What to Know About: Insurance »
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In the event of a disaster that affects your home and property, what are your options?
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After much research, I discovered that only a very few doctors take health insurance for spinal decompression. I found myself suddenly in a painful situation with my lower back and leg pain and the bills were adding up quickly. Each doctor had their own approach as to how and help me. I did the epidurals several times with some relief, but it didn't last and surgery wasn't an option. No one told me about spinal decompression. I had to hear about it from a friend and that's when the research started. I met with Dr. Karr and he reviewed my exam and MRI with me in detail. It mode complete sense as it related to the pin I was having, that being a nerve in my lower back being pinched and how everyone has a different idea of how to treat it. I decided to do treatment with Dr. Karr and I started noticing a difference rather quick. He explained that most people don't notice relief that quickly and Dr. Karr changed my treatment plan and started me on strengthening exercises. I believe he is the only office offering Medx with decompression. The cost was a fraction of what other offices wanted me to pay out of pocket and I must say I can imagine getting any better treatment elsewhere. I like to DRX9000 as oppose to the other machines I looked into. I am pain free and much more confident in my daily activities. I suggest seeing Dr. Karr before considering anything else.
I was unfortunate recently to have a accident in my car which has a Qualitas Policy on it. I wish to bring to your attention the service i have hence received from your Qualitas staff immediately following this incident and in the following processing of my claim. I have been dealing with one of your claims agents in Tijuana, Abel Pech. He has been nothing but professional in his service and processing of my claim, initially explaining the claims process thoroughly so i understood completely, putting me at peace that i was being looked after thoroughly, made me feel like a Qualitas valued customer, always keeping me updated with the claim progression and did all this with a very professional and courteous attitude. Im sure this is Qualitas company policy to deal with customers this way but Abel takes this all to another level, he is a credit to Qualitas and to himself for courtesy and professional attitude. Please take a moment to acknowledge to him my respect and gratitude for his help in a trying moment. If all your employees are this good and this well trained then be proud of your business.
you enter, and it's dismaying: this doctor has more patients than the Rolling Stones have fans. Apparently not may doctors wish to make our skin more sightly, for she has the biz wrapped up pretty tight as far as I can tell. The doctor herself is a sort of hyper-motion, short, African American woman with a confident and businesslike style. Talk fast... she's a busy gal and gets to the point. Her youthful staff consists of a fetching male, and a bunch of nominally nice females. Be forewarned: the one that sits at the desk as you are leaving is the money woman, and despite the doctor telling you "it's covered" u will soon find out you have a co pay.This woman will get your attention nicely on your way out for the beloved "co-pay." That is her job. What fun. btw, parking for this office is ridiculous. The parking garage is over the top; the meters are the way to go, but you need quarters unless you wish to use a credit card for a parking meter, and the fat assed meter maids are working this street like salivating barricudas. what a stimulating job they have....
Why could my Husband not be loyal to me, respect me as his wife, love me and only me without breaking our marriage vows? My Husband’s behaviors caused me to think maybe we were not meant to be together. It hurts to the bone when your life partner turns against you, making you sad instead of being your motivator, always engaging you in constant argument and confusion with the kids. The worst is him being unfaithful, seeing other women is like stabbing you in the back. My better half caused me so much pain for over 2years and 4months, we reassembly separated like 6weeks because his continuous reckless behavior became unbearable. I searched for permanent solution to get him back to us both physical and spiritual throughout the entire 6weeks. I was lucky to have Dr. Wakina (email@example.com) handle my case after reading alot of his spell stories. “Can you help me get my Husband back” was the request I made and the rest is history. My marital home is even better since the love spell changed and brought back my Husband. Dr. Wakina made me believe in second chance.
When I first started with RELC I was 9 months behind on my mortgage. I had talked to a number of other companies in the past that told me they could help but in reality they just took money from me with promises they couldn't keep. I was extremely nervous to sign up with this firm after I had been burned in the past however I had no choice and needed help because my bank would not work with me. I am so grateful I took a leap of faith and went with them because now my mortgage was brought back to current and taken out of foreclosure. My interest rate went down to 2.5% and my payments dropped a few hundred dollars. Hector was in communication with me throughout the entire process and eased my mind when I was on edge. The process took about 4 months from beginning to end but in the end I SAVED my home!!! Thank you guys for bearing with me and dealing with all of my questions and skepticism. I would definitely recommend this firm to anyone having trouble with their lender.
First off I would like to say thank you to Dr.Karr and his team for the wonderful service they provided me the moment I walked in the door. I came in as a walk-in and was treated like family. The whole team was kind, informative and helpful. So I finally decided to see a specialist after months of pain in my rib area. I am so glad I saw Dr.Karr as my Chiropractor. With Dr. Karr's expertise, he was able to diagnose the problem and use his magic hands to readjust my back and ribs. I feel fantastic after my first visit and kick myself for not coming earlier. It was also surprisingly affordable. It was so great to see Dr.Karr actually cared for his patients. He was all ears when I spoke and his face time was invaluable. I have already recommended him to others and will continue to use West Los Angeles Chiropractic office for all my chiropractic needs. I hope other patients will be able to experience what a wonderful practice you have. Best wishes. Anton
Been thinkin bout submitting myself for Acupuncture for alternative medications for my chronic pain caused by off and on SCIATICA which bothers me for more than over 10 years. I had treatment from my doctors and the pain is actively recurring and yes its my first time and choose IMB ACUPUNCTURE in top of my research list. And i got myself treated for the first session yesterday 6/23/14 with a warm welcoming heart of DAVID CHUNG and with his modern art technology ELECTROACUPUNCTURE combined formula medication approach in treating the areas where sciatic pinch nerve causes me a lot of discomfort after more or less an hour of treatment ... an instant relief and feeling of pain free was truly achieved with not much needle inserted with the help of ELECTROACUPUNTURE....i am fully satisfied and would highly recommend you to try IMB and you get your moneys worth more than anythingelse..with a truly fullfilling effect.
Kaiserinsuranceonline.com is leading Kaiser health insurance company. We offer an integrated suite of financial services including asset management, life and health insurance, lending, broking, investment banking, and wealth management. Our mission is to be the most admired life insurance company by securing the financial future of our customers. We are specialist health insurer engaged in the distribution & servicing of health insurance products. We have developed a personalized plan focusing on wellness and prevention to help you achieve your health goals. We are an integrated health delivery system, which means that we provide and coordinate the entire scope of care for our members. We’re dedicated to improving the health of our members and the communities we serve, by creating safe, healthy environments and providing care and coverage for all. http://www.kaiserinsuranceonline.com/
I have been dealing with one of your claims agents in Tijuana, Abel Pech. He has been nothing but professional in his service and processing of my claim, initially explaining the claims process thoroughly so i understood completely, putting me at peace that i was being looked after thoroughly, made me feel like a Qualitas valued customer, always keeping me updated with the claim progression and did all this with a very professional and courteous attitude. Im sure this is Qualitas company policy to deal with customers this way but Abel takes this all to another level, he is a credit to Qualitas and to himself for courtesy and professional attitude.Please take a moment to acknowledge to him my respect and gratitude for his help in a trying moment. If all your employees are this good and this well trained then be proud of your business.
Good morning Mr Abel. My message is to inform you that this Friday the second of December I have been in La Paz with the Qualitas lawyer senor Gualbert Ramirez who pick me up in La Ventana this morning. We have been to the minesterio publico and signed all the papers that have been forgotten to be stamps originally in January when I been with the Qualitas adjuster for my stolen motorcycle Immediately the day after the event. Everything should be back to normal now for your administration paper works, hopefully. Señor Gualberto Ramirez did a wonderful job and a very professional way and I collaborate the best I can agreeing to take of my time with you and restored in the good way the papers who wasn't done correctly at first, despite the fact I wasn't responsible for that mistake.
To mitigate the risk of loss, people purchase insurance policies from a company. When buying a policy, the person agrees to pay a premium, which is small, regular payment based on the losses that may occur. If the insurance provider determines there is a greater chance of risk as compared to the average policy, the premium is usually higher. Premiums are often paid monthly, and can add up over time up to be greater than the expense of replacing the insured item.
Many types of insurance only cover a certain amount of risk on an item. The amount the policyholder must pay before an insurance policy begins covering an expense is called the deductible. In the event of damage or loss to whatever the policy covers, the policyholder is responsible for the deductible no matter what. If the cost of damage or loss is less than the deductible amount, the insurance company does not pay anything. If the cost is greater than the deductible, the policyholder only pays the deductible, while the insurance pays the rest. Generally, the deductible amount is related to your premium, with a higher deductible usually requiring a lower premium, and vice-versa.
Selecting the right insurance involves careful research and evaluating many different options for coverage. This is why many people use an insurance agent to assist with making the right choice depending on their needs and financial situation. Agents often interview potential or current clients to get an idea of which insurance policies would benefit them the most. Based on their needs and individual risk, agents can often give potential customers a quote, which serves as a cost estimate for a specific policy. This is only a rough idea of what the policy will cost, because evaluating the risk associated with a given customer can take time. Insurance companies often compile an insurance score to quantify the risk an individual poses and calculate premiums accordingly. Credit scores play a major role in insurance scores, but past insurance-claim history is also taken into account.
While agents often specialize in a particular category of insurance, some sell several different types of insurance. Agents can work for a larger insurance company or operate independently, selling policies from several different insurers.
Almost anything of value can be insured to protect against loss due to a variety of circumstances. Insurance policies are very specific in the items they protect and in what event the policy holders will be reimbursed. Some of the most common insurance policies cover things we all use.
Millions of Americans drive a car to get from place to place each day, so it makes sense that auto insurance is one of the most commonly used types. In most states, the law requires drivers to maintain an active insurance policy on any car, up to a certain amount. Most car owners are required at minimum to purchase liability insurance, which protects against damage for which the policyholder is at fault. Liability insurance covers damage to property as well as any injuries sustained in an accident. It's important to note liability insurance only covers damage or injuries of others, not the policyholder themselves. In addition to liability insurance, car owners can also purchase coverage for their own vehicle and medical expenses in the event of an accident. For this purpose, liability, vehicle and medical coverage are often packaged together in a single policy.
Insurance can also be purchased for other vehicles, like motorcycles, ATVs, boats or RVs, and generally functions similarly to car insurance. Policies for alternative vehicles may have higher premiums if they are considered more dangerous, or might include other coverage options specific to the vehicle. Many companies that provide auto insurance will also offer coverage for motorcycles, ATVs, boats and RVs.
Your home, condo or apartment is probably the most valuable thing you own or otherwise pay for, so it makes sense to get it insured. Homeowners insurance is important not just for the security of the house itself, but for its ability to cover possessions inside the home as well. Many mortgage lenders also require an active home insurance policy.
Like auto insurance, homeowners insurance is typically bundled together with policies covering many different items or categories of items. The primary coverage type is for the dwelling, insuring the house itself and all structures attached to it. Policies may also cover property within the home, with premiums varying depending on the value of all assets. Personal liability may also be included for damage or injuries sustained on your property that you are responsible for, much like auto insurance.
Property insurance also may cover certain major events outside of your control. These are known as perils, and may include fire, flooding, natural disasters and other catastrophic events. You may want to purchase insurance against one or more of these perils if you live in a high-risk area. Flood insurance is an exception, however, and can be purchased through the government-sponsored National Flood Insurance Program. Your lender may require this if you live in a flood-prone area.
To help pay for medical expenses, many people rely on their health insurance. With the passing of the Affordable Care Act, almost every American is required to enroll in a health care plan, or they face a penalty. Health insurance works similarly to other forms of insurance, although it is probably used to cover expenses more often, since car accidents and home damage are relatively rare compared to doctor visits and the need for medicine. Health insurance also operates on a premium-deductible model, and policyholders can choose what level of coverage works best for their lifestyle. For example, if you visit doctors very infrequently, you may consider a plan with a low premium and a higher deductible. On the other hand, people who require regular medical care may wish to pay a higher premium in exchange for more coverage from their deductible. Dental and vision care are sold as separate plans and are not required by law.
When someone dies unexpectedly or is injured severely enough to be unable to work, it can be a financial disaster for their family or loved ones. Many people choose to purchase a life insurance policy to support their family in the event their regular income is suddenly lost. Life insurance comes in two basic types: term and universal. With a term life insurance plan, you pay a premium for a predetermined amount of time, usually 10 years or more. If you die at any point in that timeframe, your family receives a death benefit. If you're still around when the term is over, the coverage is canceled and you receive nothing. Universal life covers your entire life, and usually delivers a minimum benefit at death.
Travel insurance is available for individuals who want to protect against unexpected setbacks in the course of travel, whether it's losing luggage or medical treatment abroad. Travel insurance may prove particularly useful for people who travel a lot for work or often visit remote locations. Travel insurance can take the form of either specific or blanket coverage. Specific coverage is useful for covering only certain risks, like medical emergencies or unexpected trip cancelation. Blanket coverage may cover some or all of your expenses for your entire trip.
Pet insurance is a relatively new product that may help cover the costs of medical care for a dog, cat or other domestic animal. Medical care for animals can be very costly, particularly because insurance for them is rare. By paying into a premium, you can help offset the cost of unexpected emergencies as well as routine checkups and medication. While virtually unheard of a few years ago, pet insurance has become more popular as the cost of veterinarian care has continued to rise.
Umbrella insurance is extra coverage from liability for other insurance policies, usually home or auto insurance. Consumers may choose to purchase an umbrella policy if their home or car is more expensive than a typical policy would be able to cover. For example, most car insurance liability policies cover at least $25,000 per person or $50,000 per accident. But if the accident involves a very valuable car, or the victim is willing to pursue legal action, insurance may not even begin to cover the full cost. You may want to hedge your risk by purchasing umbrella insurance to add extra protection to your existing policy.
To receive a payout for an insurance policy, the policyholder must file a claim with the insurance company. The basics of the process are straightforward, but can vary depending on the type of insurance.
Claims Adjusters and Examiners
A claims adjuster or claims examiner is an employee of an insurance company, and the person responsible for evaluating claims and determining if the company will reimburse the policyholder at the amount provided. An adjuster inspects claims related to property damage, as in the case of auto or home insurance policies. Claims examiners are typically involved in health and life insurance, and review medical records to determine the proper payout for major medical procedures.
How To Make a Claim
Filing an insurance claim can be stressful and confusing, but you need to begin the process as soon as possible to make certain you can recover your losses. It's important to note that in the case of emergencies, you should always call 911 first. The safety and health of yourself and others takes precedent over insurance.
Auto Insurance Claim: If you're involved in an accident, you need to call the police right away and have them document the situation. You can file a claim upon obtaining the police report. It's also a good idea, if possible, to take your own notes at the scene. The most important things to record are what happened before the accident, the date and time, traffic signs in the area and road conditions. Also be sure to get the other driver's name, address, license plate number and insurance information. Even photos taken with a cell phone camera can help the claims process. Once you have this documentation, call your insurance company right away.
Homeowners Insurance Claim: In the case of damage, take pictures of the affected area as soon as any safety or health emergencies are resolved. Take note of what happened and all the relevant circumstances and report to your insurer as soon as possible. If any of your possessions were damaged, use an inventory of your important assets and make note of this in the claim. Once an adjuster has made their own report, review it for accuracy.
Life Insurance Claim: Send your insurer a claim form for each beneficiary in the plan, as well as a certified copy of the policyholder's death certificate. With the proper information, life insurance claims are generally straightforward. Problems may arise if the policyholder has died within two years of opening the policy. In this case, an attorney may be needed to settle the claim.
Insurance is a wise investment, but it can make a dent in your monthly budget. Thankfully, there are a variety of ways to trim the fat off your premiums and make certain you are paying only as much as you need.
Shop and Compare
Perhaps the best way to save on any insurance policy is to take the time to compare prices between as many companies and plans as possible. Even after you've chosen a plan and started paying into it, consider looking around again when it comes time to renew the policy. Consider using an independent agent when searching for a new insurance policy. While traditional agents can still find a good deal, independent agents can choose from a variety of providers and tailor your coverage to your specific needs. The Internet has also made comparison shopping easier than ever before. Potential customers can often get free quotes online very quickly.
Buy Only What You Need
Insurance agents will often try to "upsell" on various extra products that may be useful for certain people, but are generally excessive for the average consumer. Stick with basic plans that cover as much as you need without any additional costs. For example, if the annual cost of your auto insurance is 10 percent or more of the total value of your car, drop all but the most essential coverage. This is especially applicable if the car you drive is older and could be replaced with savings. Otherwise, you are paying for insurance that will never actually benefit you in the event of a serious crash. It can help to create a budget and know exactly how much income you have to work with before making a decision on a new policy.
Take Advantage of Discounts
Insurance providers offer a wide variety of discounts for all kinds of special customers or circumstances. In one of the most basic discounts, many companies will offer lower rates for customers who purchase home, auto and life insurance policies from the same provider. Car owners may get a rebate from taking a safe driving course. For those with teenagers on their plan, good grades can earn a small discount as well. Insuring multiple cars with the same provider may also lower premiums. Some providers will offer lower rates for military personnel, federal employees, teachers, first responders and their families.