uluckme

Tak jadi Dihukum mati, Sepasang Majikan Ini Dibui 20 Setelah Membunuh TKW Asal Indonesia

I'm getting married this month and wondering what to do about health insurance. My wife and I both work, but her company doesn't provide health insurance and mine does. She's currently getting a really cheap plan for only $50 per month.Can we keep our health plans or should we try to be on the same plan? Does it matter?

First of all, congratulations! Marriage is very exciting. Figuring out health insurance typically is not.

Generally speaking, you can only change your health plan during open enrollment, which runs from November 15 through February 15 this year. However, marriage is considered a qualifying event, which means you can change your health plan 30 days after you tie the knot.

You can choose to stay on separate health plans after marriage. However, in your case, your employer’s plan disqualifies your wife from receiving a subsidy. If her monthly cost is only $50, we'd guess that she is receiving this help from the government to offset the cost of health insurance.

Let's discuss five different health plan options you (and anyone getting married trying to figure out health insurance) should compare after tying the knot. Remember, you have 30 days after your wedding to make a change.

1. Add your spouse to your company's group health plan.

This might be your best option. Ask HR or the person who handles your health plan how much employee + spouse coverage is. Sometimes organizations cover a large percentage of dependent coverage and other times they don't cover much at all. You'll want to figure out the cost and then investigate if this health plan is a good fit your wife's needs.

How will you know if it fits her needs? Well, start with networks. If she has a favorite doctor or hospital, she'll want to make sure her favorite providers are in-network. Then, if she takes prescription medication, see how much that will cost per month on the plan. Typically figuring out those two pieces will give you both a good idea of whether or not a health plan is best.

2. Find a plan on the individual market for both of you to join.

Because your employer offers health insurance, you won't qualify for a subsidy, but that doesn't mean you can't purchase a marketplace plan or a plan on the individual market. In fact, it would behoove you to investigate different options to see if you can get a better rate or a better plan. Some couples really like being on the same plan and having expenses count toward one family deductible.

3. Look for a new marketplace plan for your spouse.

Since your wife will no longer be eligible for a subsidy, she'll want to look into all her marketplace options. She may want to opt for a cheaper plan to make up for the extra money she'll be spending without the subsidy help.

4. Look for a plan on the individual market for your spouse.

Healthcare.gov isn't the only place to purchase a health plan. You can also purchase coverage on the individual market (typically through a broker). You'll want to compare marketplace and non-marketplace health plans before making a decision.

5. Have your spouse update her subsidy information and keep everything the same.

You may be a in a great spot with your current coverage and want to keep everything the same. If this is the case, it's important to have her update her subsidy eligibility on Healthcare.gov. If she doesn’t update her account, she will be faced with paying back the subsidy for the months after the wedding.

Best of luck on your upcoming marriage. Be sure to figure out the best health strategy within 30 days of tying the knot. Otherwise, you both will have to keep the same health plan.

Health insurance can be confusing and there is a lot of conflicting information available. Our mission is to be your most trusted advisor when you navigate these difficult scenarios. We'd love to answer your questions, so please leave a question in the comments below or email us at marketing@bernardhealth.com.

We look forward to hearing from you! And as our teachers told us, there are no stupid questions.

If you enjoyed this post, you may like What happens to my health insurance after moving?

SOurce: Bernardhealth.com

Share |

GIla! Rekam TKW Saat Mandi Diam - Diam Selama 3 Bulan, Pria Ini Dipenjara 4 Bulan

health Insurance 7:10 AM

I just had a baby boy and in between trying to figure out how to be a mom, I know I need to figure out health insurance. Help! How do I sign him up for health insurance? I know I can call my insurance company, but I don't know if my plan is best . . . or if I should look into a different plan? Does my baby need health insurance when he's so little?

Congratulations on your little man! Having a baby is a very exciting time. But it can also be overwhelming, can't it? The good news is that if you have comprehensive health insurance (in other words, not a short-term health plan or a catastrophic plan) your son was covered by your insurance company from the moment he was born. But this train will leave the station in 30 days.

That's right, the clock is ticking. Having a baby is a qualifying event, and therefore gives you a 30-day window to enroll your son in coverage and even change your health plan.

There are two options you should consider: add your son to your health plan or switch plans altogether.

1. Add your newborn to your health plan

If you want to put your baby on your health plan, call your insurance company and have his birth certificate and social security number ready. Tell them you just had a baby and would like to add him to your health plan. If you have a health plan through your job, then you'll need to notify your HR department or whoever is in charge of benefits about your son's birth. Let them know that you'd like to add your son to your health plan. In both scenarios, it would be good to inquire about cost. And don't miss the 30-day window!

Once your son is enrolled in a health plan, this plan covers him retroactively. What this means is from the moment he was born, his new health plan covered all his checkups, procedures and any other medical costs--regardless of when you sign him up during the 30-day period. He will have his own deductible, coinsurance and out-of-pocket maximum. If he's healthy, hospital will typically bill all the care at the hospital under you. But if he's sick, the hospital will likely bill all the hospital care under his deductible.

Now, let's look at another option for getting your baby coverage.

2. Switch health plans

Since having a baby is a special event that allows you to change your health plan, it would be a good idea to compare adding him to your health plan to signing up for a different health plan altogether. Maybe you talk to your HR department and find that employee + family coverage is really expensive. Or maybe you have never liked your health plan and want to enroll in a better strategy for you and your family. Whatever the situation, there is always a reason to look into a better health plan. You could save money or find more inclusive coverage, or both.

Before you start looking at new health plans, here are some good questions to answer:

How much am I willing to pay in monthly premiums?
What doctors and hospitals are important to me?
What kind of prescription drugs do I take?
How much do I estimate to spend on health care expenses?
Do I prefer paying copays for visits and prescriptions or having an HSA to pay for health care expenses?
What are some aspects of my current plan that I don't like?

After you answer these questions, you can compare marketplace plans or off-exchange plans to your employer plan.

Just like adding your baby to your current health plan, you have 30 days after his birth date to enroll in a new plan. The coverage for this new plan will also be retroactive, meaning it will cover him starting at birth.

Having a baby is exciting, but there are a great deal of health insurance questions that arise. Try not to let health care confusion overshadow this special time. If you need help comparing health plans, you know where to reach us.

Share |

Viral TKW Bernama Evi Jupitasari, Kerja DI Hongkong Berstatus Janda yang Viral Foto - Fotonya Karena ...

car Insurance 9:10 PM

To help you trim costs, Penny Gusner, CarInsurance.com consumer analyst, advises the following:

1. Take a defensive driving course or driver training course

Defensive driving classes go beyond the basics taught in driver’s education by having motorists learn how to drive in hazardous conditions, anticipate dangerous situations and avoid accidents. The best part? The cost is usually only $25 to $75 and you’ll typically snag a discount of five to 15 percent for three years. Note, however, that insurer and state law requirements for these discounts vary a great deal. For example, 21st Century Insurance offers a discount to drivers under the age of 21 who take a state approved defensive driver course but with Esurance the discount is not age-based and is available to all drivers in New York, New Jersey, North Dakota, Georgia and Oklahoma.

Another option, though it also comes with exceptions, is to take a driver training course. Some car insurance companies will offer a discount between five and 15 percent, for driving training courses, while others do not since it is part of the licensing process.

2. Stay on your parent’s policy

If at all possible, stay as a named driver on your parent’s policy as long as you can. This is usually the cheapest way to get insurance if you are a young driver. You and your parents can net a multi-car discount of up to 25 percent.

3. Be sure you are assigned to the cheapest car in the household

If your household has several cars, it can save money to have you assigned to a specific one -- the one that's cheapest to insure. Check your policy and be sure to double-check this with your insurer, as some companies will automatically assign young drivers to the most expensive vehicle unless you tell them otherwise.

4. Cash in on distance discounts

Car insurance for college students can be pricey for sure, but you can capitalize on certain discounts. One that can reap up to 20 percent off is the “Student Away” discount. Typically, you qualify if you are listed on your parent’s policy and drive one of their cars they keep at home but attend college 100 or miles away. Some insurers may also require that you are under age 26 and unmarried to receive the discount.

5. Compare car insurance quotes online

We fooled you, as chances are you thought we’d list the “good student discount,” which usually gives up to 15 percent off for those who maintain a “B” average, but most folks are aware of that. While it’s a bonus that’s good to get, and one we recommend you look into, you can likely save way more by simply doing a car insurance comparisonto see who offers the lowest rates. Here’s why: Rates for the exact same coverage vary by hundreds of dollars, depending on which insurer you choose. That’s because each insurance company assesses risk differently and uses its own formula when deciding how much you pay. If you don’t shop around, you won’t save. You can see how much you can save by using our average car insurance rates tool, which shows rates by ZIP code for six age groups and three coverage levels, as well as the highest and lowest rates fielded from up to six major insurers.

Which auto insurance companies have the best rates?

To help you buy the most affordable coverage, in the chart below you’ll see average rates by company for each state for drivers age 20 for state minimum liability limits.

Share |

Begini 4 Tips Jitu Agar Saat Jadi TKI dan TKW Tidak Di selingkuhi

car Insurance 2:52 PM

Share |

Depresi Ditinggal Istri Jadi TKW Bertahun-tahun, Bapak 4 Anak Ini Potong Kem4luannya

Women Car Insurance 2:46 PM

Before age 30, men tend to pay more than women do for car insurance — sometimes a lot more. But after that, the tables may turn. One NerdWallet analysis shows that women can pay up to 5.4% more than men for the same coverage once they reach the big 3-0.

Single women typically pay more than married women. A July 2015 study from the Consumer Federation of America indicates that five of six major insurance companies consistently charge separated, divorced or never-married women more than their married counterparts.

Only three states — Hawaii, Massachusetts and North Carolina —don’t allow insurers to consider gender when pricing auto insurance.

Of course, you won’t get married or stay married just to save money on car insurance. But you should be aware of other strategies you can use to lower your premiums.
1. Shop around

It’s difficult to overstate the importance of comparing multiple insurance quotes if you’re looking for a good price. A recent NerdWallet study found that drivers can save an average of $859 a year simply by shopping around. And you don’t even need to leave your couch to do that. Just make sure that the quotes you’re comparing reflect the same level of coverage.

[Compare car insurance quotes with NerdWallet’s Car Insurance Comparison Tool.]

It’s smart to compare rates periodically even if you’re happy with your current insurer. The company that offers you the best deal may not be the same year to year. This is especially true if you’ve moved to a new state. For example, a NerdWallet analysis of rates charged by the 10 biggest insurers in three states found that Geico had the lowest rates in New York but the most expensive in California.
2. Ask for discounts

Most major insurance companies offer a wide variety of discounts, so ask your agent what’s available. You might be able to lower your rate by being retired or a recent graduate, not driving very much, taking a defensive driving course, buying multiple policies or types of policies from the same insurer, having a car with certain safety features — such as automatic seat belts or anti-lock brakes — or paying your premiums with automatic withdrawal.

If you’re looking for a “safe driver” discount, find out how long it takes to qualify. For example, Allstate requires only three years of driving without a violation or accident before it’ll grant the price break, while Geico requires five.
3. Buy a cheap-to-insure car

Your choice of vehicle will affect your rates, especially if you’re purchasing collision and comprehensive coverage. Your insurer determines your premium in part based on its past experiences with your car model, including claim history, repair costs and theft rates.

Minivans and small- to medium-size SUVs are among the cheapest vehicles to insure.
4. Reduce coverage costs

If you have a late-model car, you probably want comprehensive and collision insurance. They will be required if you’re financing the vehicle. But you can lower your premiums for both by choosing a higher deductible. NerdWallet found that raising your deductible from $500 to $1,000 saves an average of $200 per year, and raising it from $500 to $2,000 saves an average of $362 per year. (Our study analyzed only one vehicle, a 2015 Camry, in two states, so your savings will vary.) Just make sure you have enough set aside in an emergency fund to meet your deductible, if necessary.

Don’t try to save money by skimping on liability coverage. Each state dictates a minimum amount that drivers must have, but those amounts are often insufficient to protect you financially after an accident. Boosting your coverage from $50,000 per accident to $300,000 — which offers significantly more protection for your assets — costs an average of $247 per year, according to a NerdWallet analysis.
5. Drive smarter

The better your driving record, the better your insurance rate. Some tips:

    Take a defensive driving course. You’ll learn strategies for avoiding accidents and may even get an insurance discount.
    Adjust your driving habits when roads are snowy, icy or rain-slicked.
    Use cruise control on the highway when traffic is light to help keep your speed at or under the limit.
    Avoid using your cellphone while behind the wheel. Texting and driving is illegal in 46 states and Washington, D.C., and hand-held cellphone use while driving is banned in 14 states and Washington, D.C.

6. Improve your credit

In all but three states — California, Hawaii and Massachusetts — your credit can help determine your car insurance rate. A NerdWallet analysis of rates in Florida, Ohio and South Carolina found that drivers with poor credit paid 76% to 123% more for car insurance than drivers with excellent credit. Drivers with average credit paid 28% to 37% more. If yours might be running up your rates, use these easy ways to improve your credit.
Offsetting gender pricing

You can offset gender-based rates with savvy car insurance decisions. Don’t buy too little coverage, but don’t pay more than you must, either. NerdWallet’s Car Insurance Comparison Tool can help you find a good deal.

SOurce: Nerdwallet.com

Share |

Viral TKI di Hong Kong Live Facebook Saat Disiksa Majikan

Life Insurance 12:17 AM

Share |

Viral Video Silvia Agustina Ejek Gaji PNS, Tentangganya Geram Ungkap Siapa Dia Sebenarnya

Life Insurance 6:59 AM

Getting an indexed universal life insurance policy tailored for you can be a daunting task. Why? Because universal life insurance was designed to be flexible, which means there a lot of options to consider. In fact, if you took some time to shop online, you’d likely end up empty-handed.

To help you get a handle on the topic, I reached out to Tom Murphy, President of Murphy Financial services, who specializes in indexed universal life insurance.

Below are four golden rules to remember when considering indexed universal life insurance.

Rule #1: Shop your broker, not your companies.

This is where the internet can get you in trouble. There are tons of calculators and companies to be found on search engines that will try to persuade you to make a hasty decision, typically by pitching the cheapest rate. The most important item to remember about IULs, however, is that one size does not fit all.

“The fortunate thing for consumers is they have many strong options when shopping for permanent life insurance such as an IUL. The unfortunate thing is they have many options,” says Murphy.

I wholeheartedly agree with Tom. This is why it’s more important to shop your independent agent versus trying to shop all the companies on your own. Find an independent agent who specializes in indexed universal life insurance, not just term or whole life, and let them shop for the best options that meet your specific goals.

Having a strong independent agent can have a drastic impact on the quality of your policy.

Rule #2: Living Benefits Or Bust

Living benefits are the biggest thing to come along in life insurance in many years. In simple terms, living benefits are riders to your policy that provide benefits before you pass away. These enhanced benefits allow you to accelerate all or a portion of your life insurance death benefit while you’re still living.

Below is a quick glance at the most common living benefits included with indexed universal life policies:

• Terminal Illness: Insured policyholder is diagnosed as terminally ill and has 12-24 months to live.

• Chronic Illness: Insured cannot complete some minimum specified activities of daily living.

• Critical Illness: Critical illness benefit has many triggers such as heart attack, cancer, kidney failure or stroke. Normally, the greater the severity of the illness, the greater the living benefit payout. For example, Stage 3 cancer has a higher paying lump sum benefit that Stage 2 cancer.

• Critical Injury: Client experiences severe burns, traumatic brain injury, paralysis or coma. Most companies do not offer critical injury benefits, so it’s important to ask your agent if your policy options include this benefit.

According to Murphy, “Living benefits complete your safety net portfolio and provide an alternative to other standalone insurance solutions such as Long-Term Care, which is especially important for families living on a tighter budget.”

Why would you want a life insurance policy that doesn’t allow you to access the death benefit funds if you were to get sick or injured?

Rule #3: Level out the roller coaster.

We’re all aware of the roller coaster that is investing and maximizing our ROI. The stock market goes up and down, and while you’ll likely have more gains than losses, it’s still good to consider ways to level out the dips in the roller coaster.

“Indexed Universal Life policies are one solution to that anxiety-filled roller coaster ride by offering products with minimum crediting guarantees from 0-3%,” says Murphy. This means, regardless of the market performance, the money within your policy is contractually guaranteed. (Variance in minimum guaranteed is another reason to shop around).

What does that mean? It's true that you might not earn as much as you would have invested in the stock market, but you are protected from what you could potentially lose. It's diversification 101.

Murphy adds: “When the index increases, the insurance company executes its options and credits your policy up to the maximum amount of your policy.”

This means your policy is subject to a cap or crediting ceiling. Depending on the company, the caps are often in the range of 8%-18%. A cap of 18% means that, if the market returned 20%, you would only receive up to the cap of 18% -- not 20%. If the market was negative, however, you would still get your policy guarantee.

So, there you have it. Make sure to review policy floors and caps, as they can make a drastic difference in long-term performance.

Source: Forbes.com

Share |

Pages

uluckme

Tak jadi Dihukum mati, Sepasang Majikan Ini Dibui 20 Setelah Membunuh TKW Asal Indonesia

1. Add your spouse to your company's group health plan.

2. Find a plan on the individual market for both of you to join.

3. Look for a new marketplace plan for your spouse.

4. Look for a plan on the individual market for your spouse.

5. Have your spouse update her subsidy information and keep everything the same.

GIla! Rekam TKW Saat Mandi Diam - Diam Selama 3 Bulan, Pria Ini Dipenjara 4 Bulan

1. Add your newborn to your health plan

2. Switch health plans

Viral TKW Bernama Evi Jupitasari, Kerja DI Hongkong Berstatus Janda yang Viral Foto - Fotonya Karena ...

1. Take a defensive driving course or driver training course

2. Stay on your parent’s policy

3. Be sure you are assigned to the cheapest car in the household

4. Cash in on distance discounts

5. Compare car insurance quotes online

Which auto insurance companies have the best rates?

Begini 4 Tips Jitu Agar Saat Jadi TKI dan TKW Tidak Di selingkuhi

Depresi Ditinggal Istri Jadi TKW Bertahun-tahun, Bapak 4 Anak Ini Potong Kem4luannya

Viral TKI di Hong Kong Live Facebook Saat Disiksa Majikan

A Life Insurance Case Study

Viral Video Silvia Agustina Ejek Gaji PNS, Tentangganya Geram Ungkap Siapa Dia Sebenarnya

Popular Posts

About me

Labels

Blog Archive

Labels

Pages

About Me