The Trump administration this week released the final rule on short-term health insurance plans that are a cheaper alternative to buying individual insurance on the Obamacare exchange but usually offer far less comprehensive coverage. The rule comes just weeks after the administration broadened the reach of association health plans, another type of health plan that skirts coverage mandates established by the Affordable Care Act. The one-two punch is seen by the White House as providing more affordable options than consumers can find on the ACA exchanges. "From 2013 to 2017 insurance premiums more than doubled under the Affordable Care Act, shutting out tons of middle-class Americans who don't get subsidies," according to a White House press release. For instance, a standard silver plan under the ACA now averages $481 a month for a 40-year-old nonsmoker. A short-term plan might cost as little as $160 a month, according to some estimates. But lower premiums may be … [Read more...] about Short-term health insurance plans: What you need to know
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Published 11:20 am, Tuesday, June 5, 2018 Were you injured in an accident? Has your teen gotten a traffic ticket or been charged with a misdemeanor? Do you need to handle a divorce or make a will? This may sound like an infomercial, but these are common situations where you might find yourself wanting some legal advice. Unfortunately, lawyers can be expensive. Personal legal insurance could help you get legal assistance for less. Read on for our in-depth guide to this type of insurance, from costs and coverage to the caveats you should keep in mind. How Much Does a Lawyer Cost? The cost of legal representation varies depending on the lawyer's experience, the type of case, the prestige of the law firm, and the part of the country you're in. You're most likely to pay by the hour — and that rate can be quite high. For example, look at the matrix of reasonable attorneys fees prepared by the U.S. Attorney's Office for the District of Columbia. For 2018, it lists a rate … [Read more...] about Do You Need Personal Legal Insurance?
(WXYZ) - When he was diagnosed with two autoimmune diseases, Joel Hechler knew he’d be in for a battle. He didn’t realize maybe his toughest one would be with his insurance company.“I think they put the dollars ahead of a patient’s health,” Hechler said. “I don’t think they fully understand the impact the medicine will have on my long-term health and well-being."Hechler suffers from Crohn’s disease and ulcerative colitis, diseases that attack the lining of his digestive tract. Autoimmune conditions like his can’t be cured but, with the right medication, the symptoms can be controlled. Finding the right medicine can be hard for those suffering from autoimmune diseases. Even if there are scores of drugs on the market, some patients might only respond to one. In Joel’s case, his doctor thought he’d have a better chance trying a drug called Remicade.“I received a letter from my insurance company … [Read more...] about Step therapy: Doctors say insurance companies are undermining patient health
Ever drop and shatter the screen on your smartphone? Your precious? Your portal of connectivity to all things social? Ever wear out a camera module from addiction to taking pictures of every meal you make, and every cat you encounter?Back in the days when I was a retail rep for one of the major wireless carriers, it was always a priority to offer mobile insurance with every new or upgraded phone. You know the drill, an extra $7-10 per-month would provide the peace of mind should the unthinkable happen to that mini-computer you just bought. Yes, there was incentive to sell the feature, but by-and-large, the service works with little undue drama should the unthinkable happen, and coverage was immediate.More than a few times, a customer would reject the offer, and not get across the parking lot before dropping their brand-new flagship on the pavement, effectively destroying the display or causing some other unseen damage. With tears in their eyes, some would beg for an accommodation, an … [Read more...] about Mobile phone insurance versus repairs – how do costs add up?
If you break the screen of the Galaxy S7 edge , it will cost you the whopping $270 plus at least a week turnaround time to get it replaced, and the only display provider is Samsung . If that is not a rallying cry to summon your inner grace each time you handle this phone , or keep it in bubble wrap, we don't know what would be. Granted, you can always put an armored case around this pretty puppy, plus a layer of screen protection, but, let's face it, it won't look as good, plus the edge screen might not work as well. What if you are a phone nudist, and don't place any protection so as not to cover the shiny surface, until just that one night out on the town comes, or a natural born klutz, and constantly drop your handsets? Well, then what's left for you is to either pony up a Benjamin (or two or three), if you shatter the screen or cause any other damage, or to try and insure the gear from the get-go, so the sting on your finances is not as piercing. Which insurance to pick, … [Read more...] about Verizon, AT&T, T-Mobile and Sprint phone insurance compared to AppleCare, Samsung Protection and SquareTrade