

Some policies do not adequately insure expensive items like jewelry, furs, and certain types of collections, so you’ll need to purchase additional coverage for those items.

Liability coverage – if you were to be sued because someone hurt himself in your home, you could lose everything you own. Liability insurance covers you for liability damages and also pays your legal fees if you’re sued. Most people have $100,000 worth of liability coverage, but if you have a lot of income or a lot of assets you want to protect, you should purchase enough to cover them.

Getting Cheap Homeowners Insurance in Maine

The quickest and easiest way to get a cheap rate with a reliable insurer is to visit an insurance comparison website. there you’ll get insurance quotes from a number of companies, not just one. that way you can compare rates and choose the best one.

The best insurance comparison websites only deal with A-rated companies, plus they have insurance specialists on hand to answer any questions you may have. (See link below.)

When you purchase your Maine homeowners insurance make sure you get the highest deductible you can afford, and ask for all the discounts you’re entitled to, in order to get the best rate.

How to Get Cheap Homeowners Insurance in Maine

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Must Have: Car Insurance Policy Extras

May 19, 2012 · 0 comments

New cars aren’t getting any cheaper, and when you borrow or save enough to buy a new car, you want it to last a long time. It’s an investment after all. as a result, a number of purchasers of new cars decide to outfit them with the most detailed forms of car insurance they can buy. Alternatively, some people rely on their cars for everything on a daily basis and simply can’t afford to be without their cars or alternate means of transportation.

Comprehensive car insurance policies are designed to offer peace of mind for people who want to protect their cars and for people who rely on their cars every day. Here are 5 comprehensive car insurance policy extras that you should have thrown in when you decide to purchase a new comprehensive car insurance policy. the five extras to include are replacement car keys, car content coverage, windscreen cover, courtesy cars, and free roadside transportation.

1. Replacement car keys

If you’ve ever locked your keys out of your car, you know what a hassle it can be and how much stress it can quickly add to your day. If you don’t have a spare set somewhere close at hand or know someone who does, your only options become trying to pick the lock yourself, which rarely works unless you know what you’re doing, or calling the local authorities or a locksmith to help you.

The police might not be available or might not have the tools, and locksmiths cost far more than most people want to pay. as a result, it’s worth including this particular extra over just about any other when it comes to comprehensive car insurance coverage, as it’s just too easy to find yourself stranded due to a split second mistake like locking yourself out of your car.

2. Car content coverage

While it would be nice not to have to worry about protecting the things inside your car, the truth is that there are people who will do what they can to rob you if they happen to pass your vehicle. There are all sorts of things a burglar could covet, including clothing, CDs, mp3 players, and cell phones. While it isn’t always possible to keep people from taking things that don’t belong to them, you can protect yourself by investing in insurance that will help you replace your valuables if they are stolen.

3. Windscreen repair

Windscreens are surprisingly delicate pieces of machinery. While windscreens typically will not shatter if they are hit by debris, they can certainly develop hairline cracks that can make it difficult to see at best and quite dangerous in the worst case scenario. Windshields are also expensive to replace or repair, which is why it makes sense to throw windscreen repair in as an extra when you decide to buy comprehensive car insurance coverage.

4. Courtesy cars

No matter how good one’s driving skills, maintenance habits, or mechanic is, it’s a fact of life that one day or another, your car will probably eventually break down, leaving you without anything to drive until it has been fixed. Investing in a courtesy car extra in your comprehensive car insurance cover can keep you from being stranded without a car while you wait for your main vehicle to be repaired. this is an essential element of cover for people who use their cars on a daily basis for work.

5. Free roadside transportation

Finally, while you can’t always prevent your car breaking down, you can invest in cover to give you free transportation to the nearest garage or to your home so you can start putting your day back together if your car breaks down.

Must Have: Car Insurance Policy Extras

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