fsinsurance.us

  he trending   topic  in social media and news reports right now is the growing number of   uninsured  people in America, and because they get   emergency  care anyway, they're not that bad off. Well, stop the   presses . I have yet to see an   article  that discusses the   discrepancy  of care between the insured and   uninsured .   The  fact  is, if you don't have insurance, the hospital can't turn you away for emergency care, but that care doesn't have to be as complete as an  insured  person. One study found that "the  uninsured  were 59% more likely to die from  acute  MI [heart attack] and 56% more  likely  to die from stroke compared with the  privately  insured", Dr. Omar Hasan and his colleagues reported(1)   Think about this: You show up with a  massive  headache, the ER does tests and find a massive  brain  tumor. If you h...

  The news   might  not be all bad for those of us who choose not to buy health   insurance , beginning in 2014. It seems like the   penalty  will be far less expensive than buying insurance   coverage , especially if you are self-employed. In a   Wall Street Journal   article   published  March 28, 2013 and entitled   Restaurant Chains Cut Estimates for Health-Law Costs, written by Scott Thurm, he writes that many of the   national  fast food chains are reducing their cost   estimates  for employee coverage in   connection  with ObamaCare, some as much as 80% for the calendar year of 2014. Now that seems   encouraging !   The chains are  estimating  that many employees will either choose to pay the $95 annual  penalty  (the financial penalty per person for 2014) instead of  buying  insurance that could cost hundreds of dollars per year or they are  figu...

  Santa Claus knew this day was coming, and he put it off as   long  as possible, but as the CEO and Chairman of Santa Claus Inc., he had no   choice  but to file   bankruptcy  in November of 2009. You see, the   commercial  credit markets were   tight , and he just couldn't make   payroll , nor could he borrow the money until the Christmas season was over when the money would flow in again. Over the last few years health insurance and worker's   compensation  costs have   skyrocketed .   The elves just haven't been happy, although Santa Claus has done everything he could to provide excellent health care for all of his  employees , and even pet insurance for the  reindeer . Geico stepped in to give them a discount  thankfully  otherwise they would have been out of business last Christmas. Things have been tough at the North Pole because they were  expecting  global warming which neve...

  There are four   basic  types of health insurance from an   operational  standpoint, but with the advent of   healthcare  reform, their   prevalence , popularity, and fates differ. In   considering  the types of health insurance it is important to not   confuse  insurance type with the metal level used for   designating  the actuarial value of Obamacare insurance   plans . The type of insurance has more to do with the rules and   regulations   as stated in the policies and contracts with   providers . Those regulations govern how and when the   benefits  can be accessed or   utilized  by the enrollees (plan members), the   conditions  and circumstances under which claims will be paid, how much   healthcare  providers will be paid, and how much the providers can bill the   plan  members.   The four major types of health insurance plans can be ...

  En esta época de costos y expansión, encontrar el plan de cobertura sanitaria adecuado puede significar la diferencia entre el bienestar real y la ruina monetaria. Sin embargo, con First Service Seguros por ahí profesando como agencia de seguros tener las estrategias más inteligentes a los mejores costos, ¿cómo se puede averiguar todas las promociones y encontrar la cobertura que desea obtener -y mantener-?   Todos necesitamos un seguro de bienestar y usted conoce sus necesidades mejor que nadie. Así que cuando los representantes de ventas de seguros empiecen a perseguirle, a inundarle de llamadas y a llenar su buzón de folletos promocionales, no ceda y adquiera el principal contrato de cobertura sanitaria que le anuncien. Haga su trabajo con tiempo para estar bien informado y preparado para elegir el plan de cobertura sanitaria que más le convenga.     Para averiguar todas las contribuciones y encontrar algo con lo que pueda vivir, piense detenidamente en...