Washington Basic Health which is a state-sponsored program to help eligible Washington residents pay for health care using income from state subsidies, is feeling the wrath of the troubled economy.
Back in February 2009, Basic Health took the necessary steps to decrease enrollment by only enrolling one new applicant for every 2 applicants that left the plan. The decline in the economy has prompted Basic Health to reduce overall enrollment by 43% for the '09-'11 budget. In '07-'09 Basic Health covered about 107,000 residents and by January 1st of 2010 the enrollment must be within the new budget.
This has created a lengthy waiting list for the plan, but there are numerous groups that are allowed to bypass the waiting list because of their need. Some examples of these groups are Foster parents, personal care workers, and Tribal sponsored accounts. Plans such iCan benefits also provides access to valuable benefits to improve the health of their members.
Monday, November 23, 2009
Monday, November 16, 2009
Ohio DOI Bringing Value to the Buckeye State
The Ohio Department of Insurance offers many valuable services for the residents of Ohio. The Ohio DOI has the important function of licensing insurance agents and brokers to ensure practices are consistent. They provide the exams and monitor the important continuing education since insurance laws are constantly changing.
The Ohio DOI has a unique online system the enables quick and simplified testing, fingerprinting, background checks and licensing distribution. Agents can also keep track of their mandatory credits needed in education.
Another very important function of the Ohio DOI is making information easily available to consumers. They offer an online toolkit specifically designed for those who are looking for health insurance or life insurance because of job loss or loss of benefits. There are numerous programs available to these consumers to help ease the financial burden associated with such events. The Ohio DOI brings much value, and it's important to ensure you are educated on their responsibilities.
The Ohio DOI has a unique online system the enables quick and simplified testing, fingerprinting, background checks and licensing distribution. Agents can also keep track of their mandatory credits needed in education.
Another very important function of the Ohio DOI is making information easily available to consumers. They offer an online toolkit specifically designed for those who are looking for health insurance or life insurance because of job loss or loss of benefits. There are numerous programs available to these consumers to help ease the financial burden associated with such events. The Ohio DOI brings much value, and it's important to ensure you are educated on their responsibilities.
Monday, November 9, 2009
State Farm Car Insurance Quotes Affected By Deer Accidents
According to the article "Deer-vehicle collisions rise in Pennsylvania" by Bob Frye on Pittsburghlive.com, Pennsylvania has always been a state with a high rate of deer accidents. According to State Farm Insurance, West Virginia and Michigan are the only two other states with a higher rate of accidents with deer. They rated a driver's chance of hitting deer 97 to 1 in PA.
The average property-damage cost of a deer accident across the country is up 2.5% from a year ago according to State Farm. The Insurance Institute for Highway Safety says there are about 1.5 million deer accidents a year in the US. They cause about 150 deaths, and $1.1 billion in property damages.
Driving history affects your State Farm car insurance quotes so it's important to ensure you are not doing anything to distract you from keeping your eyes on the road. Texting, eating, and talking on the phone while driving are all dangerous distractions that may cause an accident with a deer. But sometimes they jump right in front of you and there isn't much you can do.
The average property-damage cost of a deer accident across the country is up 2.5% from a year ago according to State Farm. The Insurance Institute for Highway Safety says there are about 1.5 million deer accidents a year in the US. They cause about 150 deaths, and $1.1 billion in property damages.
Driving history affects your State Farm car insurance quotes so it's important to ensure you are not doing anything to distract you from keeping your eyes on the road. Texting, eating, and talking on the phone while driving are all dangerous distractions that may cause an accident with a deer. But sometimes they jump right in front of you and there isn't much you can do.
Monday, November 2, 2009
Healthy Indiana Plan Useful Information
Affordable health insurance in this day and age can be extremely challenging for some, especially if your employer does not offer a plan and you are in the poor population. If you live in Indiana though there is a great opportunity for you. It's called the Healthy Indiana Plan and it's available to lower income Indiana residents.
The state approved this plan back in January of 2008 by the Federal government through a waiver to reallocate Medicaid funds. To qualify for the plan, individuals must have been uninsured for more than 6 months, be ineligible for Medicare or Medicaid and be between the ages of 19-64. You must also be a US Citizen.
The plan has excellent coverage and will meet most applicants' needs. Some benefits include prescription coverage, physician services, hospital visits, home health care, hospice, family planning, disease management, mental health services and substance abuse help. Currently, dental, vision, and maternity care is not offered. Based on your income, there may be a monthly premium, but it ends up being only about 2-5% of one's income. See if the Healthy Indiana Plan is right for you.
The state approved this plan back in January of 2008 by the Federal government through a waiver to reallocate Medicaid funds. To qualify for the plan, individuals must have been uninsured for more than 6 months, be ineligible for Medicare or Medicaid and be between the ages of 19-64. You must also be a US Citizen.
The plan has excellent coverage and will meet most applicants' needs. Some benefits include prescription coverage, physician services, hospital visits, home health care, hospice, family planning, disease management, mental health services and substance abuse help. Currently, dental, vision, and maternity care is not offered. Based on your income, there may be a monthly premium, but it ends up being only about 2-5% of one's income. See if the Healthy Indiana Plan is right for you.
Monday, October 26, 2009
Washington Basic History
Washington Basic was created back in 1987 and started out as a pilot program to provide access to affordable health insurance for Washington residents with lower incomes. The establishment was made permanent in 1993.
Washington Basic is a state sponsored program which assists Washington residents who are eligible for the program through subsidies from the state. Everyone does participate financially. It is considered a health insurance program rather than an entitlement. They have a partnership with the private sector of health insurance and they use a market based, non regulatory approach which makes it a unique program. All of the health plans offer the same basic benefits, but the monthly rates, providers and smaller details of the plan may vary from policy to policy.
They type of coverage you will receive will depend on many factors including the size of your household, the plan you choose, your age as well as your income level. It's important to ensure you choose a plan that best suits the needs of you and your family.
Washington Basic is a state sponsored program which assists Washington residents who are eligible for the program through subsidies from the state. Everyone does participate financially. It is considered a health insurance program rather than an entitlement. They have a partnership with the private sector of health insurance and they use a market based, non regulatory approach which makes it a unique program. All of the health plans offer the same basic benefits, but the monthly rates, providers and smaller details of the plan may vary from policy to policy.
They type of coverage you will receive will depend on many factors including the size of your household, the plan you choose, your age as well as your income level. It's important to ensure you choose a plan that best suits the needs of you and your family.
Monday, October 19, 2009
Auto Insurance Being Dropped As The Economy Struggles
As unemployment increases and the state of the economy continues, more people are expected to drop their auto insurance coverage to save money. This is found in the article “More Motorists Expected To Drive Without an Auto Insurance Policy” by John Pirro on live-pr.com.
The article also states that many experts see a correlation between unemployment rates and the number of people driving without auto insurance protection. According to a study from the Insurance Research Council, about one in every six drivers will be driving without auto insurance by 2010. The more people who drive without protection, the more expensive auto insurance policies will become for the insured.
The consequences for driving uninsured are getting stricter. For example, the Pennsylvania Department of Transportation will suspend a driver’s vehicle registration if they are caught without proof of auto insurance. Many of these people driving around without insurance believe they can't afford the month to month cost of carrying protection. Unfortunately, getting caught without insurance or getting get an accident uninsured can end up costing you a lot more money.
The article also states that many experts see a correlation between unemployment rates and the number of people driving without auto insurance protection. According to a study from the Insurance Research Council, about one in every six drivers will be driving without auto insurance by 2010. The more people who drive without protection, the more expensive auto insurance policies will become for the insured.
The consequences for driving uninsured are getting stricter. For example, the Pennsylvania Department of Transportation will suspend a driver’s vehicle registration if they are caught without proof of auto insurance. Many of these people driving around without insurance believe they can't afford the month to month cost of carrying protection. Unfortunately, getting caught without insurance or getting get an accident uninsured can end up costing you a lot more money.
Monday, October 12, 2009
Florida DOI Here To Help
According to the article "Florida Department of Insurance: Business Units" on economywatch.com, the Florida Department of Insurance (DOI) is committed to residents of the state of Florida to offer high quality insurance services. They offer user friendly guides for consumers which can be found online to assist residents in finding their insurance needs.
Florida DOI maintains a thorough database of all insurance companies in the state. The database also includes company profiles for more detail. Through the Florida DOI's online resources policies can be compared online which is extremely useful if you are looking for the best deal.
Another important function of the Florida DOI is to respond to customer grievances. If you find yourself being treated unfairly by your insurance company you can file a complaint with Florida DOI and they will do their best to protect consumers from insurance fraud. They research companies to ensure there is no unlawful conduct. Efficient working of the Florida DOI not only ensures the protection of consumers, but it also allows the insurance industry to thrive. California DOI and Colorado DOI have similar responsibilities.
Florida DOI maintains a thorough database of all insurance companies in the state. The database also includes company profiles for more detail. Through the Florida DOI's online resources policies can be compared online which is extremely useful if you are looking for the best deal.
Another important function of the Florida DOI is to respond to customer grievances. If you find yourself being treated unfairly by your insurance company you can file a complaint with Florida DOI and they will do their best to protect consumers from insurance fraud. They research companies to ensure there is no unlawful conduct. Efficient working of the Florida DOI not only ensures the protection of consumers, but it also allows the insurance industry to thrive. California DOI and Colorado DOI have similar responsibilities.
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