There is no doubt most Americans agree that health care costs are way out of line and it is next to impossible to find a low cost alternative health insurance choice. The reasons for this are numerous and, just like the price of gas, we just have to deal with the premiums. This result has lead thousands of Americans to take a look at alternative ways to pay for health care premiums and one choice many have been choosing is to share their medical bills.

Weekend Insurance Tip: Learn About Medical Sharing

originally appeared on About.com Personal Insurance

on Saturday, March 6th, 2010 at 20:45:20.

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We will see it more and more as we all realize we have a nation full of sick people who don't want to change their lifestyles but still want equal health care coverage

. Have you ever taken the time to think about why smokers usually pay the same amount for their health insurance as you do?

It is a change that some insurance companies started years ago and it is catching on quickly. Yes, in individual health insurance one pays for their lifestyle choices but in group or employer health insurance everyone usually pays the same. But now, that is also changing.

According to www.newsandsentinel.com

city employees can pay less for their health insurance if they don't smoke but will have to sign a "tobacco-free affidavit" and "the city will perform a review to make sure tobacco users are truthful in their claims."

How the "review" is handled will surely be a contested point among workers and staff alike. And I am sure both sides will argue about why one way or the other is not fair. Regardless, this is the future. Think about other insurance policies such as your homeowner

and car insurance

. Do we all pay the same amount for car insurance but get to drive any way we want?

Cutting Your Insurance by Signing a "Tobacco-free Affidavit"

originally appeared on About.com Personal Insurance

on Thursday, March 4th, 2010 at 19:34:35.

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According to www.doityourself.com

, some people mistakenly choose special life insurance policies that do not require a medical exam. Byron Udell states in the article, "While it may be more convenient to buy insurance that way, it will cost you a fortune in the long run. These policies are significantly more expensive than their fully underwritten counterparts because the insurance company isn't being given the opportunity to really evaluate its risk."

If you are nervous about your life insurance medical exam, check out the article What to Expect: Your Life Insurance Medical Exam

. It will give you a list of common questions asked and procedures performed for your life insurance medical exam.

Life Insurance with No Medical Exam? Yes, But You May Pay.

originally appeared on About.com Personal Insurance

on Tuesday, March 2nd, 2010 at 22:32:29.

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 There are many reasons why teens tend to be more distracted while driving. Parents and their driving habits play a key role and insurance will just keep going up for us all if we don't stop our distracted driving.

Weekend Insurance Tip: Know Why Driving Distracted a Problem With Teens Driving

originally appeared on About.com Personal Insurance

on Saturday, February 27th, 2010 at 22:13:08.

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 We all know that health insurance rates are on the rise but what about car insurance rates? Here is a great tool that will help you monitor car insurance rates nationwide. It is the Auto Insurance RateWatch

from Insurance.com. The car insurance rates update the first of each month.

Shopping for car insurance online? Then don't forget to check out the Online Auto Insurance Quote Guide

.

Monitor Car Insurance Rates Nationwide

originally appeared on About.com Personal Insurance

on Thursday, February 25th, 2010 at 09:57:19.

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Getting free health screenings instead of going to your physician for them can help you save on your health insurance copayments

. Walgreens is teaming up with AARP and offering free health care screenings nationwide.

According to www.walgreens.com

, "The AARP/Walgreens Wellness Tour is delivering free health screenings and health education to communities across the country with a special emphasis on diverse and underserved areas. The nationwide tour features nine customized buses that travel 240,000 miles across 45 states, visiting more than 2,000 communities in 300 cities."

Save on Your Copayments with the AARP and Walgreens Wellness Tour

originally appeared on About.com Personal Insurance

on Tuesday, February 23rd, 2010 at 12:00:56.

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 Purchasing gap insurance is important for many. If you are buying a new car or leasing, in most cases it is a must. But, when it comes time to purchase that gap insurance policy, have you thought about what company you want your gap insurance through?

Weekend Insurance Tip: Know Where to Purchase Gap Insurance

originally appeared on About.com Personal Insurance

on Saturday, February 20th, 2010 at 12:00:03.

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Did you know that United Healthcare offers a health insurance plan specifically for diabetics

? It is a managed healthcare plan

designed to help employers offer health insurance for their diabetic employees. The insurance not only helps educate diabetics but also provides free diabetic supplies along with savings of up to $500 per year for the employee. If your employer does not offer a diabetic health insurance plan you can ask them to look into offering one.

Diabetes Health Plan

originally appeared on About.com Personal Insurance

on Thursday, February 18th, 2010 at 12:00:39.

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 If you are looking into pet insurance and want to try a policy out without obligation, www.dogster.com

has a great offer. If you sign up with them you can get 60 days of free pet insurance from Trupanion.

When shopping for pet insurance it is wise to first take a look at The Top 10 Questions to Ask When Buying Pet Insurance

.

Free Trial Pet Insurance

originally appeared on About.com Personal Insurance

on Tuesday, February 16th, 2010 at 12:00:18.

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