Category: Insurance Help Videos

What is a HRP Health Reimbursement Plan – Health Insurance Advice & Tips What is a HRP health reimbursement plan?
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1-877-686-5217 is a private website run by USA Health Plans, Inc. All rights reserved. Premiums are an example of possible health insurance rates after receiving Federal Tax Credits. Final health insurance monthly cost could be more or less as rates vary based on age, income, family size, plan selection, and other factors. Enrollment begins October 1, 2013 and end December 15, 2013 for plans that begin January 1, 2014.

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Two brothers, a game of carrom and an honest piece of advice

Max Life Insurance brings to you its new campaign, #SachchiAdvice. Take a look at this engaging conversation between two brothers and what happens when the elder brother suggests the younger one to start saving in insurance. The ad showcases the reality of every household, that is the young usually shrug off any advice that comes from the elders.
However, the truth is that it’s only those who care for you, who have a genuine interest in your welfare and are the ones who give you the most honest advice. That’s why, ‘Sachchi advice sirf apne hi dete hain’.

Health Insurance advice for small Business owners 1 By QQBenefits com Health Insurance Advisors 360p

Health Insurance Things to know

Health insurance is changing at a extremely rapid rate. For an average American, this is extremely confusing. Because so many people are talking regarding it at the same time. Therefore, to chose best suited insurance coverage is extremely important & difficult at the same time with all the information available;and this is different for everyone. Our motto is – Get the proper health insurance coverage for you in the most convenient manner.

We’ll be discussing regarding small business owner’s insurance needs. If you want more details or information, do visit our website.

Small Business Definition
Definition – “It is the business where number of employed persons is less than 50.” Do not focus on legalities of this def. It is for discussion only. Actual legal definition may vary.

What are the types of insurance plans?

The most common coverage plans are –
a. Individual & Family Plan
b. Group Health Plan

Let’s discuss Individual & family health insurance first – – Individual & family health insurance plans are purchased to cover the business owner & family members. As an individual, this is useful for the business owner.

This is a proper plan – for an individual. But this may not be proper for a business owner, because your employees are not covered with this. That’s why second choice is better.

Group Health Insurance Coverage Plan – Small Business insurance plans / Group Insurance plans are mainly employer sponsored medical care insurance plans. In these, the employer & employee typically participate in the same insurance coverage. The family members could also be included in the coverage. Some lucrative tax benefits can be enjoyed with these plans.

The points you must know
Whenever choosing any type of plans, we must consider the factors that are important for you. The factors –
– The coverage amount
– How convenient it is to buy
– Your need for specific Doctors/Hospitals
– The cost of the premium

You must carefully consider these factors before you commit to any health insurance plans.

Preferred Medical care insurance Plans for business owners
Every person;s situation is unique and so is the insurance plan to chose from. The topmost medical care insurance plans are discussed here.

1. HMO Plans

The health services & treatments required are provided by the HMO network of providers. The insurer must go to these else the treatment and services are not covered when they are obtained from non-network service providers.

2. Preferred Provider Organization Coverage Plans

Some doctors and hospitals are on each insurance companies’ list. They are given first preference for sending insurers for the treatments. In such coverage plans, it is mandatory that the person will go to these service providers. Non-preferred service provider charges may not be covered at the full reimbursement rate.

3. Indemnity Health Insurance Coverage Plans

These plans offer maximum freedom. The doctors and/or hospitals can be chosen by you under this plan. It is not uncommon with these plans that you pay upfront for the services. The insurance company then reimburses you.

So these are some of the most popular plan types available for a small business owner. As stated above, for further details do visit our site & choose the most appropriate plan for you.

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Insurance Advice TV

Life insurance may be purchased for many reasons. Insurance is purchased to provide an income for your family when you die. Or, you may purchase a life insurance policy to assist with your children’s college education if you live by using a cash value policy.

You may use a life insurance policy to insure your business partner’s life so that if he dies, you can buy out his half of the business from his family. Alternatively, you can use cash value life insurance as a way to supplement your retirement income.

During your life, you may accumulate many debts and financial obligations. As a spouse and a parent, you will need life insurance. But, you’ll also need to know what it is and how it works before you buy it.

New York State Insurance Regulations : Basic Insurance Advice

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Insurance regulations tend to vary depending on the state that you live in. Learn about New York State insurance regulations with help from a longtime member of the professional banking and insurance industries in this free video clip.

Expert: Emmanuel Osuyah
Filmmaker: Alexis Guerreros

Series Description: Insurance is a necessary and very important part of all of our daily lives. Get basic insurance advice with help from a longtime member of the professional banking and insurance industries in this free video series.

How Does Self-Employed Health Insurance Work? : Insurance Advice

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Self-employed health insurance is deductible on your taxes at the end of the year. Find out about how self-employed health insurance works with help from a member of the professional banking and insurance industry in this free video clip.

Expert: Emmanuel Osuyah
Filmmaker: Alexis Guerreros

Series Description: Insurance is a very complicated topic, so you’ll always want to do your research before setting out to get yourself a policy to make sure that you’re making the most informed decisions. Get tips on insurance with help from a member of the professional banking and insurance industry in this free video series.

Learner’s Driver Insurance Advice : Insurance Needs & Tips

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Learner’s driver insurance advice is designed for people who don’t quite have a full driver’s license yet. Get learner’s driver insurance advice with help from a nationally-recognized insurance expert in this free video clip.

Expert: Dan Weedin
Filmmaker: Jay Windland

Series Description: Your insurance needs will likely vary depending on specifics of your own situation and exactly what it is that you’re trying to insurance. Get tips on how to fulfill your insurance needs with help from a nationally-recognized insurance expert in this free video series.