Thursday, January 27, 2011

What will Health Insurance Plan Reform do for you right now?



For many Americans, the health insurance plan reform can be a hard pill to swallow, simply because they are being asked to pay for their coverage through various taxes and mandates. Supporters of this legislation bill believe that it could be termed as a good investment plan and also help in reducing monthly premiums in the long run and the uninsured population. Stringent regulations on insurance companies will take effect as soon the President signs a bill into law. As a result, the market for individual health insurance will become friendlier to consumers. For those who are unknowingly underinsured, these regulations include a ban on lifetime or annual limits on coverage. Treatments for serious diseases have proven to be expensive for middle and lower income individuals, forcing some to bankruptcy. The government has decided to enforce this ban six months after the healthcare reform bill passes, bringing peace of mind to the uninsured and underinsured.


Meanwhile, those with pre-existing health problems who have no access to buying a health insurance plan and for young adults who can’t afford an individual health insurance plan and/or lack full-time employment with insurance benefits will be able to get coverage much more easily. The health reform bill has been a ray of light for many, as such a regulation will either lower health insurance plan premiums or increase the quality of care in the individual health insurance market. For those who are looking for the complete package which is affordable and meets their healthcare needs, Allied Brokers can offer you good coverage and much more. This full service insurance brokerage represents the leading insurance companies of the country, the range of insurance products it offers and its dedication to quality customer service. For information on the specifics of health insurance, visit http://www.alliedbrokers.com/ or call (650) 328-1000 for a one-on-one consult. Maximize coverage and minimum expenditure is what Allied Brokers stands for and represents.


Tuesday, January 25, 2011

What Impacts Your Auto Insurance Quotes

Most people think that it is the value of a car that determines the cost of car insurance. While it is true that the cost of the car does have a major influence of auto insurance rates, there are many other factors which also have a significant impact. These include:
  • The Type Of Car. A low cost but high performance car may cost more to insure than an expensive but safer sedan.
  • What Kind Of Coverage? Simple auto liability insurance, that covers only injury and damage to other people and property, is the cheapest. Adding additional coverage gives you more protection. But it will also cost more.
  • Spending a little more to equip your car with security features like alarms, tracking systems and immobilizers will reduce the chance of theft and increase the possibilities of recovery if it is stolen. Installing these features will result in a reduction of your car insurance rates.
  • Location has a major impact on your car insurance costs. If you live in an area that is known to have a lot of accidents or where the incidence of car theft is high, you will pay more for your insurance.
  • Your driving record will also influence your premium. A person with a large number of speeding ticket or DUIs in his record will pay a higher premium than one who has a clean record because that person is presumed to be the safer driver. 
Consult an insurance broker like Allied Brokers International to help you with your auto insurance needs. Allied Brokers is proud to offer insurance expertise developed over 50 years of service to the San Francisco Bay Area.

Allied agents can not only walk you through the various insurance options, but they can also provide you with a free quote. Don't forget to ask about liability insurance, comprehensive coverage and good driver discounts! Allied Brokers on (650) 328-1000 - http://www.alliedbrokers.com/auto_overview.html.

Monday, January 24, 2011

The significance of health insurance

In a world dominated by stress and an expensive medical environment, health insurance plays a significant role in every family unit. We all worry about investing in our homes, cars, and our children’s education, but do we stop and think about our family’s health and well-being? Every family is unique from the other and has a different type of health issue that needs to be addressed.  There are a few things to be considered before selecting a health insurance plan, since there are group and individual coverages. You can make a note of how many family members need insurance; for instance, you can select a plan for children which will provide coverage only when necessary.  Procuring a plan that is right for your family’s needs is imperative. The financial implications of a serious illness or injury can be catastrophic if there is no proper coverage to bail you out of expensive hospital bills and consultations. Prioritize and plan to get the coverage you need. If you still need help in deciding what best fits your health needs and budget, consult with Allied Brokers.

With 50 years of experience in insurance and a reputation for quality client service, this insurance brokerage will begin by understanding your health insurance needs, presenting you with the various options in a clear and concise manner and helping you to choose what is best for you. Comparing health insurance plans can be difficult and confusing, especially when there are no standard coverage plans. Allied brokers has partnered with Blue Cross and Blue Shield to provide you the best comprehensive coverage for individuals and families, as well as Medicare supplemental insurance for seniors.  You can compare different plans and get affordable insurance quotes by calling 650-328-1000. Visit their corporate website http://www.alliedbrokers.com/ for more information on other services or to request a quote online.

Friday, January 21, 2011

Individual Health Insurance – Questions To Ask Before Taking A Policy


Group health insurance is usually the cheapest option, but often a group plan may not be available to not suitable for your needs. If you are not eligible for a group plan or find that what is there is not right for you, the option is to take individual health insurance. This is something you buy for yourself and is not tied to the workplace. And although it is called individual health insurance, it can also cover your family. Health insurance can be expensive so it essential that you get the right type of coverage – one that give you the protection you need but does not cause you to pay more than you can afford.
Questions to ask yourself

Use your answers to the following questions to help you define the type of individual health insurance you need.

1. What are your family’s health care needs? Do people in the family have serious allergy problems; are they asthmatic; is here a family history of diabetes or other diseases? If the answer is yes, your health care needs will be frequent. If so, make sure you have adequate coverage.
2. Do you want to keep visiting only your doctor? If you are not happy with being tied to an HMO, take an insurance policy that will allow you to continue going to your doctor.
3. Low monthly premiums or out-of-pocket expenses coverage? If you want routine doctor visits and lab tests covered, your premium will be higher than if you bear these expenses yourself. A good thumb rule to follow is the larger the family, the more routine medical expenses and so having the health insurance plan cover these is a good idea.
4. Are Prescriptions and X-rays covered? Check to see if your current and anticipated medicine needs are covered. X-rays and scans are becoming a common component in many treatments so make sure that your coverage is adequate.
5. What will emergency care cost? Look at how a policy defines “emergency care” or the equivalent terms and see if the coverage is what you need.
6. What if you have a preferred specialist? Many plans limit the specialists you can consult. If you have specialist that you are comfortable with and don’t want to change. Make sure that to plan covers this.
7. What about mental health? Most policies usually have limitations on mental health coverage. Make sure you are okay with them.
8. Do you prefer nontraditional medical treatment? If you find naturopathy, acupuncture and other nontraditional forms of medicine best for you, make sure that your insurance plan covers these forms of treatment.

The best way to find the right individual health insurance plan is to contact Allied Brokers. Their reputation for client service is built on the way they explain all the implications of different plans, highlight the pros and cons and help their clients find the right ones. And with 50 years of experience behind them and representing the leading insurance companies in the country, the insurance products they have to offer are the best. Visit the website at http://www.alliedbrokers.com/ to find out more about how they can meet your insurance needs and to get a free health insurance rate quote. Or just phone (650) 328-1000 or email abcosales@alliedbrokers.com.

Thursday, January 20, 2011

Health Insurance: Understanding What It Covers


How much deductible are you paying? Does your health insurance cover you when you are abroad? What is in-network and out-of-network coverage? Does your health plan include dental coverage? Do you know who is your non-Specialist (Primary Care Physician)?

You need to be very clear about the nitty – gritty about your health insurance cover to avoid finding yourself in any vulnerable position, especially when you are travelling abroad. Finding yourself with a health problem in a foreign country without coverage can be scary and traumatic.
Screenings for pre – conditions

That said, before taking health insurance it is important to be very clear about the various terms and conditions offered by the health insurer in question and most importantly about your needs. Probe your family medical history if there is high incidence of any illness in your family such as diabetes, heart disease, breast cancer etc. Check if the preventive services offered by the insurer provides screenings for your hereditary risks. Additionally, find out what are all the preventive services offered by the insurer. For instance, Medicare offers preventive services for Bone Mass Measurement, Cardiovascular and Colon Cancer Screenings, Diabetes screening etc. Don’t forget to check for deductibles if any.

 
Does your health coverage travel with you?

If you travel overseas frequently, you need to make sure if your insurer will cover you for your medical expenses abroad otherwise you may need to take supplemental insurance. It is also important that you find out if your insurer will make payment directly to the healthcare providers or will reimburse you later for overseas healthcare expenditures.

Seeking the advice of an experienced health insurance broker would save you from a lot of hassles and the broker will explain everything to you in detail.

But it is very important that you read the terms and conditions on your own too. Don’t just depend on a third party to explain the needful to you. This will preclude any unpleasant misunderstandings about the extent of the coverage in the future.

For a detailed understanding of the nuances of a health cover visit

Tuesday, January 18, 2011

Health Insurance Now or Later

Are you undecided about health insurance? Is too much information, advice and views from all around exacerbating your indecision? Well, you had better make up your mind fast because all this procrastination could hurt you? When it comes to health insurance, you just can’t afford to be indecisive. Countless families who are facing financial ruin because of high healthcare bills will vouch for this fact.

The best time to get health coverage is when you are in good health. If you are eligible for health coverage, then go for it now.

Always remember that newly-diagnosed medical conditions can increase the cost of health coverage.

If you delay, and suddenly find yourself with a serious health problem like cancer or arthritis, you are not going to get a health insurance easily or can be denied coverage. Don’t be complacent just because you are young and healthy because illnesses don’t come with a forewarning.
There’s one more thing.

The longer you have uninterrupted health coverage, you become eligible for many accumulated benefits such as those given for every claim free year.

The insurance benefits that you receive from your employer may not give you enough coverage so you also need to explore options for personal health coverage that will give you that extra cover you need.

You can shop around the net for the most appropriate cover. There are unlimited options in cyberspace but it would benefit you hugely to seek the advice of a seasoned health insurance expert.

Consider contacting a health insurance expert from Allied Brokers who will guide you on the plan that will best suit you and your family. Visit http://www.alliedbrokers.com/health.html
Or call (650) 328-1000 for a chat with their representative.

Friday, January 14, 2011

Health Insurance: How To Stay Ahead Of The Game

Health insurance is a complex subject, often far more difficult to understand than home insurance or life insurance. The rising cost of health care has caused health insurance rates to rise, but to be without insurance is to risk financial ruin if a serious sickness of injury should occur. Think about the cost of just one visit to a doctor – that is bad enough. Now consider the financial implications of a major illness. Keep the following points in mind when looking for health insurance.

  1. Shopping around to find the best healthcare insurance is essential. Even if you are employed and are part of a group insurance plan, check and see if the coverage you have is enough and if not get a policy of your own to supplement it.
  2. Comparing health insurance plans is difficult – there are no standard coverage plans. Costs and benefits are variable and you need to prioritize the health coverage that is important to you and ensure that this is what you get.
  3. Keep in mind that a low premium may not always translate into the cheapest insurance. A low premium may not have prescription coverage or check-ups and urgent care may not be covered.
  4. Low premium plans often restrict the doctors, hospitals and labs you can use. It’s worthwhile to pay a little more and have a wider selection, such a paying your family doctor’s bill or going to a hospital that you know and trust.
  5. Often spouses are both covered by employer provided health care plans. It is a good idea to examine the coverage each offers and the cost / contribution to be made and focus on the best option with supplementary insurance to cover any missing areas.
  6. Also when looking for a healthcare plan, consider your need for additional coverage like dental care or mental health coverage.

These are just a few points to consider. There is much more about health insurance and the layman can easily get confused when balancing the pro and cons of different policies. It’s always better to consult a professional insurance broker like Allied Brokers. With 50 years of experience in insurance and a reputation for client service, their reps will begin by understanding your health insurance needs, presenting you with the various options in a clear manner and helping you to choose what is best for you. Visit the Allied Brokers website at http://www.alliedbrokers.com/ or call them on (650) 328-1000 to learn more. You can also request for a free health insurance quote online.

Thursday, January 13, 2011

Are You Covered Against Holiday Mishaps?

One holiday season is over but there’s a long year ahead with many more holidays to come. Maybe it’s because we are relaxed and let our guard down, but holidays seem to be a time when the frequency of accidents and mishaps increases. And something unfortunate happening on or near the holidays can not only ruin the festivities, it can have serious long term implications. This does not mean that you should lock yourself in a room on holidays – if you do that, what’s the point of the holiday? But taking a few sensible precautions can give you the peace of mind to really relax and make the most of the occasion.

A few precautions you can take

  • Check to see if your homeowner’s insurance coves decorations stolen from your front yard. Decorations can be expensive and there are always creatures of the night ready to make off with them. You can’t stand guard all night long, but if the worst happens, at least you are covered financially.
  • Holidays are a time for shopping and when crooks are on the lookout for cars full of shopping. Your home insurance coverage should cover you from any loss, but check it up. And if a break-in should occur, does your auto insurance cover the cost of repairs?
  • Christmas candles and 4th of July fireworks are major causes of fires. In the best case scenario, there may be some damage to the interiors of your home and to some furnishings. In the worst case, a home can be seriously damaged or even destroyed. While home insurance will cover the cost of repairs and replacement, it is wise to check to see if your policy is up to date and covers any new expensive articles you may have installed recently.
  • Holidays are party times but what happens if a guest in your home has an accident and gets injured? Make sure that your home insurance coverage is enough to protect you from liability claims.
  • Holidays are a time when DUIs increase. Make sure that your auto insurance covers you from expenses resulting from accidents caused by under insured or uninsured drivers.
 If you are uncertain of the insurance coverage you have or want to increase it or perhaps take out a new policy, all you need to do is call Allied Brokers at (650) 328-1000, email abcosales@alliedbrokers.com or ask for a free online rate quote.