County Commission About to Drop PEIA?

February 4, 2010
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Keeping it real but still optimistic, Upshur County Commission is planning to save some money, and probably a few jobs, by getting rid of the Public Employees Insurance Agency. Last Wednesday night, County Administrator William Parker informed the employees about the possibility of moving to a private healthcare plan that would offer the same benefits as PEIA, but with a potentially lower cost.

How are they planning to begin the cost-cutting process? Well, they have not yet come up with final figures but Parker said that most of the savings would come through OPEB.

“We’re trying to control the costs of premiums, as well as the Other Post Employment Benefits side of…

Prepare for 2010 Winter Olympics, Buy Visitors Medical Insurance

February 4, 2010
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There are definitely a big number of foreigners who visit North-American nations like USA and Canada every year. What more this year when the Olympic Games will be held in Canada? This big event will surely drive groups of international spectators and sports enthusiasts from around the globe.

If you and your family are one of these sports fanatics, are you prepared to take the trip? Have you secured the entire family with the right health insurance plan? Take note that your native health insurance plans or policies are not acceptable in international destinations. So if you want to make sure you get the proper coverage, purchase Visitors Medical Insurance.

If you…

Cigna Snatches Outstanding Customer Service Experience Certificate

February 4, 2010
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For a fourth consecutive year, CIGNA HealthCare has earned the call center operation customer satisfaction excellence which is issued by the J.D. Power and Associates Call Center Certification Program. The Call Center Certification Program distinction recognizes the strong dedication by CIGNA HealthCare’s call center operation to provide “An Outstanding Customer Service Experience.”

Mark Miller, the Senior Director of certifications and solutions at J.D. Power and Associates, said that in achieving certification for a fourth consecutive year, CIGNA HealthCare has demonstrated its commitment to deliver high-quality service to customers contacting its call centers. Customers contacting CIGNA’s call centers are specifically delighted with the courteousness shown by the customer service representatives.

To get a…

The Need for Critical Illness Insurance

February 4, 2010
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Are you aware of your family’s medical history? You should be. If someone had a critical illness in your family, it would be a very wise move for you to get critical illness insurance. A regular medical or health insurance may not cover your expenses coming from a serious ailment and so if you don’t have this type of plan, even a few tests or treatments will ransack your savings.

Based on surveys, the number of people seeking for critical illness insurance is increasing as critical illness rates have raised. For instance, according to the Multiple Sclerosis Society 2002, there are approximately 85,000 people suffering from this critical illness in the…

Additional Protection: Buy Individual Dental Insurance

February 4, 2010
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First impression sometimes last. Unfortunately for a few people, it’s only their physical looks that are being judged since there’s no enough time for conversation. That being said, we suggest you always keep a good hygiene and that includes maintaining a good oral health. If you are kind of having problems with your budget, getting individual dental insurance is the best way to go. If you think that’s expensive, consider all the possible dental treatments you need, that for sure will cost you more.

Individual dental insurance is extremely important for those individuals who are self employed and are therefore not covered under group insurance policies. There are different types of…

St. John the Baptist Parish Council to Re-examine Insurance Contract Votes

February 4, 2010
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John Millet, a LaPlace insurance agent, is requesting the St. John the Baptist Parish Council to re-examine his complaint that Parish Councilman Steve Lee obscured a conflict of interest when voting to approve insurance contracts between 2003 and 2008. Millet said in his protest to acting Parish President Pat McTopy that Lee should have disclosed to the public that he was receiving commissions from Arthur J. Gallagher Risk Management Services placing policies with the Port of South Louisiana and the St. Charles Parish Council while voting on the St. John council to give parish business to the firm.

On the other hand, Lee said he has an agreement to solicit business…

Advantages of Disability Insurance

February 3, 2010
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When we talk about insurance, we usually discuss the importance of life insurance, car insurance, health and home insurance. What are the odds that one person will immediately consider getting disability insurance? A little, very little. This scenario is really disturbing, that’s why you have to grasp this fact: a long-term disability could eliminate your ability to pay for certain financial obligations, such as your mortgage, medical bills and car payments.

If you think you are not exposed to such risks, think again. According to the 1994 Statistical Abstract of the United States, 1 in 10 people will suffer a disability. Furthermore, a 2000 New York Times article reported that 1…

What is Group of One Health Insurance?

February 3, 2010
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If you are having a hard time getting health insurance because you are self-employed with a pre-existing condition, the program group of one might help you. The idea of “group of one” health insurance is that a person cannot be denied coverage because of a pre-existing condition under a group policy.

For example, a person with a heart condition who works for Google cannot be denied coverage under their plan. In states that allow it, you can actually purchase group plans for your self-employed business and then join your own group.

As of now, only 12 states operate it - Colorado, Connecticut, Delaware, Hawaii, Maine, Massachusetts, Michigan, Mississippi, New Hampshire, North Carolina,…

Mandate to Buy Health Insurance, Not Constitutional?

February 2, 2010
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Let’s go straight to the point – the Democrat’s health care plan is focused on requiring citizens to purchase health insurance. Sen. Patty Murray, a Democrat who has been working to pass the reform said, “We have done it before”. This statement is in reference to the Social Security which is federal and is mandatory insurance. But when it came to the Supreme Court in 1937, Social Security was approved as a tax and a spending program. Yes, a single-payer plan might be approved that way. However, this current plan is mandatory private insurance.

Now, the problem with this mandate is that it goes beyond the powers of Congress. The Constitution…

Important Insurance Plans You Must Get

February 2, 2010
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With all the various insurance types out there, many people become so confused that they end up getting the wrong insurance policies. I’m telling you now that you don’t want to be in that situation too. So in this article, we’ll discuss some important insurance plans that people often ignore.

Though not as ordinary as the car insurance, pet insurance is a must to all pet owners. The pet insurance provides veterinary coverage for the pets which can help you financially to protect your pet when they become sick, need basic medical checkups or some kind of medical attention. If you don’t have enough budget for the insurance of your pet…