What to Know About: Insurance »
In the event of a disaster that affects your home and property, what are your options?
3800 Centerpoint Dr Ste 601Anchorage, AK 99503
From Business: Founded in 1937 by Charles C. Parker, Parker, Smith & Feek is one of the 100 largest insurance brokerage firms in the nation. Privately owned and headquartered in…
1508 E Bogard Rd Ste EWasilla, AK 99654
From Business: Sometimes, when you have more questions than answers, it might seem easier to do nothing at all. At COUNTRY Financial we help you take small steps today with pers…
In the event of a disaster that affects your home and property, what are your options?
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
If you want to avoid entering the hosting hell dimension, here are 10 potential entertaining glitches, and how to avoid them.
I met Dr. James Zielinski while browsing through row of vendors at one of the shows held at Sullivan Arena here in Anchorage. Through our conversation, I came to know that he was in the chiropractic field and obviously a caring, knowledgeable and dedicated professional. His explanations broke down a complex field of practice into terms I could easily and clearly understand. Dr; Zielinski’s clinic was having a promotional special which he invited me to. After years of suffering in horribly debilitating back and neck pain, I finally decided to take a step forward and really do something about it. Shortly after the show, I took a deep breath and walked into his office. I did not realize at the time that this would be the best “steps forward” that I would ever take.To tell you the truth, it did not take only a session or two to “cure” my pain. There was a lifetime of problems to be addressed and so much work to be done. Dr. Zielinski took such excellent care of me from the word “go”. He patiently listened and learned about my overall health before administering his healing physical manipulations and therapy. After only having worked on me for a few weeks, the results were amazing! My pain was completely gone and I felt so much better. But here is the really good kicker. Because of Dr. Zielinski’s wonderful treatments, my body has become painlessly-fluid and much more active than ever before. I have truly surprised myself by the new things I have tried: rock climbing, high-elevation hiking, monofining, compound bow-shooting, to name a few. Just pick something and I have probably done it or will be doing it soon. Another side benefit of my increasing activity has been a weight loss, which I have kept off now for three years. But remember, none of the above-mentioned changes could have been made without the most important first step, addressing my pain through chiropractic care.If you go to see Dr. Zielinski for relief and healing and do precisely as he advises, I promise you will find that relief from pain and the changes through healing that you seek and in good measure. You deserve the most complete healing, the deepest and the most positive and productive change, and nothing will stop you from finding it in Dr. Zielinski’s office.
It is the mission of North Star Chiropractic to improve as many lives as possible through the correction of the vertebral subluxation complex (VSC). Our intention is to help our practice members achieve optimal health and wellness through chiropractic adjustments. By correcting nervous system interference we enable people to maximize their full innate intelligence therefore maximizing their full human potential. We intend to educate our practice members allowing them the empowerment to take charge of their health.Everyday more people like you are becoming conscious about their health and well-being, and that of their children and/or family. VSC often times does not produce pain or discomfort until it has progressed to an advanced stage. This is more evident in our pediatric population. The most critical time in life to have an optimum performing nervous system is when the body is growing and developing. The Insight Subluxation Station ™ has specific settings for infants and children. This technology helps me to identify these problems before they become symptomatic.Professional athletes like Tiger Woods, Lance Armstrong and Dan O’Brian three time world champion and Olympic decathlon gold medallist, depend on their bodies and realize the important role their spine plays in allowing them to function at peak performance. I am very proud to be bringing the same level of technology that professional and world class athletes are using to my patients.Because having a subluxation free spine and nervous system is an essential component of optimum health, my vision and mission is to serve the community by promoting optimum wellness and health.In practice as well as online, we strive for excellence through first class care, education, and satisfaction.Within this site you will find all types of health-related information. Information about our office and services, chiropractic, wellness care, pediatric care, diet and nutrition, back and neck pain, work and auto injuries, a monthly health newsletter and much, much more.We hope you enjoy the information and share it with others. Again, thank you for visiting and remember to come back often.Yours in Wellness,Dr. Michael Hanifen, B.S., D.C.Owner
I went to another Chiropractor to have two ribs put back in place and then i decided since my spine bent i would have them straighten me, the first day was fine then second day he cracked me so hard i had a sharp pain just under my bra line... I asked him if he broke my rib and he stated no, the pain got worse and every time i went in they would readjust me, only to cause more pain by the end of the weekend last week i was really sore, i went in on Monday and told them i was sore but they stated i need to readjust again, but Tuesday i was in tears i even had my dr. do an xray to make sure i didn't have a broken rib.. i went in for a massage and was told i had to readjust, i just couldn't do it but felt bullied into it.. i couldn't get back into my car i couldn't get out of my car.. my husband tried to help and hit my elbow and i was crying again.. i have a high thresh hold to pain but this was intense.. the next day i cancelled the rest of my appointments with them and i was eating Aleve like it was candy.. I was referred to this Dr. by my neighbor she stated they do NOT crack... they got me in on Sat. the 29th, i was really nervous. He worked my right side and just a little on left, i went back today and he did it again and my pain is almost gone and i feel a ton better.He actually lines you up...he has a table that you stand on then it lowers. He checks my alignment with my legs and feet and my head and my hands in different ways.. he uses a thumper is what i call it lol It's not painful.
My family and I have been seeing Dr. Gary and Dr. Jesse for 3 years now. At first I was skeptical about his tactics, but EVERYTHING he's ever done for us has worked. He treats the cause rather than the symptoms. At 1 yr old, my son fell off the couch and later that night starting puking. The regular doc. at Providence childrens' clinic said it was a stomach virus and to ride it out. After another 24hrs of throwing up I had Dr. Gary adjust him and he IMMEDIATELY felt 100% better and had an appetite. When I first started going, I had headaches that made me noxious, now my headaches are gone! My two year old had not developed any speech. The regular doc. suggested speech therapy and that everything seemed normal. Dr. Webb tested her nutrition levels and gave us a supplement for her. Within ONE WEEK she picked up 10 new words and has been gaining vocabulary consistently. My lower back used to have pain every time I would lay down flat, and my legs would ache. That pain is gone now as well. I have too many stories to post. I just wish that I knew about the Webbs a long time ago! (Also, I once tried a different chiropractor - thinking they were all the same. The are NOT all the same.)
I’m Alicia and I came to Dr. Omeads office. I found it on a Google search, and basically I am very skeptical going to any chiropractors because I respect my body and I don’t want to let just anyone mess with my spine. I’ve been really bloated, I have sinus problems, and when I came here this morning I couldn’t move my neck. After a very long and thorough examination I feel better. I’m smiling! And my nose feels better, my posture feels better, I’m actually a lot more aware of my neck now too which I’ve been holding, I thought I had good posture so I’m learning to heal myself and I’m going to come back and I hope you have a good session too.
I always recommend Anchorage Spinal Care to my friends. I let them know that I've received the BEST care there. I came to see Dr. Trekell back in 2001 when I was very nervous about chiropractic care. He immediately made me feel at ease with the whole exam. Ever since then I've been a happy returning customer. I've also had excellent care from Dr. Ketz. He is very easy to talk to and immediately addresses any areas of pain I have. They even offer massage therapy!Thank you for quality care!!
Most amazing experience I have ever had ...very helpful, knowledgeable, professional, kind, caring. Her unique approach has been life changing, I feel hope for the first time in regards to managing my pain, she definantly has made a great impact on my quality of life. I highly reccomend her to all types of patients with a wide range of issues. Her flexibileSchedule makes it easy to make appointments with a busy life
I am trying to find a Dr. Thomas Gordon who worked at either Providence or Humana hospital in the summer of 1992. He would have been in neurology and would have been a consult there.I desperately need medical records for that time frame. If you are aware of that Dr. Gordon would you please email me firstname.lastname@example.org.Thank you
Dr. Mike does a great job of explaining everything before he even does any adjusting and I appreciate the time he takes and the concern he shows for his patients. Although he's a busy man, you don't feel like he's rushing you out the door and you can tell he really cares. Thanks Dr. Mike!
Excellent care. Chiropractor massage therapist are the best I have ever experienced. They really listen to you. Office staff us great about checking insurance benefits so there are no surprises when it comes time to pay.
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.