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Many people may not have the questioning mind when they find a cheaper deal. Obviously affordable auto insurance premiums are regularly available on the market from various insurers. There could be many good reasons behind undercutting competitors. Essentially companies will have to offer better rates when they are keen to take a larger share in the market. Most consumers are usually reluctant to move away from a provider they are comfortable with. In fact, there may not even be a good reason for sticking with a particular firm other than being used to it. Regularly we see examples of companies starting an aggressive campaign. This usually follows a significant change in the way they do or think about business. It is possible that the new approach may come with serious job, cost and service cuts. Recently this has been the way for many companies due to the availability of the internet in providing services and quotes. Some companies used the technology better than others and let the customers complete most of the forms online. It is only fair to offer cheaper rates to customers as a result of these cost savings. That is why many companies can offer cheap car insurance quotes to online applicants. Probably most people may not realize, but motorists remain with an insurer a few years after they sign up. Many smart companies look at the returns from a new policyholder within this period. So it would be alright to offer a lower rate to attract the business even it means that they lose money for the first year. They will make it up pretty... read more
Think that your every health care need is covered by your insurance plan? It may not be so. Taking the time to read all the material associated with your health care package may keep you from being surprised later. Here are the top 10 treatments that your health insurance plan may not cover: Maternity expenses. Pre-natal and delivery expenses may not be covered in all plans. If you are planning on having a child, be sure to check your current health care plan to find out what it will pay for. If your company offers several choices for health care, you may need to switch to a plan that covers these expenses. Eye doctors. Routine visits for an eye exam, even if you go to an ophthalmologist, typically are not covered unless you have a medical condition, such as glaucoma. Low-cost vision insurance can help pay for eye exam costs, glasses and contact lenses. Surgery to improve eyesight is generally not covered by health care insurance. Treatment for drug addiction or alcoholism. If treatment is included in your plan, what is covered can vary greatly. Some plans will cover in-patient treatment but not out-patient programs. Nursing home or home health care. With shorter hospital stays a goal in saving health care costs, even patients too young to retire may require a stay in a long-term facility or home health care. Find out what your plan will cover and for how long. Cosmetic surgery. You most likely are on your own if a facelift or liposuction is in order. Treatment for weight loss. Prescription medication, surgery, dietitians and exercise trainers... read more
Healthcare Reimbursement Accounts (HRAs) can be a great way to pay for medical expenses not covered by your health care plan. The pre-tax deduction taken out of your paycheck can also help reduce your tax burden. Participants in HRAs determine how much their out-of-pocket medical expenses will be for the coming year, and then the employer deducts an amount from their pay before taxes. For example, if you believe your expenses will be $1,200 over the calendar year, and you are paid twice monthly, your employer will deduct an addition $50 from your pay every pay period. One of the benefits of an HRA is that large health care co-payments or deductibles may be withdrawn from your pay over time. In other words, if you your have a $1,000 co-payment for a hospital stay in February, some HRAs will reimburse you immediately, even though your monthly HRA deduction is only $100 per month for the calendar year. HRAs differ in their reimbursement policies, so check with your benefits administrator to learn more about yours. The keys to making an HRA work for you is understanding what your particular health care plan covers and accurately predicting how much you will need to have deducted from your pay to cover out-of-pocket medical expenses during the upcoming calendar year. The Internal Revenue Service code states that any unused HRA funds are forfeited, so accurate planning is vital. Here are some tips about how to estimate your future medical costs: Look at last year’s medical expenditures to determine the ones that are likely to repeated, like prescription drug co-payments or annual visits to... read more
Flexible spending accounts (FSA), or, cafeteria plans, offer employees a menu of services they pay on a pre-tax basis. Authorized under Section 125 of the Internal Revenue Code, cafeteria plans allow employees to set aside money throughout the year to use toward medical or dependent care expenses not covered by health insurance benefits, including co-payments and deductibles. By setting aside money during the year for medical or dependent care services before taxes, employees are able to reduce their taxable income, which increases their take-home pay. Taxes are not paid on claims paid to employee from the account either. When you sign up for a flexible spending account, it is important to know that the money deducted from your pay throughout the year must be used or they will lose it. Therefore, deducting too little is better than too much. A cafeteria plan is not a savings account – the funds do not build up year after year. The federal government allows two types of spending accounts. One is for medical reimbursement and the other is for dependent care spending, whether it’s for child care or care for an elderly family member. The IRS does not set limits on the amount of medical and dental expenses that can be reimbursed by a spending account, buy your plan may establish annual maximums. Be sure to check to find out what yours are. When filing income taxes, you must complete the IRS Form 2441 if you participate in a dependent-care spending account. Dependent-care contributions are reported in Box 10 of the W-2 forms. Sometimes your flexible spending account administrator will provide a... read more
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MedicareHelp.org is a privately-owned Non-governmental agency. The government website can be found at HealthCare.gov.
Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment depends on the plan’s contract renewal.
Every year, Medicare evaluates plans based on a 5-star rating system.
