Our guide to buying insurance aims at providing you with helpful insurance information.  We'll talk about the pros and cons of term life insurance versus cash value policies such as universal life.  We'll help you find low cost health insurance, and tell you about the ins and outs of the Medicare program.

Personal health insurance plans can often be expanded to provide coverage for the entire family.  If a household is growing, and there's a need to purchase additional health insurance, there are several important factors to consider before buying a policy or adding family members to an existing policy.

According to government statistics published in September 2014, nearly 34.5 million Americans buy individual health insurance policies because they cannot get group coverage where they work, or do not qualify for federal programs such as Medicaid or Medicare.

If anyone ever says it's easier to run your own company, they're forgetting about the benefits an employer provides for their employees, including health insurance.  Think it's easy for the self-employed to find inexpensive health insurance?  Think again.

When it comes to health care coverage, there are really only two options:  individual and group health care plans.  In this article, we're going to talk about the group coverage options that might be offered at large companies, and how small businesses can join together to offer group health care to their employees too.

According to a Poll conducted by Zogby International back in August 2004, 17% of Americans feel affordable health insurance was one of President Bush's greatest failures.  The 2010 Census also tells us that 49 million Americans (16.3%) have no health insurance.

Some people would argue there is a national healthcare crisis here in the United States, and low cost health insurance should be available to all citizens.  While that last statement is certainly debatable, we'll address the issue of low cost health insurance in the article below.

Short-term healthcare insurance may be of interest to individuals that are between jobs, or waiting for a new healthcare policy to come into effect.  Because it's sold as short-term insurance, the benefits and costs will be different than "standard" insurance policies.  Therefore, the expectations of the policyholder should be different too.

In an attempt to save students from unexpected medical bills, colleges and universities are oftentimes requiring student to carry health insurance. This coverage also helps university medical hospitals to avoid losing money when students can't pay their bills.  Recent surveys indicate that between 10 and 30% of students do not have any healthcare insurance.

Back in 1998, the Patient’s Bill of Rights established an office of the Insurance Ombudsman in each state across America.  The provisions of that Bill were to apply to all health care plans.  The Bill included provisions such as access to care, monitoring the quality of care offered, protection of patient information, and a process for grievances and appeals.

In order to make the right choice when buying life insurance, you need to understand some of the basics.  There are many companies selling insurance, and sometimes making the best choice can be difficult.  To start the process, you need to think about the answer to this question:  Why do I need life insurance?

Unfortunately, buying life insurance is not that simple.  The marketplace is filled with a number of choices including term, whole life, as well as universal life policies.  In this article, users can walk through a series of questions that can help them choose an insurance policy that suits their planning timeframe, coverage needs, as well as their budget.

A topic that's not an easy one to talk about is life insurance.  Adding to this stress are aggressive agents, which can make this subject difficult to discuss in an objective manner.  As consumers, the most important fact to keep in mind is this: a life insurance policy is an important part of every family's financial contingency plan.

Perhaps the most affordable way to provide for the financial security of loved ones is by purchasing term life insurance.  It's a policy that's oftentimes described by insurance carriers as protection for those that cannot afford permanent insurance.  That's because, by nature, term life insurance is usually guaranteed for intervals such as 10, 20 or 30 years.

A whole life insurance policy combines the benefits of a term policy with that of an investment.  When paying the annual premium on this type of policy, the money needs to fund both of these components, so these policies are considered expensive when compared to benefit-efficient term insurance.

Also known as group universal life and group variable life, universal life insurance, is a policy that allows the holder to change the amount of coverage as the need for insurance changes.  These policies also provide the owner with the opportunity to accumulate a tax-deferred cash value too.

Disability insurance is something that many people don't worry about when they are young, single, and healthy.  But as the years pass, and financial responsibilities change, people naturally begin to think about the effects a sudden disability might have on those that depend on their income.  That's where Social Security can help.

In January of 2008, the Treasury Department first announced plans to offer prepaid debit cards for recipients of Social Security.  Coamerica Bank was chosen as the debit card issuer, and the Direct Express card provides users with safer and more convenient access to their Social Security benefits when compared to paper checks.

Medicare is an important health insurance program run by the federal government that provides for both hospital care (Medicare Part A), medical care (Medicare Part B), and prescription insurance (Medicare Part D).  In this article, we are going to discuss eligibility rules, and some of the more common terminology found within this program.

Medicare is a federally sponsored health insurance program for people aged 65 and over, those with certain disabilities, and individuals with permanent kidney failure.  In this article, we are going to focus on Medicare Part A:  hospital insurance.  We'll talk about the enrollment process; provide the most recent premium information, as well as deductibles and coinsurance payments.

Medicare is a federally-sponsored program designed to provide individuals age 65 and older, and those with qualifying disabilities, with health care insurance.  The entire program is split into several parts.  Medicare Part B is medical insurance that helps participants pay for the costs of doctor bills and outpatient medical care.  Part B also covers some of the medical services that Medicare Part A (hospital insurance) doesn't cover.

On December 8, 2003, Congress passed a comprehensive Medicare prescription drug program, known as Medicare Part D.  This program was aimed at providing Medicare recipients with prescription drug insurance.

Individuals receiving health care benefits through Medicare frequently search for additional supplemental insurance, also known as Medigap and / or Major Medical coverage.  These plans are sold by private companies to fill in coverage "gaps" in the original insurance program.

We are going to finish our series on Medicaid by providing a comprehensive list that outlines where to find a Medicaid application.  The listing includes the organization's name, street address, telephone numbers, as well as website addresses.

Medicaid is a state and federally funded health care insurance program for low-income individuals and families, as well as those that can demonstrate need.  To be eligible for Medicaid benefits, individuals need to fall into one of over 25 different eligibility categories.

Medical science has worked wonders over the last several decades.  Americans are living longer and healthier lives.  Still, many people fear that one day they may wind up in a nursing home, which can then be a financial burden.  This is where Medicaid planning becomes important.

Planning for your long-term care, or that of a loved one, is an important decision that many of us will face one day.  As the quality of health care here in America improves, lifespans extend, and the use of nursing homes becomes more commonplace.  That's why Medicaid planning strategies are getting so much attention lately.

Federal law now makes it easier for everyone to buy and own long term care insurance.  That's because it's easier for states to start programs that help reduce the worry, and stress, of paying for long term care.

The single best way for homeowners to protect their investment is by owning an insurance policy.  Since the vast majority of homeowners also have a mortgage, the lending institutions themselves often require owners to carry insurance on their property.

Whenever buying insurance, it's always a good idea to shop around.  When it comes to home insurance quotes, there are a few simple guidelines that can help families to compare policies.  Comparison-shopping can save hundreds of dollars on annual premiums, and perhaps even thousands of dollars when filing an insurance claim.

An often-ignored feature of both homeowners and renters insurance policies is personal property coverage.  That's unfortunate, because if a claim is filed, policyholders might be surprised at the response they get from their insurance carrier.

Nearly all homeowners or automobile insurance policies can provide liability protection too.  Unfortunately, this is oftentimes an overlooked or ignored option.  That's unfortunate, because liability insurance can play a critical role in protecting the owner's assets.

To many families, a pet can bring love, companionship, and security to a home.  With this relationship comes a responsibility on behalf of the owner to provide for their pet's proper veterinary care; whether it's a routine checkup or an emergency.  Purchasing a pet insurance policy can oftentimes help ease that financial burden.

Even if a community has never experienced widespread flooding before, purchasing flood insurance is something every homeowner should consider.  Many owners mistakenly believe their homeowners insurance policy provides flood insurance.  Renters often make the same mistake, thinking that they don't need coverage, but this isn't always true.

While many of us don't like the idea of paying our insurance premiums each year, we are always glad we did when we need to file a claim.  But how many of us even think about buying insurance against disasters?

Anyone that leases or rents an apartment, condominium, duplex, or house, should consider purchasing renter's insurance.  The landlord's homeowners policy should cover damages to the building, but this coverage does not protect the belongings inside the structure or protect the renter from liability claims.

Today's dental plans are beginning to look more like health insurance plans of the late 1980's and early 1990's.  Companies continue to search for the most efficient ways of supplying medical and dental insurance to employees, which means more dental maintenance organizations (DMO), and paying a greater share of the insurance premiums.

Insuring an automobile is more than just a good way to protect an investment.  It's also a good way to protect people too.  In most states, owners are legally required to carry insurance to protect passengers, people that might be injured by the car, and damages it might cause to property.

Also referred to as trip cancellation insurance, travel insurance compensates policyholders for nonrefundable expenses.  For example, if the trip needs to be canceled for some unexpected reason, and the expenses such as airline tickets are nonrefundable, the insurance company will compensate the traveler for their monetary losses.

Anyone that's recently applied for a homeowners or car insurance policy may be familiar with insurance credit ratings.  These ratings are based on the policyholder's credit score, and are oftentimes used by insurance companies to determine policy premiums.