Why Does Health Insurance Cost So Much?
Why does health insurance cost so much? Year after year, many of the articles that appear in print detail the specific factors driving the cost of healthcare.These factors include: general inflation, advances in drugs and other medical devices, rising hospital and doctor expenses, government mandates, increased consumer demand, litigation, fraud, and cost shifting.The basic answer is that a magic bullet to solve the cost of insurance does not exist because the real difficulty is controlling the cost of healthcare. A simple way to dramatically decrease the dollars spent on healthcare is to reduce the demand for healthcare.I have seen estimates that up to 40% of all healthcare related expenses result from preventable conditions. These preventable conditions are caused by lifestyle choices such as tobacco, obesity, stress, lack of exercise and poor diet.Most of us, myself included, make lifestyle choices everyday that eventually increase our demand for healthcare. We are never going to be able to totally eliminate all lifestyle related healthcare costs. However, improved lifestyle choices would cause a dramatic reduction in demand.
This would then result in a similar reduction in the dollars spent on healthcare.Lower demand for healthcare would result in lower health insurance costs, increased productivity, and reduced absenteeism. If your organization has not done so already, your organizational leaders need to seriously consider the benefits of health promotion and disease prevention programs. Your return on investment will most likely be as high as 2:1 in the first year..
Michael Ertel is the founder of http://www.MedicalInsuranceNow.com which is a website that assists individuals and small business owners by providing side by side comparisons of health insurance alternatives.Purchasing coffee products and the insurance question
On how many accessions have you visited an a coffee warehouse or food and drink merchant so you could obtain a product such as a italian coffee machine or italian coffee grinder only to be asked by the salesperson "would you like insurance with your merchandise"? this is a question that most people acquiring coffee products either can't bear or have grown used to, some folk would possibly be puzzled if the employee working in a food and drink business or coffee warehouse didn't ask them this as they obtained their goods.
Before I launched my own modest coffee store I recall visiting a food and drink store and purchasing a office coffee blender and a large amount of coffee merchandise and extra's, I made my way to the checkout counter to give them the money for my food and drink products and was indeed asked if I required some extra cover. Now as it turned out I turned down the assistants offer and just a few weeks later my precious coffee purchases were robbed...
Insurance > Purchasing coffee products and the insurance question
InsureMe Announces 2005 Results Insurance Shopping Service Continues Five-Year Growth Trend
Denver, CO (ContentDesk) January 31, 2006 -- InsureMe, a company that helps insurance professionals find consumers who are shopping for insurance, today announced its 2005 fiscal results and plans for new developments during 2006.
The company revenues, a traditional indicator of growth, continued to escalate during 2005. InsureMe reported revenues of over $15 million for the year, representing a 30% increase over 2004. In addition, the company maintained its profit history; InsureMe has been profitable every year since its inception in 1993.Fueling the revenue growth was a significant increase in the number of consumer quote requests. During 2005, InsureMe received over 1 million of these completed lead applications, up 200% from 2001.
On average, InsureMe matched these applicants with 2.7 agents during 2005, a 25% increase from 2004.????
To handle the increased activity, InsureMe expanded its staff by 33% over the previous year, growing from 40 employees to...
Insurance > InsureMe Announces 2005 Results Insurance Shopping Service Continues Five-Year Growth Trend
How Your Swimming Pool Could Get You Sued
Installing a backyard swimming pool can make those hot summers a lot more fun and relaxing, but could it get you into a lot of financial trouble too?
The short answer is: yes.
If you're not properly insured, and someone gets hurt in your pool, you are inviting law suits.
I know what you're thinking: my friends and family are the only ones who use my pool... they're not going to sue me if anything happens.
Guess again.
It's not necessarily that people love to sue or even want to.
They may have to.
With the high costs of medical expenses today, a family that suffers a serious injury (or--god forbid--a death) probably can't afford not to sue.
And if a person was injured at your pool in your backyard, guess who's technically at fault?
If someone gets hurt, don't be surprised by a lawsuit: expect it.
And don't think you can watch the pool every moment to make sure nothing...
Insurance > How Your Swimming Pool Could Get You Sued
Innovation In Online Jobs Search. Niche Publishers Leading the way
(ContentDesk) March 25, 2006 -- Niche jobs board InsuranceJobsBoard.com the Jobs Portal dedicated to the Insurance and Financial Services sector today announced the launch of its industry specific job search tool bar. This new innovation allows jobs seekers direct access to the site from anywhere in the web and links straight into the search functionality enabling direct and proactive search of the 1000s of vacancies currently advertised.Additionally the toolbar functionality features access to job seeker resources such as google search, live industry news, google & yahoo finance, rss feeds and industry blogs. It's an entirely free download, with no spyware or viruses, does not open pop-ups or hijack
searches, and no personal information is required for installation. User trials conducted via jobseekers and advertisers registered with the site have found it to be a superb tool to assist in their job seeking activities and account management.Commenting on the launch of this new...
Insurance > Innovation In Online Jobs Search. Niche Publishers Leading the way
Purchasing coffee products and the insurance question
On how many accessions have you visited an a coffee warehouse or food and drink merchant so you could obtain a product such as a italian coffee machine or italian coffee grinder only to be asked by the salesperson "would you like insurance with your merchandise"? this is a question that most people acquiring coffee products either can't bear or have grown used to, some folk would possibly be puzzled if the employee working in a food and drink business or coffee warehouse didn't ask them this as they obtained their goods.
Before I launched my own modest coffee store I recall visiting a food and drink store and purchasing a office coffee blender and a large amount of coffee merchandise and extra's, I made my way to the checkout counter to give them the money for my food and drink products and was indeed asked if I required some extra cover. Now as it turned out I turned down the assistants offer and just a few weeks later my precious coffee purchases were robbed...
Insurance > Purchasing coffee products and the insurance question
A Moving Experience
I've found a cool apartment! Okay, okay?so it's not perfect. Just a few bugs. I mean literally! First expense? An exterminator! Is it worth the cash? Well, I can't afford a more expensive place, so a one-time (please!) cash outlay should be okay. Maybe just a can of "Raid?"I need a way to move my stuff. Daddy, can I borrow your truck? You don't have one? Why not? Do you want one? I'll help you pick it out! Well, it was just a suggestion.
No need to get all bent out of shape! I guess I'd better call the truck rental places. What do you mean?$200?PLUS mileage? AND Gas? Good grief!While I'm on the phone I'll call the utility and phone companies. Yes, I know I haven't used your services before. No, I don't have a credit card; this is my first place. You want what? A $100 deposit? For EACH? Holy cow?do you people have a license to steal? Daddy, I need $500 for moving expenses! I used all my money for the first and last months rent AND the damage deposit.
Well, how was I to know...
A Moving Experience
Insurance > A Moving Experience
What is Permanent Life Insurance?
Unlike term life insurance, permanent insurance policies such as universal life, variable universal life and whole life provide long-term financial protection. This type of insurance will cover you for the duration of your life and continued on time premium payments. Permanent policies provide you with not only a death benefit but in some situations a cash savings. It is because of these extra perks that permanent life insurance tends to be more expensive than term life.Some features of permanent life insurance also include level premiums so you want to purchase this type of insurance while you are considerably young and in good health. This will help decrease the cost of your premiums.
Permanent policies can also produce dividends. You earn dividends when your premiums turn out to be higher than your actual life insurance costs. If this is the case your insurance company may opt to pay you the difference in the form of a dividend. Because it is difficult in predicting your actual...
What is Permanent Life Insurance?
Insurance > What is Permanent Life Insurance?
Save money on life insurance
In some states and provinces, people are choosing to live without insurance because the cost of insurance on an ongoing basis is prohibitive, compared to the chance of dealing with high costs when there is a break-in or an accident.
Here are some ways to save money on your life insurance:
? Buy the smallest amount of permanent insurance you possibly can and create staggered term insurance for the rest of it.
? Shop around to find the lowest price.
? Get guaranteed renewable term insurance which is more expensive upfront but as you get older, the insurance company must renew your policy regardless of your health. If you remain healthy for the rest of your life, as you hope you would, this may not pay for itself. But if you do get sick this will be a valuable feature to having your insurance.
? Stop smoking. Insurance companies offer great premiums to people who have not smoke within 12 months.
Here are some ways to save money on...
Insurance > Save money on life insurance
Insurance
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