Group Health Insurance - Alternative Medicine Style

Many people suffering from an illness or injury may be reluctant to try alternative medicine over conventional forms of treatment because of the cost. Many health insurance companies do not cover numerous necessary modern medical treatments, let alone alternative therapies. In the long run, however, alternative medicine treatments are cheaper to fund than those used in conventional medicine.

In The Beginning

Providing any type of insurance is big business these days, and that includes group health insurance for alternative treatments. The insurance company is selling you a service only because they want the profit that goes along with it. Many insurance companies feel intimidating, but remember that they need your business. While it may not appear so, most insurance policies are not carved in stone, so don't be afraid to try to personalize it a little.

Group health insurance for alternative medicine means that a group of people would buy into the same plan. This is the usual plan that you would receive from your employer. As of now, you cannot get health insurance that covers alternative medicine just for yourself. There are group health insurance for alternative medicine plans that can be obtained through a social service agency or through other organizations. You should check the Agency for Healthcare Research and Quality for help finding these plans.

Times are changing, and more and more people are realizing the benefits of alternative medicine and demanding access to these services. Now, some health insurance policies will cover alternative treatments like chiropractic care, acupuncture, and even hypnotherapy. Check with your insurance company and start requesting the addition of alternative treatments to your plan. Organizing group health insurance (alternative or conventional medicine insurance) takes time and patience. However, there are a few things you can do to move towards being able to get some sort of compensation for your alternative medical treatment costs:

* Ask your provider if they will accept installment payments, instead of paying for services all at once.

* Have your primary care physician explain in writing why this treatment is necessary for your health and well being.

* Get in touch with the Alternative Medicine Foundation or the National Centre for Complimentary and Alternative medicines for research papers and other information your insurance company may need to convince them that the treatment you received was absolutely necessary to help your specific symptoms and ailment.

Three Things You Didn't Know About Car Insurance in Ontario?

Useful tips for getting affordable car insurance coverage in Ontario

Car insurance in Canada is a big household expense. In fact, car insurance in Canada is more expensive than in many other countries. Ontario's auto insurance rates are the highest in Canada - drivers pay, on average, more than $170 per month in premiums.

Complicating the issue is the fact that Ontario car insurance rules are not very straightforward. Ontario uses a hybrid combination of tort insurance (one party can sue the other) and no-fault insurance.

With high rates and seemingly arbitrary rules, what little-known facts about car insurance in Ontario might be useful for you? Read on to find out!

Do not take too much insurance (in some cases)

Robust coverage is good, but it comes at a cost. Think about your risks and insure accordingly. By law, your insurance policy has $200,000 in 3rd party liability, but it is recommended that you carry more than that. Aim for $1,000,000 at least; $2,000,000 is better. If somebody decides to sue you, costs can add up very quickly.

At the same time, however, it is not always necessary to get comprehensive coverage. For example, if you have an older car, you might decide not to get this coverage. Skipping comprehensive coverage on an older car could reduce your monthly insurance premiums.

On a new or leased vehicle, comprehensive coverage is usually a requirement.

Old car coverage can go UP! Classic car insurance rates in Ontario

The older your car, the less value it has, right? In most cases, but not always. There are two scenarios when older cars will have higher rates than new vehicles.

First, some older models of vehicles will be more expensive to insure because some models have a terrible insurance history. For example, they are prone to theft, so insuring them is risky.

Second, at some age (typically 20+ years) cars can be considered classic or antique vehicles, resulting in a special type of insurance coverage, such as classic car insurance or antique auto insurance. Only a few companies offer these types of car insurance in Ontario and, depending on your car and your driving habits (year-long vs. summer months only) car protection rates can be more expensive than mainstream vehicles.

Car insurance and rental cars

Many people are confused about rental vehicle insurance. You may think the insurance attached to your credit card is enough, but it's not. It doesn't cover 3rd party liability or damages to other people's property. You also have to watch out for the rental agency's collision damage waiver, which may not cover all the costs associated with an accident.

The best approach is to make sure that you have your own car insurance (if you have your own car), and to ensure that it also extends to rental cars - many insurers do that. If you don't have this extension on your insurance, you can, for approximately $20 per year, buy a rider for your policy that covers rental cars. It is worth the cost since you'll pay between $15-$20 per day for the same coverage from the rental agency.

We hope that you will consider these insights when you get auto insurance in Ontario. These tips have been provided by SaltykoAlexey v from InsurEye, the largest Canadian platform for insurance reviews, and your portal for access to cheap car insurance in Ontario and other provinces.

Renewing Car Insurance Policies - Do's and Don'ts?

 car insurance cover for your vehicle has become extremely imperative while driving on today's accident-prone, high traffic roads and dealing with uncertain conditions almost every day. Car insurance cover relieves your mind of the financial tension at least, takes your mind off the continuous worry of the expense that may occur from any unintentional damage occurred. So, one must be consciously aware of the car insurance term at any given point of time lest it expires and you are caught off guard with an unwarranted situation, only to find out that your car insurance is due for renewal.                                                                                                                                                                                                                       

   While the mandatory renewal of car insurance every year may seem like a monotonous and rather tedious procedure but it is critical to get it done on time in an appropriate manner. Moreover, it is important to consider certain aspects in mind while renewing your car insurance policy; there are some do's and don'ts that can go a long way in helping you to have your car insurance renewal done in an informed manner. Let's have a quick at some of these points and help to smoo then out the process for you and also help in going for relatively cheap car insurance, at best price with the best services.

Do's - Get it right

1. Comparison among policies- The first and foremost thing to consider while renewing the car insurance policy is the fact that there is a wide variety of insurance covers in the market to choose from with absolutely no compulsion to continue with the same policy taken. In case you experience certain inadequacies in the interim of one year of the policy or you may wish to upgrade your policy as per the changing demands, then, you always have the option of switching to a new one. Before that, it is critical to take note of the varied policies available in the market and make a thorough comparative analysis.

2. Accurate Details in the Form- While filling up the form for car insurance renewal, it is utmost important to fill inaccurate details about your car and to the best of your knowledge so as to get a suitable policy by the company. Thus, it is advised to fill up the form in a relaxed state and on your own as you know your requirements better than any company agent.

3. Policy Record- Once you have renewed the policy, make sure to fill a copy in a file and keep it with for the record or if it's a soft copy, then save it with you on a hard drive so as to not lose it. It's important to maintain a proper record as it gives all information required at any point and leaves no room for any confusion when it comes to availing the No-Claim Bonus (NCB) or any other future claim.

4. Add on Covers- Before taking up any policy, it is vital to take note of all the add-on covers and go through them at length so as to choose wisely the ones that suit your needs instead of blindly going for everything and end up paying a huge amount unnecessarily.

Does My Child Need Infant Dental Care

Does My Child Need Infant Dental Care

As you bolster your infant in your arms and investigate his cherubic smile, you may typically consider when your little one should see a pediatric dental professional. It is an average misinformed judgment that gatekeepers ought to sit tight for baby teeth to appear before getting some answers concerning infant kid dental care.

Every infant kid advantage from step by step oral cleanings. Basically use a sensitive texture immersed with warm water, and softly wipe your kid’s gums. This removes any holding up condition or deplete and suspects minute living beings improvement.

From the age of a half year to 3 years, baby teeth will begin transmitting, as showed by the American Academy of Pediatric Dentistry. This is the time when you should start using a fragile swarm newborn child toothbrush with somewhat spread of tyke safe fluoridated toothpaste, for instance, My First Colgate® for adolescents ages 0– 2 to wash down the teeth twice every day. Once the tyke accomplishes age 2, a greater, pea-sized spot of toothpaste is recommended.

To begin with Dentist Visit

Teeth for the most part start to overcome the gumline at a half year of age. Most adolescents will visit the dental authority before they praise their first birthday festivity. Newborn child teeth will well ordered appear until the age of 3.

When you see teeth buds anticipating through the gums, call your pediatric dental professional for a hidden examination. Regardless of the way that your dental authority can’t see various teeth, he will do a preventive checkup on everything that is self-evident. For sure, even newborn child teeth are in risk for decay, especially since the teeth are regularly secured with empty or crush out of routine managing. The dental professional will similarly look at tooth and snack course of action if the newborn child sucks his fingers.

Baby teeth

As your little one makes teeth, infant kid dental care is essential. Keep away from giving a container stacked with juice very still time. This can propel tooth spoil. If your baby won’t fall asleep without a compartment, fill it with water to avoid any dental damage. Try to oblige juice to mealtimes with the objective that the sugary liquid escapes by eating.

Your youngster’s mouth may wind up evidently sore and cumbersome in the midst of getting teeth. Give assistance by using a chilled remedial ring and by wiping the gums with a frigid washcloth earlier and afterward a while later suppers.

California car insurance

Does Long-Term Care Insurance Cover Costs Forever?

Does Long-Term Care Insurance Cover Costs Forever?

Long-term care insurance provides coverage for limited times. It is unlikely the benefit will cover costs “forever”. Therefore, you can manage the costs of your long-term care insurance by choosing plans with longer or shorter periods of coverage, as well as by choosing the length of time you will be dependent for before the benefits kick in. We discuss this more in the 10 tips and questions to ask about long-term care below.

10 Tips for Buying Good Long-Term Care Insurance: Your LTC Buyers Checklist

Since each insurance company works with their own underwriting standards, it is helpful to have a checklist of items to ask about so you understand what you are shopping for and buying in the coverage.

Here are some points that are important to consider when you are looking for the best company to cover you for LTC:

Ask them about the Activities of Daily Living requirements in order for you to receive a payout of benefits, you want to understand what qualifies for coverage under the LTC plan you are considering.Does it cover cognitive impairment, some peoplOptionse may have cognitive impairment, yet still be able to perform ADL. Will the plan you are looking at payout in these cases?Find out what is on the list of Activities of Daily Living that qualify for each plan you are comparing. For example, maybe there is a function of daily living that you can not perform, but by the terms of the policy you chose, it isn’t considered one of the qualifying ADL. A company will usually require more than one activity of daily living to be an issue before you can qualify for your benefits. You want to know what qualifies in advance before you buy your policy.                                              There is no standard definition across the industry for how ADL are evaluated,                            so it is important to ask questions and get examples o situations for the coverage you are buying. Some examples of ADL are: bathing, dressing, moving around (transferring), eating. How each is defined can make a difference.Ask them if there is a cash value or option to cash out should you not use the coverage and if the policy pays dividends. What happens if you die and haven’t used the coverage?Compare cost of single coverage vs. shared coverage with a spouse. This is a good way to save money. In these circumstances ask for a full explanation of what happens and how this shared benefit works if you both are requiring care, vs. only one of you.Do premiums increase over time or remain constant? Is there inflation protection? Inflation will affect rates of long-term care you may have options in the plan you purchase that addresses this.How will payment work in a claim? What is the claims process? Are there monthly or daily amounts? What are the limits?What is the maximum benefit pool? What is the maximum amount of time the benefits are payable for? On average, an LTC policy may provide between one to five years of coverage. Policies do not usually have an unlimited amount of time. This is an important factor to consider when comparing policies. Then, you will want to know if there are riders available to extend that time. These details can make a big difference in your choices and when comparing cost.Is there a waiting period? How long is it?If you take a policy with a longer term waiting period, do you have other benefits that you qualify for that can cover you during the waiting period, like Medicare or other private health plans?

When Should You Buy Long-Term Care Insurance?

People often wait until they think they need something before they start planning for it, and unfortunately, in the case of Long-Term Care Insurance, this will not work in your favor. The AALTCI recommends the ideal age to look into long-term health care insurance to be between the ages of 52-64.

In fact, according to data from the American Association for Long-Term Care Insurance, the rate of rejection for long-term care insurance seems to increase with age. So you may even want to look into options sooner. The increasing rate of rejection as you age makes a lot of sense given that insurance is based on an expected risk, and as you get older more medical restrictions and situations may come up which would point to an increased risk leading to a greater need for long-term care.

Who Should Buy Long-Term Care Insurance to Cover Costs?

Obviously, if you are worried about your future you should consider buying long-term care insurance either for yourself, or a parent. However, you should also consider:

Making sure you have good health insurance in the first place. Preventative medicine and taking steps to take care of your health may help identify problems before they become serious in many cases. Checking if you have other potential sources of income that you could turn to in a long-term care situation. For example, do you already have a life insurance policy that you may be willing to borrow money from or if the situation came up?Are you in a position to self-insure long-term care costs? Do you have family members who will help? Are those family members really in a position to help?

The decision to purchase long-term care should be reviewed as part of your long-term financial plan. Whether you need it or not is very specific to your own situation. You may decide after reviewing with your financial planner or broker that there are complimentary choices to explore, or you may make changes to your other insurance coverages as a result that will save you money.

California Car insurance 2?

California Car insurance 2?

California is among the 13 states that have a pure comparative fault rule. States with pure comparative negligence laws let all drivers recover some payment for their damages, even if they are mostly to blame. For example, a driver 70 percent at fault in an accident could make a claim for damages against the other driver’s liability coverage but expect to receive only 30 percent of the claim amount.

Claims

You should file a claim promptly after an accident. Your policy should state what is required of you, which may say a reasonable time period or give a specific time-frame in which to make the claim. For instance, you typically must file a stolen car claim within 30 days of the theft.
California requires an acknowledgment of all claims within 15 days. Under California law, insurance companies are required to accept or deny the claim within 40 days after receiving proof of the claim. If the claim is accepted, payment must be made within 30 days from the date settlement was reached.
You have up to three years to file a property damage lawsuit.

Medical claims

California law requires that you file medical claims within two years of the incident. You have up to two years after the incident to file a personal injury lawsuit.

For more info please sign up.

California car insurance

Cheap car insurance in California

California car insurance requirements

State law requires the following coverages:Minimum bodily injury liability$15,000/$30,000Minimum property damage liability$5,000

California laws mandate that you carry minimum liability coverage limits of 15/30/5 on your vehicle. While buying just minimum coverage means you are getting the cheapest car insurance in California, you are only covered for damage you do to other drivers’ cars and for others’ injuries. That means your insurer won’t pay for damage to your car or for your injuries if you cause an accident.

Keep in mind that a minor accident could easily exceed minimum liability coverage limits, leaving you responsible to pay for damages not covered by insurance. For example, if you have $30,000 in bodily injury liability insurance and you cause an accident that costs $50,000, you have to pay $20,000 out-of-pocket. If you don’t have the money on hand, your assets may be taken to cover the costs. California also has one of the lowest property damage liability limits in the country at just $5,000. If you hit a car and it costs more than $5,000 to fix it, you’re on the hook for the rest of the bill.

If you want more protection, it will cost more, but as you’ll see in the chart below, additional coverage is typically affordable. Boosting coverage from the state minimum to higher liability limits costs $101 a year or about $9 a month. Hiking your policy to full coverage with a $500 deductible costs, on average, $1,027 more, or $86 a month.

Coverage limitsAverage annual rateLiability Only – state minimum$491Liability Only – 50/100/50 BI/PD$592Full Coverage – 100/300/100 BI/PD
$500 Comp/Collision deductible$1,518

*The table shows the average annual rate of nearly every ZIP code in California from up to six major insurance companies. Rates are for a male driver, age 40, with a clean record and good credit for a 2016 Honda Accord. Data was provided for CarInsurance. com by Quadrant Information Services.

Recommended car insurance coverage

When deciding how much car insurance to buy, you need to assess your particular situation. To drive legally, you must buy at least the minimum liability insurance required by your state. If you didn’t borrow money from a lender to buy your car and you don’t have a lot of money or assets to protect, that might be a wise choice. If, however, you don’t own your car outright, you will be required to get comprehensive and collision coverage. Additionally, if you have a home and savings to protect, it’s wise to buy more coverage.

Use our How Much Car Insurance Do You Need? tool to get a recommendation.

Liability

The more money and assets you have, the more likely it is that you may be sued following a car accident. Unless you are determined to pay the lowest car insurance rate possible, we recommend you buy higher than minimum liability coverage. If your net worth is:

less than $50,000, choose at least 50/100/50between $50,000 and $100,000, choose at least 100/300/100more than $100,000, choose at least 250/500/100

If you’re leasing or financing your car, you automatically need coverage of 100/300/100 or higher.

Collision and comprehensive

Collision coverage pays for damage to your car after an accident that you cause. Comprehensive insurance pays to replace stolen cars and for damages from vandalism, flooding, hail, fire and animal strikes. If your car is:

less than 10 years old, you should strongly consider buying collision and comprehensive. more than 10 years old, only buy collision and comprehensive if your car is worth $3,000 or more, if you couldn’t afford to replace your car if it’s wrecked, or if you just want more protection on your policy.

If you buy comp and collision, check our guide to choosing a deductible amount.

Uninsured/underinsured motorist

Uninsured motorist coverage and underinsured motorist coverage pays for damages if you’re hit by a driver with no insurance or a driver with coverage that’s insufficient to pay for your repairs and medical expenses. These should match the liability limits you choose. In most states, including California, these coverages are optional.

Medical coverage (Med Pay)

Medical payments coverage can help pay for the medical or funeral expenses of covered drivers and passengers after an accident, regardless of fault, up to $25,000. In most states, including California, it’s an optional addition to your car insurance policy. Med Pay does the following:

Covers you and your passengers medical expenses Pays for expenses after health insurance limits are exceeded Offers additional protection to insured drivers who are hit by a car while walking or biking

If you and your passengers:

Don’t have health insurance, or have a plan that doesn’t cover car accidents or has low limits, we recommend that you add medical coverage of at least $5,000 to your car insurance policy. Do have health insurance, it’s still a good idea to have medical coverage if you want the best protection in your policy, as it can pay out after your health benefits are maxed out.

Gap insurance

If you got a loan to pay for your car and have an accident, gap insurance pays the difference between the cash value of your car and the current outstanding balance on your loan or lease.

If you’re financing your car, your car is less than one year old and you’ve put less than 20 percent down on it, you should buy gap insurance. If not, you don’t need gap insurance.If you’re leasing your car, it’s a good idea to buy gap insurance if you don’t already have the coverage in your lease agreement.If you own your car outright, you don’t need gap insurance.

California  car insurance rates by company

Below you’ll see average annual rates for California, ranked cheapest to most expensive, for three coverage levels:

State minimum liability requirements Liability limits of $50,000 per person/$100,000 per accident and $50,000 property damage Liability of $100,000 per person/$300,000 per accident and $100,000 property damage, with comprehensive and collision at $500 deductible

Company State Minimum average annual rateGeico$253Progressive$441Allstate$496Nationwide$575State Farm$576Farmers$604Company50/100/50 average annual rateGeico$313Progressive$533Allstate$544Nationwide$693Farmers$723State Farm$746Company100/300/100 average annual rate Geico$944Progressive$1,128Allstate$1,379Nationwide$1,756Farmers$1,932State Farm$1,967

California rates by company and city

Below you’ll see average annual rates for the 10 cities in the state with the largest population. Rates are for coverage of $100,000 per person/$300,000 per accident and $100,000 of property damage coverage, with comprehensive and collision carrying a $500 deductible.

Insurance Company Los Angeles San Francisco Bakersfield OaklandAnaheimLong Beach San Diego Sacramento San Jose FresnoGeico$1,267$1,034$924$1,086$942$1,082$882$1,021$942$956Progressive$1,439$1,169$1,009$1,204$1,151$1,218$1,067$1,240$1,080$1,111Allstate$1,985$1,596$1,363$1,500$1,407$1,415$1,313$1,542$1,269$1,319State Farm$2,757$2,164$1,926$2,327$1,975$2,175$1,793$2,344$1,881$2,018Nationwide$2,837$2,095$1,568$1,995$1,835$2,009$1,645$1,995$1,682$1,774Farmers$2,854$2,320$1,872$2,399$1,947$2,097$1,781$2,248$1,918$2,212

Scores are based on Insure. com’s “Best Insurance Companies customer review survey of 3,700 customers. Companies not in the top 10 of market share do not qualify. All scores are out of 100.

Best customer service:

USAA – 100Mercury —  94Auto Club of Southern California – 93.9State Farm – 92Allstate – 91.8

Best claims service:

USAA – 100Auto Club of Southern California – 96.3Liberty Mutual – 96Geico –93.9CSAA Insurance Group – 92.5 Progressive – 92.5

Best value for the price:

Auto Club of Southern California – 95Mercury – 92.5CSAA Insurance Group – 91.7USAA – 91.3Progressive – 86.3