When dealing with Individual Health Insurance, depending on your personal health history, it can be dicey to apply because you don’t know whether you’ll be accepted or not and if you are, and are offered coverage at an above standard rate, will it be affordable? Depending on your situation there are some options in California, [...]
Entries from August 2008
Individual health insurance–explain guaranteed issue plans?
August 29th, 2008 No Comments
Tags: Group Health Insurance · guaranteed issue health plans · Individual Health Insurance · mini med plans
Long Term Care Insurance–how much does it cost? I can pay for it without insurance. Oh yeah?
August 13th, 2008 2 Comments
The problem with Long Term Care insurance when speaking to prospective clients about it is the cost. That may come before or after the denial of the need for it, because none of us want to admit that we need it. At least I don’t, but I bought it anyway. To avoid ever needing it, [...]
Tags: Long Term Care Insurance · LTC · LTCi
Health Savings Accounts–now you get a more realistic idea of the cost of care
August 8th, 2008 No Comments
Did you know that it doesn’t really cost $10 to see a doctor? The HMO plans have gotten people into the mind set that it’s only $10 to see a doctor. When you have a Health Savings Account (HSA) you have a much more tuned in idea of cost.
In HMO plans mainly, you have a [...]
Tags: Health insurance · Health Savings Account · HSA
Annuities and the beauty of tax deferred growth
August 5th, 2008 No Comments
Annuities are a tool that allow money to grow on a tax deferred basis. Not tax free, tax deferred. Tax deferred growth is the benefit of retirement plans, whether you are looking at an employer plan such as a 401k or 403b, or an IRA you start yourself. The idea is that you let this [...]
Tags: Annuities
