Pointers in Handling Auto Accident Settlement!!!

Have you already been involved in a car accident? If not, then lucky you as you can still learn about how you can properly handle an auto accident settlement. Below is a list of useful tips you should keep in mind.

1. Right after a collision or whatever road accident you found yourself involved in, you should immediately call for medical assistance if anyone is injured. Also, you should remain at the scene of the accident.

2. Take note of the important details like the exact time, date, location, as well as the other driver’s auto license name and number.

3. If you have a camera with you, take pictures at the scene of the accident. If not, phone camera will do. It is always better to have proofs as to who is really at fault.

4. Contact your insurance company and be sure to get the claim number assigned to the case.

5. If there is a significant amount of money involved, make sure you contact your lawyer.

If you follow all the tips stated above, the result of the settlement will most likely be in your favor. So make sure you keep this in mind in case anything happens.

Common Complaints About Health Insurance

Finding health insurance can seem like a daunting task and at GoHealth, we try to make the process as simple as possible.

To help consumers through the process of finding coverage, GoHealth is addressing the most common complaints about searching for health insurance.

Health insurance is too complicated and overwhelming. There are many parts to health insurance – deductible, premium, copayment, coinsurance, network, benefits and the list continues. So when you’re reviewing health insurance quotes in the GoHealth Quote Engine, click on the various terms that confuse you to learn more. Also, an agent is no more than a call away or you can use our chat services to talk to an expert about your options.

Health insurance is too expensive. Unfortunately, the cost of individual health insurance is set by law and GoHealth cannot lower the price of health insurance for its consumers.

I have to pay one month of premiums up-front and am not sure when I’ll be approved for coverage. Once a consumer chooses a plan, they have to pay the first month’s premium right away, but it is refundable if they aren’t eligible for coverage or choose a different plan. The approval process depends on the health insurance company – it can take just days or an entire month.

I can’t find coverage. With changes in health care reform and existing laws, it can be hard for some individuals to find individual health insurance. This includes women who are pregnant, children who need individual policies, and individuals with pre-existing conditions.

The forms for applying for coverage are too long. No matter where you apply for health insurance, the application will be long. These are required for health insurers to determine the amount of risk a person may be to insure. If you know that you have a pre-existing condition and are likely to get turned down for health insurance, talk to an agent before applying. The agent may be able to help you find a carrier that won’t turn you down coverage based on that condition.

Health Insurance Mistakes & To Avoid them!!!

As fewer companies offer employer coverage and individuals shop for health insurance for the first time, some common mistakes are made that can result in additional costs. Before settling on a current or new plan, consider the following:

1. Picking the plan with the highest deductible, lowest monthly costs. Plans with a large deductible always seem like an attractive option due to the low monthly premiums. However, if someone cannot meet the deductible in case of an emergency or illness then they will be stuck with a large bill. When choosing a plan, ask yourself if you would be able to cover the deductible immediately in case of an emergency – if you can’t cover it then consider a lower deductible.

2. Not purchasing maternity coverage when pregnancy is a possibility. Maternity coverage isn’t covered in every health insurance plan. If couples are considering pregnancy in the near future or could possibly get pregnant, then maternity coverage is a must.

3. Choosing a plan with high copayments, co-insurance rates for health care services and prescriptions. Almost every health insurance plan requires a copayment at the time of a health care visit so find a plan with an affordable copayment. Copayments vary for physician visits, prescriptions and hospital services but there is always a set amount of payment that is required. Co-insurance rates get really expensive for surgeries and hospital visits since you are required to pay a percentage of the rendered services and the rate varies.

4. Sticking with COBRA coverage when individual health insurance is more affordable. Many people who are unemployed know that COBRA coverage is extremely expensive. Instead of keeping COBRA, consumers should compare individual and family plans to see if they can find something more affordable. Individuals can get more customized coverage which gets rid of any unnecessary benefits.

5. Picking a health insurance plan without ensuring your doctor is included in the network. Many individuals may not realize that their doctor is no-longer covered under a new plan before switching. But if you have a family doctor or a preference then either choose a plan that includes the doctor in the network or find a plan with flexible coverage.