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Handyman Insurance, Business Dental Insurance

Sep. 27th 2017

Business Dental Plans

As a business owner, you are facing many difficult dental insurance plan decisions. One of the decisions is buying a business dental plan. Business dental insurance plans have become essential to businesses due to the increasing benefit needs of the employees, especially when they visit the dentist.

Group business dental insurance coverage is more affordable since all the participants of the plan are under one policy normally paid by the employer. Offering dental insurance to employees can aid in the employer recruitment and retention.

Studies indicate that supplemental employee benefits such as dental insurance can help retain high quality employees. The cost for business dental insurance will very, depending on the number of employees, the plan specifications, employee contributions, and the cost limitations you specify with your dental insurance agent.

Posted by Handy man Insurance | in Health Insurance | No Comments »

Handyman Insurance, Indemnity-Individual Dental Insurance

Sep. 13th 2017

This is the plan where you choose your own individual or family dentist. The dental insurance plan pays the dental office on a traditional fee-for-service basis. A monthly premium is paid by the client and/or the employer to an insurance company, which then reimburses them for the services rendered.

A dental insurance company usually pays between 50% – 80% of the family or individual dental office fees for a covered procedures; the remaining 20% – 50% is paid by the client. These plans often have a pre-determined or set deductible amount which varies from plan to plan. Indemnity dental plans also can limit the amount of services covered within a given year and pay them based on a variety of fee schedules

Posted by Handy man Insurance | in Health Insurance | No Comments »

Handyman Insurance, Helpful Information on PPO Dental Insurance

May. 27th 2017

PPO Dental Insurance – Another True Private Insurance Plan

Learning about Dental PPO’s Preferred Provider Organizations – another true insurance plan, a preferred provider organizations ( PPO) falls somewhere between an indemnity plan and a dental HMO.  A PPO dental insurance plan will provide you with more freedom to choose your dentist than an HMO dental plan.  You will be able to seek dental services from a wider selection of dentists and may visit any dentist or specialist within the PPO network.

Deductibles and Coinsurance – Typical with a PPO Dental Insurance Plan

With a PPO dental insurance plan you will usually have a deductible and a coinsurance amount.  In some cases, PPO dental plans will give you an option to seek dental treatment outside of the directory of dentists.  If your PPO dental plan provides this option, you will most likely be required to pay a higher coinsurance and your maximum payable benefits amount may also be greatly reduced for treatments outside of the network.

Before Choosing a PPO Dental Insurance Plan – Considerations

Similar to the HMO dentist, a dentist that accepts PPO dental insurance members will do so in an attempt to establish a patient base.  Before choosing a PPO dental insurance plan, make sure that there are dentists available in your area that accept the plan.  Typically, PPO dental insurance plans are said to offer better service and have less limitations than HMO dental insurance plans, but the premiums are usually more costly.  The rates are usually lower if the insured member selects a primary dentist and/or dental specialists from the dental PPO network, but the insured individual still has the freedom to choose a dental care provider outside of the established network.

PPO Dental Plans – Final Thoughts When Selecting a Plan

Participants insured with a dental PPO insurance plan are responsible for paying their deductible before receiving any reimbursement.  One of the key differences between dental HMO insurance and dental PPO insurance is that DPPOs usually allow dentists to spend more time with insured patients.  Dentists in dental HMO insurance plans are expected to see a certain number of patients, so some dentists have been known to rush through dental appointments.  A PPO dental insurance plan consists of numerous dentists that sign up to join a network insurance system or group with hopes that they will have many patients to service.  When subscribers join a PPO dental plan, they benefit from lower out-of-pocket costs when they see one of the network dentists.

Posted by Handyman Insurance | in Health Insurance | No Comments »

Family Dental Insurance For the Handyman

Feb. 1st 2017

Family Dental Insurance – The Most Popular Options

Family dental insurance plan works absolutely for those who desire coverage for family members.  A family dental insurance plan is one of the most popular supplemental options for overall medical insurance policies.  Family dental insurance plan is a very great way to cover your family, at reduced costs and greater benefits.  Most people that have an individual or family dental insurance plan have it provided to them under an employer-sponsored group dental insurance plan.

The Right Amount of Coverage – Family Dental Insurance Plans

There are a multitude of family dental insurance plans that can provide the right amount of coverage for your entire family at an affordable rate.  With a family dental insurance plan you will have access to oral surgeons, endodontists, pedodontists, periodontists and orthodontists. In addition, under an individual and family dental insurance plan basic preventative services such as teeth cleaning and oral exams are generally covered 100%.

How to Find the Best Family Dental Insurance Plans

Many of our family dental insurance plans provide access to more than 80,000 providers nationwide and include professional dentists located near your home.  Family dental care doesn’t have to cost an arm and a leg.  Family dental insurance will protect a family’s oral health and insure that trips to the dentist do not painfully affect the your wallet.

Family insurance dental plans are the greatest way to make sure healthy kids with great smiles and a strong mouth and teeth.  Family dental insurances include great benefits and coverage that includes everyone in your family.  Family members For most dental insurance plans are discussed in your household children under 18 years.  Family dental insurance for better oral health is a key aspect that creates a feeling of bond between the family members and is one of the most popular supplemental options for overall medical insurance policies.

Posted by Handy man Insurance | in Health Insurance | No Comments »

PPO Dental Insurance For Handyman

Jan. 19th 2017

PPO Dental Insurance – Another True Private Insurance Plan

Learning about Dental PPO’s Preferred Provider Organizations – another true insurance plan, a preferred provider organizations ( PPO) falls somewhere between an indemnity plan and a dental HMO.  A PPO dental insurance plan will provide you with more freedom to choose your dentist than an HMO dental plan.  You will be able to seek dental services from a wider selection of dentists and may visit any dentist or specialist within the PPO network.

Deductibles and Coinsurance – Typical with a PPO Dental Insurance Plan

With a PPO dental insurance plan you will usually have a deductible and a coinsurance amount.  In some cases, PPO dental plans will give you an option to seek dental treatment outside of the directory of dentists.  If your PPO dental plan provides this option, you will most likely be required to pay a higher coinsurance and your maximum payable benefits amount may also be greatly reduced for treatments outside of the network.

Before Choosing a PPO Dental Insurance Plan – Considerations

Similar to the HMO dentist, a dentist that accepts PPO dental insurance members will do so in an attempt to establish a patient base.  Before choosing a PPO dental insurance plan, make sure that there are dentists available in your area that accept the plan.  Typically, PPO dental insurance plans are said to offer better service and have less limitations than HMO dental insurance plans, but the premiums are usually more costly.  The rates are usually lower if the insured member selects a primary dentist and/or dental specialists from the dental PPO network, but the insured individual still has the freedom to choose a dental care provider outside of the established network.

PPO Dental Plans – Final Thoughts When Selecting a Plan

Participants insured with a dental PPO insurance plan are responsible for paying their deductible before receiving any reimbursement.  One of the key differences between dental HMO insurance and dental PPO insurance is that DPPOs usually allow dentists to spend more time with insured patients.  Dentists in dental HMO insurance plans are expected to see a certain number of patients, so some dentists have been known to rush through dental appointments.  A PPO dental insurance plan consists of numerous dentists that sign up to join a network insurance system or group with hopes that they will have many patients to service.  When subscribers join a PPO dental plan, they benefit from lower out-of-pocket costs when they see one of the network dentists.

Posted by Handyman Insurance | in Health Insurance | No Comments »

Indemnity Dental Insurance for the Handyman

Jan. 9th 2017

Indemnity Dental Insurance A Traditional Fee-for-Service Plan

Indemnity dental insurance is another plan where the plan pays the dentist on a traditional fee-for-service basis.  Indemnity dental insurance is an insurance package where the policyholder can choose his or her own dentist and the insurance provider will be the one to pay that designated dentist your fees or, usually, around half of them.  This indemnity dental insurance plan allows you to select any licensed dentist for service.  An indemnity dental insurance plan is often called a traditional dental coverage plan or a fee for service plan.  You will need to pay a deductible on your indemnity dental insurance.

Feature of an Indemnity Dental Insurance – 100% Preventive Care Options

There are several features of indemnity dental insurance plans for individuals that make these plans different from many other types of dental coverage: Insurance providers will pay up to 100% of preventative dental care.  Although they are becoming increasingly rare, indemnity dental insurance plans are also still available and provide the freedom to choose the dentist of your choice at a higher out-of-pocket expense.  In indemnity dental insurance plans, the insured has to pay all the costs for services directly and then submit a claim for reimbursement once a deductible has been met.

Indemnity Dental Insurance Plans – They are NOT Dental Discount Plans

Also included with discount dental plans, these are not dental insurance, but can provide you with the freedom to visit any dentists at considerable discounts over their standard charge, though they are seemingly rare, but the indemnity dental insurance plans are also available to provide freedom to choose the dentist from your choice on a higher out of pocket expenditure.  The lack of benefits has rendered traditional indemnity dental insurance little more than two inexpensive continuing care visits, consisting of an examination, prophylaxis (cleaning) and radiographs (X-rays) per year and help with minor restorative treatment, such as a few direct restorations (fillings).

Freedom of Choice When Selecting a Dentists – Indemnity Dental Insurance Benefits

Indemnity dental insurance plans usually employ an “open panel” of dentists.  Indemnity Dental Insurance Plans. This type of dental plan pays the dental office (dentist) on a traditional fee-for-service basis.  Like a PPO dental plan, indemnity dental insurance plans give you the freedom to go to the dentist of your choice.

Posted by Handyman Insurance | in Health Insurance | No Comments »

Benefits of Dental Insurance for a Handyman

Dec. 15th 2016

Benefits of Dental Insurance 

Dental insurance benefits vary depending on the type of dental insurance plan.  When reviewing the benefits of dental insurance especially when selecting a dental insurance plan, keep in mind there are various policy coverage options, dental plan deductibles, co-payments, limitations, restrictions and exclusions.

It is extremely important that you read the list of benefits provided by the dental insurance provider and be sure you are getting a dental insurance plan if that is what you wanted to purchase.

A reminder discount dental plans are not dental insurance plans. A discount plan partners with specific dentists to provide customers with a savings on visits to the dentist office much the same as dental insurance. The downside to discount dental plans is that they are not regulated and you have limited recourse if you experience dental problems.

Posted by Handy man Insurance | in Health Insurance | No Comments »

Purchasing Handyman Insurance Is Easily

Mar. 15th 2011

Purchasing Handyman Insurance Is Easily —  The potential risks involved with purchasing a policy over the Internet are few and easily avoidable if the proper precautions are taken. A motorist is more than capable of completing an online quote comparison with minimum amounts of personal information. Typically when searching through rates there is no reason for a driver to provide a social security number and are encouraged to search elsewhere if they are. Only when actually making a purchase is a person’s more personal information required, such as social security  or driver’s license number, and this is only given to the insurer. When choosing a provider it is absolutely essential to obtain a policy from a licensed and reputable provider instead of simply the company that offers the lowest price.

To ensure complete confidence when making a purchase over the Internet the Consumer Action Website recommends that motorists check to see the security available on the insurer’s website. A company which is reputable will often have added amounts of security in order to ensure that a client’s personal information is well protected. This can be seen by looking at the URL located in the website address bar. If the site URL begins with the letters “https” instead of simply “http” it means that the site has added amounts of protection, and is considered secure. If a driver is still unsure about whether or not a company is properly licensed to provide coverage, one may always contact their specific state’s department of insurance, which is readily available to answer a number of questions.

Posted by Handyman Insurance | in Health Insurance | No Comments »

California Health Coverage Costs are a Bit Lower

Jul. 27th 2010

Cost increases for California health insurance premiums are lower this year, and although California’s are higher than some other states, they are also still lower than in previous years. The Kaiser Family Foundation and Health Research and Educational Trust confirm what news wires also are reporting: nationally, the rise in cost of health care premiums is about 5 percent. This continues a trend from 2007, when a similar small cost increase was instituted.

However, according to Randy Jones of Hometown Insurance Services in Solvang, in California premiums are somewhat higher: “Ours in California, the rate went up higher than that. We’re getting a 10 percent rise,” he said.

Although the national increases were reported at the end of September, California’s current insurance rates are more difficult to come by. Insurance industry and regulatory agency figures found on the Internet indicate the 10 percent rise is in the ballpark. “If increases aren’t as bad this year, they were pretty horrendous last year,” Jones continued. One reason California’s premiums are not shooting up, he said: “We’re healthier.”

Posted by Handyman Insurance | in Health Insurance | No Comments »

Insurance Companies Cancelling Health Insurance of Sick Patients

Jul. 24th 2010

With President Obama’s speech to Congress last night outlining the details of his overhaul of healthcare in the United States, one interesting point popped up – the fact that Obama would guarantee that insurers could not reject people because of preexisting conditions. health insurance companies are increasingly citing the failure to disclose preexisting conditions as a means to cancel policies and deny benefits to people in need of care. The term for this is “Post Claims Underwriting”. What this means is that the insurance companies will not investigate someone for verification of entitlement to coverage until after they are sick and need the insurance. Of course, if they then determine the person is sick but not qualified they cancel the coverage and the sick consumer is left with no insurance.

Insurance companies are using the term “rescission” to refer to the cancellation of insurance coverage due to a company being misled. Rather than trying to mislead companies, omissions of preexisting conditions seem to be honest mistakes by people filing out increasingly complex forms. There have been countless stories about how people have signed up for health insurance, only to have their policies later cancelled when they need care. No one knows how often policies are cancelled because of a variety of different state laws and policies in place, however, the practice has become rampant enough to result in numerous lawsuits and new regulations put in by states throughout the country.

Posted by Handyman Insurance | in Handyman Insurance, Health Insurance | No Comments »

California Children at Risk of Losing Handyman Health Insurance Coverage

Jul. 23rd 2010

Thousands of California children could lose health insurance coverage in the coming months as a result of changes in Medi-Cal rules and decreased funding for local efforts that have provided coverage to children, the Los Angeles Times reports. Medi-Cal is California’s Medicaid program.

State lawmakers will require parents of children enrolled in Medi-Cal to renew their enrollment every six months.

The administration of Gov. Arnold Schwarzenegger (R) projects that the requirement will contribute to a drop in Medi-Cal enrollment over the next two years of about 196,000 children.

State lawmakers also have increased monthly premiums for Healthy Families, California’s version of the State Children’s health insurance Program, by $2 to $3 per child.

As a result, the state estimates that the parents of 19,000 children no longer will receive coverage through the program by July 2009.

The changes to Medi-Cal and Healthy Families were approved as part of a larger effort to address the state budget deficit.
Local Efforts.

Beyond changes to Medi-Cal and Healthy Families rules, children also could lose coverage because of funding challenges faced by local initiatives operating in 30 counties. The efforts target children who are ineligible for Medi-Cal or Healthy Families because of income or citizenship requirements.

The initiatives are funded largely by private philanthropies and local First 5 commissions, which disburse funds from a state tobacco tax for early childhood health care and education efforts.

Wendy Lazarus, co-president of the advocacy group Children’s Partnership, estimates that enrollment in the efforts has dropped by 8,000 over the past two years.

Posted by Handyman Insurance | in Health Insurance | No Comments »

California health insurance ambition narrows

Jul. 20th 2010

Seeking to salvage two years of efforts to completely remake California’s health insurance system, Gov. Arnold Schwarzenegger and Democratic legislators are nearing deals intended to rein in costly, meager medical insurance policies sold directly to individuals.

In the final weeks of the legislative session, they are negotiating measures that would limit insurer profits on California individual insurance plans, require plans to provide a minimum set of benefits and restrict insurers’ ability to cancel policies retroactively.

The new focus reflects how far Schwarzenegger remains from his original healthcare goal: to orchestrate medical insurance for the 5 million Californians who lack it. Despite a year of strenuous campaigning for his vision, which garnered attention nationwide, the state Senate rejected that $14.9-billion plan in January.

Many of the concepts now under discussion were included in that proposal. Although most California insurers supported the governor’s broader effort because it would have created millions of new customers, the industry is uniformly resisting the current push to circumscribe some of its most lucrative products.

Three million Californians buy health insurance on their own rather than through employers. Insurers keep health insurance premiums low — and profits high, their critics say — on some individual policies by limiting the services they cover. Such plans may exclude prescription drugs and maternity services, for example; others may cover only hospital visits.

Many of the policies have big deductibles and require patients to pay large portions of their expenses, costing them much more than coverage obtained at workplaces.

Posted by Handyman Insurance | in Health Insurance | No Comments »

California Legislature Drops Some Health Cuts From Budget

Jul. 18th 2010

Early this morning, the California Legislature approved a budget proposal for fiscal year 2008-2009 that avoided some cuts to health care and other programs, the San Jose Mercury News reports. Democrats widely opposed the proposed cuts (Zapler, San Jose Mercury News, 9/16).  The proposal does not eliminate dental services for adult Medi-Cal beneficiaries or impose new restrictions on Medi-Cal services for undocumented immigrants. Medi-Cal is California’s Medicaid program.

Beyond those already introduced by Senate Democrats, the budget agreement does not include cuts to California health care, human services or education programs, according to information Ventura County officials received from the California State Association of Counties (Biasotti, Ventura County Star, 9/16).
Healthy Families, Medi-Cal

The budget retains a provision to increase monthly premiums for Healthy Families, California’s version of the State Children’s health insurance Program (Los Angeles Times, 9/16).

The proposal would restore most of the 10% cut in Medi-Cal payments to health care providers beginning in March 2009 (Lin, AP/San Francisco Chronicle, 9/16). California’s Medicaid reimbursement rates will remain the lowest in the U.S. even after the cuts are restored, according to the Los Angeles Times.

Posted by Handyman Insurance | in Health Insurance | No Comments »

Handyman Public Health Insurance Would Be Too Good and We’d Like It Too Much

Jul. 14th 2010

A common thread is emerging in the right wing response to healthcare reform. Its opponents aren’t claiming that public healthcare will be bad. Rather, they are terrified that the new system will be so good that no citizen would buy expensive private insurance–or vote for politicians who wanted to take public insurance away.

The Obama team is sending clear signals that healthcare reform is a core economic issue, and the health insurance industry is becoming increasingly anxious by the future administration’s determination to bring healthcare costs under control. Some Americans are seeing their healthcare premiums rising at four times the rate of inflation, if they have insurance at all. Healthcare reform is a pocketbook issue for all of us, according to the Obama team.

In tough economic times it might be tempting to postpone healthcare reforms, but Obama is adamant that delay would be a false economy.

In the American Prospect, Joanne Kenen and Sarah Axeen support claims about the high cost of doing nothing:

A recent report by the New America Foundation’s health-policy program estimates that the cost of doing nothing about health care, including poor health and shorter lifespan of the uninsured, is well above $200 billion a year and rising. That’s enough to cover the uninsured and still have some left over for other public-health needs.

If healthcare costs continue to rise at their current rates, it will cost $24,000/yr to insure a family of four by 2016, an 84% increase from today. At these rates, half of American households would have to spend at least 45% percent of their income to be insured.

In the Nation, Willa Thompson describes how a bicycle crash made her appreciate the connection between healthcare and politics. Thompson was 21 years old when she suffered major injuries after a collision with a truck. Luckily, she was covered by her parents’ medical insurance until she turned 22. She later realized that if she had been just a few months older when the accident happened, she wouldn’t have been able to pay for her medical care.

We all agree that something needs to be done. Let’s briefly review the options that have been proposed so far. Obama wants to provide healthcare for all by requiring private insurance companies to cover everyone and creating a public health insurance plan to compete with private insurers. The second part of his plan is the public option that Republican opponents are so scared of.

Click here for your free California health care quote now!

Handyman, California Offers Lessons on Insurance Exchanges

Jun. 11th 2010

As Congress debates creating insurance “exchanges” as part of a health-care overhaul, the failure of a similar effort in California may offer important insights, former participants in the program say.

From 1993 to 2006, small businesses in California could buy health insurance through an exchange run initially by the government, and later by a nonprofit group.

The plan was undermined when some businesses with relatively healthy workers bought policies more cheaply directly from insurers, bypassing the exchange. That left the exchange with a shrinking pool of less-healthy workers, forcing rates higher and prompting many insurers to withdraw. Managers chose to shut the program in 2006 when one of three remaining insurers withdrew.

“There are definite lessons to be learned,” said John Ramey, who as former head of the Managed Risk Medical Insurance Board helped implement California’s exchange. “We learned them the hard way out here.”

Among those lessons, he and others said: Employers and individuals who qualify must be required to obtain health insurance through the exchange. Failing that, John Grgurina, who ran California’s exchange from 2002 until it ended, said government must impose rules governing rates and eligibility to protect the exchange from attracting a disproportionate share of high-risk people.

An exchange aims to get better prices for coverage by banding together businesses and individuals. Insurers would have an incentive to join an exchange because they would gain access to more potential customers. Individuals and employees of businesses that participate in an exchange would be able to chose from the available plans and pay the same rate.

Exchanges, either on a regional basis or a single national one, are likely to be a part of any final health-care legislation. Late Friday, the House Energy and Commerce Committee approved its health-care bill, though a full House vote won’t come until the fall.

President Barack Obama on Saturday praised the House committee’s action and urged lawmakers to “build upon the historic consensus.”

The compromise proposal agreed to in the House Friday exempted more businesses from the mandate to provide coverage to their employees and offered subsidies to fewer individuals to buy insurance through an exchange, which would shrink the number of potential participants.

Each of the three major bills — one in the House and two in the Senate — would create one or more exchanges. The specifics vary, but most of the proposals would impose more regulations than the failed California program, which analysts say would help the exchanges compete.

Despite California’s struggles, insurance exchanges are still the most effective way to expand coverage, said Elliot Wicks, a health-care consultant who wrote a report on the California program. The report, released last month, was commissioned by the California HealthCare Foundation, a private independent nonprofit.

Veterans of the California effort said the ultimate effectiveness of any exchange would rest on details that have yet to be worked out. They said the pool of people in an exchange should be as broad as possible, to spread both risk and administrative costs.

Click here for your free California health insurance now!

Handyman Insurance, Why 1.3 million Cal kids lack health insurance

May. 29th 2010

The nation has 8.6 million children who lack public or private health insurance and 1.3 million of them are in California, Families USA, a Washington-based advocate for expanded health access, says in a report based on new census data.

California, the nation’s most populous state, is just behind Texas in the numbered of medically uninsured children, Families USA says, and at 12.5 percent has the nation’s 12th highest rate. Texas is No. 1 at 20.5 percent.

Families USA, confirming previous reports, says that 88.2 percent of uninsured children come from families with at least one working adult. Families without earned income usually qualify for one of the public medical plans such as Medi-Cal. It’s been estimated that more than 6 million of the state’s 38 million residents lack health insurance.

Last year, Gov. Arnold Schwarzenegger tried and failed to gain legislative approval of a plan to cover virtually all of California’s uninsured residents. The full Families USA report is available here.

Handyman Insurance Concerns, Why is single-payer health reform not viable?

May. 28th 2010

When it comes to health care reform in America, there is a relatively simple solution that will cover everyone’s basic health care, control costs and save businesses, most people and the country a lot of money.

It’s called a single-payer health plan, where the government collects taxes to finance national health insurance. The government, which is the “single payer,” covers all citizens and pays the bills when they visit private (or public) doctors, hospitals and other facilities for medical care.

All would have basic coverage, regardless of whether they have a job, or where they work. Nobody gets billed for basic care. No-body goes broke because of medical bills.

Yet this option has been declared “off the table” by Sen. Max Baucus, D-Mont., who’s among those leading the charge for health care reform in America.

Top Democrats who will be deciding policy in America in 2009, including Baucus and President-elect Barack Obama, say single-payer is “not politically feasible,” because the public won’t strongly support it.

What they really mean is that when it comes to health care reform, they don’t want a political fight with some of the nation’s most powerful financial interests, which have the resources and the motivation to turn public opinion against meaningful reforms.

These interests include the health insurance industry, pharmaceutical drug companies, some hospitals, highly paid medical specialists, medical suppliers and others who now profit handsomely from our current system – and who could no longer command those profits under a single-payer system or an alternative form of a national health plan.

Handyman Insurance, Operating a Business Out of Your Home

May. 21st 2010

If you operate a business out of your home, your Homeowners and Personal Auto insurance will not cover you.  In fact, running a home-based business without the proper coverage could result in cancellation of your Homeowners insurance.  Many home-based business owners believe that their homeowners or renters insurance policy will adequately cover their home-based business.

Just because a business is located in your home doesn’t mean your homeowners insurance policy will cover you. You can buy a homeowners liability endorsement that will protect you in case clients or delivery people get hurt on your premises and sue.  An in-home business policy provides more comprehensive coverage for business equipment and liability than a homeowners policy endorsement.  In-home business policies are available from homeowners insurance companies, which offer business insurance bundled with a standard homeowners policy.

Handyman Insurance, Optional Home Business Insurance Coverages

May. 20th 2010

Insuring your homebased business is easier than ever.  Optional Home Business Insurance Coverages  For an extra premium, you can beef up your Home based Business insurance policy by adding: Umbrella Liability protects your business against the costs of catastrophic lawsuits.  Therefore, you may need home based business insurance.

There are a few different home based business insurance options available for you to consider.  If you own a home business, your home based business insurance will be tax deductible.  Therefore, depending on the type of business that you run, you may need a home based business insurance policy. You may want to consider liability insurance for your business if there is a chance that your product may injure someone or if someone could become injured while visiting your home business.

They are the experts and they can point you in the right direction as far as home based business insurance.  Several home-based business owners own their own homes, and presume that their home based business insurance also covers their home-based business activities.  Not only is this not true, but your home based business insurance activities can annulled your home insurance.  While several home based business insurance owners rely on their home insurance to wrap damage, loss and theft of possessions, all home-based businesses should have contents insurance as well to the contents and or possessions insurance offered by the owner’s house insurance.

Handyman Insurance, ABC’s Dr. Tim Johnson, 15 Years of Shilling, Universal Health Care

May. 18th 2010

ABC’s liberal medical editor, Dr. Tim Johnson, appeared on Wednesday’s “Good Morning America to boost Barack Obama’s universal health care plan and critique the more market oriented proposals of John McCain. Co-host Robin Roberts began the segment by seriously asserting, “We’re not endorsing one plan over the other. We’re just showing the differences between the two.”

But after she mentioned Obama’s assertion during Tuesday’s presidential debate that health care is a right, Johnson marveled, “But, I’m struck by the language of the right to life, liberty and the pursuit of happiness. Without good health, and that usually means without good health care, it’s hard to have those other rights.” Johnson, despite being a doctor, adopts the standard, liberal positions of most journalists and has a 15 year-plus history of advocating universal health care, including once asking if Republicans who opposed the policy were “immoral.”

Regarding Senator McCain’s idea to give people the opportunity to buy individual plans, even if they don’t have an employer, Johnson criticized, “That’s a difficult thing to do because there are so many different plans marketed.” Accentuating the negative, he added, “So, you’ve got to do a lot of work on your own and read the fine print. It’s a very difficult job for an individual.”

Johnson found no such criticisms for Senator Obama’s proposal. After describing the various health insurance plans the Democrat would offer, he approvingly observed, “But these plans will have been vetted by the government, just like they do for federal employees…But you know they’ve been vetted for basic care and coverage and that the cost is fair.”

Click here for your free Handyman health insurance quote now!

Handyman.com News – Sudden health-care changes unlikely in California

May. 15th 2010

Given all Barack Obama said about change during the presidential race, he might be expected to quickly revamp America’s health-care system, which virtually everyone calls a mess. Local people who have pushed for health-care reform say, however, they don’t expect major changes in a hurry. But they do foresee the new president attending to the issue.

Tatiana Fassieux, manager of the Chico-based Health Improvement Counseling and Advocacy Program (HICAP), which advises Medicare beneficiaries on their California health care coverage, recalled attending a conference last year where the next president spoke.”Obama did talk about the benefits of a single-payer system,” she said. However, with the nation’s economic problems taking center stage, “I don’t see any changes happening immediately,” she added.

In a single-payer system, competition among insurance companies is eliminated, and one agency is put in charge of administering health coverage and paying providers.

For years, a local group, the Butte County Healthcare Coalition, has promoted a single-payer system for California and the nation. Several of its members told the Enterprise-Record they expect incremental changes from Obama. That doesn’t thrill them because they believe single payer is the only real fix for what ails America’s health-care system.

“We do think President Obama will do more than has been done so far,” said Jeanne Ertle of Chico. She is a member of the local coalition and also vice-chairwoman of a statewide group, Health Care for All — California, which promotes single payer.

The term “universal health care” can have different meanings, she said. To some people, it just means everyone has health insurance of some sort. What it should mean, she said, is that everyone has access to the care they need. She’s convinced single-payer is the only way to achieve that, she said.

Norma Wilcox, treasurer of the local coalition, said she’s read Obama’s health-care plan, which she described as “cautious.” He proposed requiring parents to buy health care coverage for their children and said he hoped to cover two-thirds of those who now have no insurance.

“I think he’s open to input and is testing the waters,” Wilcox said. Congressman Wally Herger, R-Chico, said in a phone interview from Washington that single payer has gotten lots of discussion in the House but that no plan has materialized.

Click here for your free California health care quote now!

Health Insurance the Way You Want It – From HandymanInsurance.com

May. 13th 2010

Health insurance the way you want it for short or longer-term coverage needs.  Health insurance like other forms of insurance is a form of collectivism by means of which people collectively pool their risk, in this case the risk of incurring medical expenses.  Health insurance helps protect you from high medical care costs.

Health insurance provides many things: a safety net, should you get sick or injured; the means to maintain your well being with tests, screenings and vaccinations; and peace of mind, knowing your family can get the cheap health care it deserves.  Most individuals must buy health insurance under the landmark legislation passed by Congress last month, or face fines that will be phased in.

Posted by Handyman Insurance | in Handyman Help, Handyman Insurance, Health Insurance | 1 Comment »

Narrowing Your Health Care Choices for a Handyman

May. 10th 2010

If you’re thinking about becoming self-employed, or taking a job with a small company that doesn’t offer health insurance, you would be wise to begin looking into the various self-employed health insurance options that are available right now.  If you employ between 2 and 50 people, chances are you qualify for (and would benefit from) a group health insurance plan.

Thanks to recent changes in tax law, the self-employed can deduct the cost of their health insurance premiums from their federal taxable income (not to exceed the amount of their actual income  in other words, you can’t use your health insurance premiums to show a loss for your business).  This puts the self-employed on equal footing with big business, which has long been able to count health insurance premiums as a business expense.  Another way to lower your self-employed health insurance premiums and still get good coverage is to choose a plan with a high deductible, and combine it with a tax-free health savings account (HSA).  You generally can deduct premiums you pay for the following kinds of insurance related to your trade or business.

After narrowing your choices of group insurance policies down to the final two, compare the following of both: premiums, co-payments, deductibles, speculated expenses that are out-of-pocket, percentage amounts of fees paid, maximum limits on each claim and over lifetime claims.  Indemnity plans usually have a coinsurance provision as well as a deductible.  If your family health history is clean, it’s simply a matter of finding a policy that offers a mix of benefits and costs that work for you.

Posted by Handyman Insurance | in Handyman Help, Handyman Insurance, Health Insurance | No Comments »

Health Care Considerations for the Handyman

May. 7th 2010

Today, most comprehensive private health insurance programs cover the cost of routine, preventive, and emergency health care procedures, and most prescription drugs, but this is not always the case.  Comprehensive health insurance pays a percentage of the cost of hospital and physician charges after a deductible (usually applies to hospital charges) or a co-pay (usually applies to physician charges, but may apply to some hospital services) is met by the insured.

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Annual benefits maximums for a typical scheduled health insurance plan may range from $1,000 to $25,000.  By providing choices for both health insurance companies and types of health plans, combined with free online health insurance quotes, side-by-side health insurance benefit comparison, and live agent support, we enable you to choose a health insurance plan from the health insurance company that is right for you.

Get free health insurance quotes from the nation’s top carriers & local agents.  By matching you with top, local insurers; providing free health insurance quotes; teaching you what to look for in the right health insurance plan, and helping you sort through your health insurance options, we prepare you to prosper and thrive no matter what life throws your way.  That way, you and your family get the cheap health insurance you deserve with absolutely no worry.  These articles can help you become more educated on your health insurance options.

Immediately after providing just a few details on our secure website you are able to compare all of the best health insurance plans complete with monthly premiums.  With our online comparison tools, free phone consultation, custom recommendations, and personal assistance we are able to provide you with the information and answers to all questions and input you will need to find medical benefits that are right for you.  If you cannot afford health insurance, I may be able to help you find resources in your state and give you some tips on how to save on your healthcare.  Just put your 5 digit zipcode to get your insurance quote.

Posted by Handyman Insurance | in Handyman Help, Handyman Insurance, Health Insurance | No Comments »

People living without health insurance in our state was startling

May. 6th 2010

Plenty has changed since 2006, the latest year that the uninsured of California was counted by the U.S. Census. But even then, many months before the current recession hit, the percentage of people living without health insurance in our state was startling.

This week, the Sacramento Bee laid out the statistics, finding quite a disparity between those with health insurance and those without. Just in the five-county region The Bee covers, Yolo County posted an uninsured rate of 22 percent of people under 65, while the more prosperous Placer County — with more employment-based coverage — posted a 13.7 percent rate.

That’s quite a disparity, and the article by Phillip Reese and Anna Tong is worth reading. But the Bee doesn’t limit information to its circulation area, it also posts online a comprehensive rundown of each of California’s 58 counties’ uninsured rate, along with an interactive map of the state and rollover charts.

Here’s a sampling of what the authors wrote:

“The uninsured present an immense fiscal and public health challenge: 18,000 Americans die each year because they aren’t covered, according to the Institute of Medicine, a nonprofit research organization. This is because having insurance is closely tied to health outcomes: The uninsured won’t see a doctor regularly, and if they seek care it is likely to be inadequate or too late.

Moreover, the uninsured are a cost for society: One economist recently estimated the tab at $56 billion per year, 75 percent of which is paid by governments. In cash-strapped California, that cost is critical: 6.6 million residents went uninsured in 2007, more than in any other state, according to the California Healthcare Foundation.”

You can bet that, with massive layoffs and small businesses closing since that Census count, the number of those among us — members of our communities — who are going without health insurance is a great deal larger. Factor in the Governor and Legislature’s cuts in health and insurance programs for lower-income Californians, their children and the elderly, and you get an unimaginable sum of fellow Californians without access to affordable, quality health care — notably, preventative health care, with better outcomes.

This is what the conversation about health care reform boils down to, not pumped-up talking points and hyper-emotive protests based on misinformation. This is not a partisan issue. It is a people issue. And the bottom line is that the majority of Americans have already voted — for substantive change for a better future for our country.

best handyman insurance quotes offering low cost monthly rates Find the Best Insurance

Handyman insurance quotes is available on a state by state basis in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Dist of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming. Find the best Handyman insurance quotes from some of the finest and solid insurance companies who compare liability coverages based upon your own personal choices.
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Business insurance quotes vary according to the state your business is in so you need to keep this mind when shopping for insurance.
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How many years of experience in the licensed classification influences your final business insurance quote.

Handyman Insurance

Insurance might not be the first thing someone thinks about when running a business, but it should be an important consideration.   Handyman insurance is another requirement if you are thinking about starting a handyman business.  This website provides important insurance information on Handyman Insurance Coverage and quotes.

Handyman Insurance Coverage

Handyman insurance includes several types of coverage; each one offers a specific kind of protection for your business.  

(Handyman Insurance ) Commercial Auto: Covers a business's owned, no owned, and hired autos against liability and physical damage losses. 

Handyman Workers Compensation:  If your business as a Handyman employs any staff (including part-time, trainees or sub-contractors), Employers liability insurance cover is a legal requirement.  Employers liability insurance provides protection against your legal liabilities to pay compensation in respect of injury sustained by your employees in the course of your business as a Handyman.  (Handyman Insurance) Workers Compensation: Provides coverage for an employer's responsibility in the event of a work-related injury or illness.   Employers Liability Insurance for handyman work: This type of insurance would cover payment of legal fees and damages in the event that an employee was injured or killed while doing work for you. 

Tradesman Insurance for handymen: This is a package of several different kinds of cover for handymen, making up one policy that meets all your insurance needs.

Public Liability Insurance for handyman work: This type of insurance would cover you if your business activities caused injury or death to a member of the public.

Handyman General Liability - Commercial jobs will require you to have general liability coverage of $1,000,000 to $2,000,000 prior to being hired (not to mention that you protect your assets if something goes wrong on the job).

Products liability insurance for Handymen - Products liability insurance provides protection against your legal liability, compensation costs and expenses following injury or damage by goods that you have sold, supplied, repaired, tested or delivered in connection with your business as a Handyman.  Products Liability insurance for Handymen at 1,000,000 with the option to increase to 2,000,000 up to 5,000,000 or more.  Public Liability insurance cover provides protection against your legal liability for injury to third parties and damage to their property in connection with your business as a Handyman.

Professional Indemnity Insurance for handyman work: This covers you against any mistakes you might make  including bad advice you or your staff might give  that ends up costing your clients money, and leading them to take legal action against you.

(Handyman Insurance ) Umbrella Coverage: A broader form of coverage that extends the limits of liability found in a base policy form. 

Income Protection Insurance - If the essential person should be unable to work for a period of time, this handyman insurance helps to cover the loss of business as a result of the illness or injury.  Having sufficient income protection insurance is also a worth while consideration, if you were to fall off a step ladder or hurt your back and couldnt work, accident, sickness and unemployment insurance could help you to pay for some of your monthly bills in the event of you not being able to work.

The Handyman Insurance Program gives our policyholder comprehensive coverage for their handyman businesses, and the program is designed for Handymen who: Are hired to do a variety of miscellaneous work that would be found in a residential household environment;

Please note that standard home owner's insurance will most likely not cover business assets, and may VOID your home insurance coverage.  If your business is home-based, do you need more liability coverage than your home insurance policy covers. 

The Handyman program gives our policyholder comprehensive coverage for their handyman businesses, and the program is designed for Handymen.

Handyman Insurance Quotes

Find information on insurance companies and agents, rate quotes and comparisons, insurance buying tips, claims filing information and much more. Find the best Handyman insurance quotes liability commercial and small Handyman companies offering affordable monthly payment options for your handyman business and the self-employed.  Find the best Handyman insurance quotes from some of the finest and solid insurance companies who compare liability coverages based upon your own personal choices.  Get online quotes for handyman insurance now.  And it can help you save money on your handyman insurance without compromising on the level of cover you need.  The Handyman tradesman insurance policy has been crafted to cover all your Handyman insurance needs at the most competitive price.

 

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