Long & Short Term Disability Insurance Features and Benefits in 2020

Insurance is a must today because hectic and fast-paced life can result in unexpected circumstances, which can lead to losses.

Through an insurance policy adequate compensation can be gained by which such losses are minimized to a great extent. You will find various types of insurance policies available, which make payment for different types of needs and situations from which a suitable one can be selected.

Disability Insurance

Disability Insurance, Its Features and Benefits
Disability Insurance, Its Features and Benefits

Why Opt For Disability Insurance?

Out of the many types of insurance available by which losses can be mitigated an important one is disability insurance. It is very affordable and will cost just 1 to 3 percent of your salary but in the event of disability that prevents from working in a regular job it compensates to a great extent thus minimizing financial losses.

Different companies provide this insurance in various forms hence you have to check out the definition of disability with any of them, before signing up for any policy. 

Those who are in a line of work, there they face the risk of health problems that can cause disability should take this insurance as it offers much needed compensation in the event of a casualty. Prior to availing this insurance it is vital to take a medical test and drug exam.

Disability Insurance For Mortgage

You might be wondering if it is really worth to spend money on disability insurance. It is to be noted that this form of insurance is highly essential in the event of a disability preventing a person from working which stops an income flow thus preventing them from providing for the family.

The money gained from this type of insurance can be used to meet various expenses thus mitigating financial burden. It can be availed in the form of short as well as long-term insurance.

A question that is often posed is ….why Should someone take up disability insurance when there is health insurance to give adequate composition. It is to be noted that health insurance offers compensation when a person becomes sick and it brings down the medical bills arising from this situation.

However disability insurance pays out of the actual wage of the insured in the event of a disability that stops the person from working. The compensation provided is not the entire salary but about 60% of it, enough to cope with the difficulties of the financial situation arising due to inability to work.

Short Term Disability Insurance Policy

The short term disability insurance policy offers a pay out only after a certain period of time during which the  policyholder must be disabled and hence cannot go to work. If during the period the policyholder is able to over come his or her disability and resume work the policy will not pay out at ssa.gov.

The amount gained is a small portion of the salary and is provided for short period of time. Long term disability insurance policy offers composition in the form of a large salary amount. The amount offered is 60% of the salary and it is given for over a period of time.

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Pre-Need Funeral Insurance Plan

About Pre-Needed Funeral Insurance And Its Manifold Benefits

Today you will find life being so fast-paced and hectic that anything can happen. It is possible for a health problems or a sudden twist of events to make an earning member suddenly pass away leaving behind dependent family members.

Pre-need Funeral Insurance

It is in such a situation that having life insurance policy becomes important as payout from it will help meet financial obligations big and small.

How Does Life Insurance Help?

It is to be noted that while life insurance helps to meet many financial obligations that arise when an earning member passes away. It does not pay for immediate and urgent funeral expenses.

Yes. Such expenses have to be met with by family member through some arrangement for money from local community or money lenders, if   they are unable to make the payment by themselves.

As such an average final expense insurance cost range from $3000 to $10000 and such amounts can be difficult to manage when they arise suddenly. It is such circumstances that call for the need of having burial insurance for seniors. It has been designed to solely take care of immediately a passing away expense and in doing so relieve grieving family members of the same.

Pre-Needed Funeral Insurance

A pre-needed funeral insurance is one in which money from the policy is used to pay for immediate funeral expenses.It has been designed to provide financial compensation specifically for such needs and hence money from it is paid out quickly. 

In the event of the policy holder passing away and claim being made, the pre-need funeral insurance policy comes into effect and it pays out in just one or two day so that survivors can cope with immediate and urgent financial expenses as well as other critical financial expenses.

Getting this type of policy is easy as it can be quickly purchased online. If an individual were to go to the senior life insurance company to avail it, the application form is simple, just one page and requires no medical exam.

Pre-Need Cremation Plan Policy

Money for the policy can be paid as a lump sum else it can be paid on a monthly basis over a period of time with automatic bank account deduction.

In the event of the policy holder passing away, benefits are paid to the funeral home and whatever remaining comes to the hand of the survivor is used to pay of any remaining financial obligations. There is no tax obligation on the amount received, which can be further clarified by consulting a tax advisor.

Filing a claim for a pre-needed funeral policy is simple and easy. All that is required is contacting the funeral home, based on which various types of paperwork and correspondence is managed with the insurance company providing the policy. Claim is processed soon and money is given by the insurer of the funeral home in just 24 to 48 hours. You can check this website myfuneralinsuranceforseniors.com for detail information.

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American Property Casualty Insurance And Why You Need It?

American Property Casualty Insurance And Why You Need It?

We spend a lot of money on housing, looking into the most attractive properties in the market and making a decision based on which is best in terms of facilities and pricing. Most people take up a loan which carries on for a period of 15 to 20 or even 30 years to buy a house.

American Property Casualty Insurance

American Property Casualty Insurance And Why You Need It
American Property Casualty Insurance And Why You Need It?

After making such a huge investment into property steps have to be taken to prevent financial losses in the event of a calamity affecting it. If something like a rainstorm, hurricane, hailstorm or other similar natural disaster were to strike the property it would be extensively damaged making the life difficult.

You can no longer live in it and have to move elsewhere which will put a financial strain in addition to the loan payment that has to be made. One way out of this problem is property casualty insurance.

About Property Casualty Insurance

Property casualty insurance offers compensation in the event of extensive damage to property due to a natural disaster. Payout from the policy can be used to meet various types of expenses that arise after such damage and help to bring down financial losses arising from repair work and restoration.

When there is a home loan present alongside such difficulties, you will find the compensation from the casualty insurance to be adequate for helping to continue with mortgage payments on a monthly basis. At the same time having, there is enough money to get the home back to how it originally was. Some of the many scenarios that is covered by this insurance include:

  • Home is vandalized or is damaged due to natural disaster or theft
  • Visitor or worker  inside gets injured and decides to sue
  • Need to pay to a worker due to injury inside when performing a job

What risks do property and casualty insurance policies protect against?

This insurance not only compensates in the event of natural casualties affecting the  property but also when it is affected by collision, theft and vandalism. Payment is also received in the case of third-party liability.

You can find it offering a broad spectrum of coverage which should be checked at the time of policy signing up so that the conditions under which claim can be made is understood. By removing financial losses arising out of different types of situations that can affect the property, casualty insurance helps the policy holder to mitigate financial losses, provide for the family and also get back to normalcy in the shortest possible time after a disaster has struck.

What is the importance of Property Casualty Insurance?

It is important for every house owner to have property casualty insurance as it plays a vital road when a sudden casualty affects their property causing financial problems. Those who own two or more properties and have rented out a flat or a independent home will find this particular insurance to be of much assistance if a damage makes the property unlivable.

Property Casualty Insurance Company

  1. State Farm
  2. GEICO
  3. Progressive
  4. ALLstate
  5. USAA

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Home Insurance providers

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This type of insurance is also a must for people who own commercial properties as it will protect them from so many difficult financial situations that can arise from damage to such structures. Property casualty insurance, home insurance are quite affordable and you can quickly avail a policy online in just minutes.

Check out this First American Property and Casualty Insurance Group

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How Does Mortgage Life Insurance Work?

What is mortgage life insurance?

Mortgage Life Insurance, as the name suggests, is a policy deemed to clear off the balance of your mortgage, when you expire. Our home is one of the major assets of our life.

What is mortgage life insurance?
What is mortgage life insurance?

But when one of the earning members of your family passes away, the balance pay-out of the mortgage goes to the mortgage lender, and your family is relieved of the burden of dealing with the same. This ensures that the family doesn’t lose their abode in case such a mishap occurs, and the family is not left estranged!

How does Mortgage Life Insurance function?

At the commencement of the insurance, the value of the coverage must be equal to the outstanding payment of the mortgage.

The termination date of the policy should same as the scheduled date of the final payment of the outstanding mortgage amount. The insurance company hence calculates the rate at which the coverage must annually depreciate in order to equalize with the outstanding mortgage repayment.

If the client has failed to repay the amount, the company would still adhere to their prior schedule and not adjust with the outstanding debt amount. This policy also works in case the client is diagnosed with an acute disease.

The positive aspect of the Mortgage Life Insurance Policy

This policy comes with some major benefits if you sign up for one:

Reduced hassle of mortgaged house: In case of any mishap such as death of the earning member, the insurance takes up the burden of repaying your leftover mortgage amount. The insurance gets activated in such cases, and your family does not need to worry about the huge burden of the mortgage and have the house to themselves.

Death is not a necessity for this insurance: Unlike other senior life insurance policies, most of the mortgage insurance functions in case the client is severely sick or is diagnosed with some acute disease.

Family security: Just as mentioned before, the family can continue staying in the house as the senior life insurance company takes up the responsibility to repay the remaining amount. If the mortgage is a major part of your finance it is wise to take up this policy!

Negative aspects of the policy

The insurance benefit decreases: Although the premiums are fixed, the pay-out is fixed to the principle of the mortgage. Hence, the policy value depreciates as the mortgage is repaid. This provision is unlike other life insurance.

The lenders are more benefitted than the borrowers: The family will not be able to see any finances from the policy. The repayment of the outstanding amount is the only benefit received by the family. The beneficiary is the lender, and, on your death, bank receives the pay-out of the insurance, which is used to repay the mortgage.

It is much more expensive: Initially the coverage received by the client is equal to the premiums paid by him. However, as time passes by, the coverage decreases considerably. Hence, it can turn out to be much costlier than other insurances!

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Types Of Deaths Not Covered By Life Insurance

Types Of Deaths Not Covered By Life Insurance

Life insurance is a must today because it provides much-needed compensation when an earning family member is no longer able to provide financially due to severe disability or has passed away.

Types Of Deaths Not Covered By Life Insurance
Types Of Deaths Not Covered By Life Insurance

It enables the policy holder’s loved ones to get on with the rest of their lives, enabling them to carry out various financial obligations thus coping with the difficult circumstances that they have to now face for the rest of their lives.

Situations Under Which A Claim Cannot Be Made On Life Insurance Policy

Before signing up for a life insurance policy, it is vital for the policy holder to know about inclusions and exclusions to policy clam as only then there will be no confusion at the time of making a claim.

When a policy holder passes away, a claim can be made by loved ones on his or her life insurance policy and payout is made by the insurance company based on the cause of death. However, there are certain causes of death that cannot be used to make a policy claim. In case the policy holder passes away due to drug influence or alcohol consumption, the insurance company will reject claim.

Check out this : Easy to get funeral cover for parents over 80

This will also happen if passing away is caused by smoking habit which was not declared at the time of policy sign up. If the policyholder is someone who likes to indulge in adventure sports, like car racing, paragliding, skydiving, hiking, once again no payout can be gained.

Which type of death is covered in term insurance?

When the policy holder has a transmitted disease like HIV/Aids no compensation can be availed. In case the policy holder is affected by critical illness, a claim cannot be made on the policy for expenses airing from treatment and separate policy has to be purchased for this purpose.

In the event of policy holder passing away due to hazardous activities such as mixing chemicals, experimenting with dangerous substances else has inflicted injuries on him or herself or taken an overdose of medical drugs, claim cannot be made on the policy.

When the policy holder passes away due to natural calamity such as floods, earthquake etc, payout cannot be obtained. Situations like suicide is not covered by life insurance and hence no compensation is given to the surviving relatives.

What is not covered in my life policy?

In case the policy holder was pregnant and death was caused due to complications related to this condition, once again policy will not payout. In case death of policy holder is due to involvement in criminal activity, payment once again will not be made.

In the event of the policy holder passing away, leaving behind mortgage payments, life insurance policy cannot be sued to make the mortgage payment. It is to be noted that life insurance is meant to give protection to your loved ones, in the event of an unexpected situation wherein they face difficult circumstances.

Coverage from the policy offers ample assistance in coping with the financial losses arising from this problem. However it is to be noted that there are certain circumstances in which the policy will not pay and knowing about them helps determine beforehand if a claim has been made.

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Top Facts to Know about Life Insurance for Depression before Application

Top Facts to Know about Life Insurance for Depression before Application

Today many people show that they are suffering from some form of mental health problem or another which cause health issues. Consequently when someone with depression is trying to get insurance, they will be told that they are a high risk category and that premiums are going to be very high.

Life Insurance for Depression
Life Insurance for Depression

Some insurance companies do not provide insurance to people with depression while others offers it based on certain criteria which must be satisfied by the applicant.

Questions Posed To Applicants Seeking Cover With Depression

Companies offering insurance for depressed people ask a lot of questions because they want to find but how much of a risk the applicant is before issuing a policy. In case of those with mild depression, the premium charges are nominal.

However,  for those with severe depression, who are taking depression medication or who have been hospitalized due to it, the rates are very high as they fall under the high risk category. Here is a look at the list of questions likely to be asked by life insurance providers for those seeking cover with depression:

  • What are the symptoms experienced and whether the applicant has been affected by mental illnessess other than depression?
  • Has the applicant taken time off work or has quality of work become affected due to depression?
  • How often does the applicant experience periods of depression and how long does each period last?
  • Have the applicant sought medical treatment for the problem and if so, what type of treatment has been taken?
  • Is the applicant still receiving treatment or has the problem been dealt with and  no bouts of depression have been felt since the last treatment session
  • Did the applicant get hospitalized due to depression and if so why and when?
  • Is there a history of depression in the family?
  • At any point of time did the applicant contemplate suicide?

Important Points To Keep In Mind For Life Insurance To Cover Suicide

It is to be noted that insurance companies offering a life policy for people with depression issue a policy only after finding out their complete medical history. So, when they look at this history and find out that the applicant has been diagnosed with depression but not taking treatment, the rates charged are high. On the other hand, if the history shows that the applicant has taken the situation seriously and undergoing treatment sessions, taking pills regularly etc, the rates come down.

Life Insurance For Depression Sufferers

When the insurance company asks questions about depression it’s vital for applicants to give honest answers because they can find out the truth. If they find out any lies, they will charge more rates that otherwise.

In case any information on the depression problem has been hidden in the event of any incident by which the policy holder passes away, the beneficiary will not get enough money or might even be denied settlement on account of fraud behind the cause of the incident.

Can you get life insurance with mental illness?

Today, it is vital to take a life insurance policy to bring more security into your life. However, it is to be noted that there are many factors to consider when there are mental health issues involved.

So, if you are having depression and want to take out a policy, look specifically for companies who can offer it at the best rates and check out their conditions for policy issue and opt for a policy when you can be satisfied with them. 

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The Hope Program, Its Features And How To Avail It

The Hope Program, Its Features And How To Avail It

Imagine a situation wherein you have purchased a lovely home on loan and at the time of purchase, your job was steady, hence you felt that the loan could be easily repaid.

The Hope Program, Its Features And How To Avail It
The Hope Program, Its Features And How To Avail It

However, in the course of a couple of years, the job fell through and are now forced to sell the house by foreclosure. However, you are expecting a new job or a source of income by which you can pay the loan amount by at a reduced rate. What can you do under the circumstances? Look into the HOPE program.

Hope Program And Eligible Criteria

Hope for Homeowners (H4H) program or HOPE is a loan program that is offered by the FHA to help homeowners who are distressed repay their loan and avoid a foreclosure.

It helps to refinance your loan, so that you can keep the house and comes to assistance when there is simply no other means of paying the loan amount right away. As part of this loan program, you must surrender to the government 50 percent of the home’s equity as only then can you get the loan amount and keep the house, thus avoiding foreclosure.

Eligibility : Hope Mortgage Program

  • The property that is facing foreclosure must be your primary residence
  • You should not own any other home, so if you happen to get rental income from a vacation home, don’t bother about applying
  • You must not have done anything illegal in the past ten years or convicted for any crime during that period
  • You should be able to show that income is very small and you are having difficulty in paying the mortgage amount every month
  • As part of the process o availing this loan, your home will be appraised. The appraiser will determine the exact value and condition of the property based on which the amount of loan that can be sanctioned to you can be determined.
  • It is to be noted that this program will not allow you to get 100 percent amount on the value of the property. It will only give you 93 percent of your home’s value.

When you get a loan through the HOPE program, you will also get a mortgage insurance premium, which has to be paid along with the loan repayment amount every month.  Its purpose is to settle the entire loan should a situation arise whenever you are unable to make premium payments.

Legitimate rent to own programs

By applying for the HOPE program also known as the HOPE mortgage program, you will be able to live in your dream home and do not have to face the difficult prospect of putting it up for sale in the market.

Low income home loans for single mothers

The process of getting the loan is very methodical and by following it correctly, you can be sure of getting the finance necessary to pay of the original mortgage loan, and take out one in which the monthly premium amount is less. Hence your problems in having to pay a huge amount of money every month is gone and replaced by a lesser amount that can be borne better.

Official Website:
http://www.thehopeprogram.org/

Check out Home Insurance Quotes:
http://myseniorlives.com/category/home-insurance/

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Life Insurance For Seniors Over 88 to 95?

Benefits Offered By Life Insurance For Seniors Over The Age Of 88

Today, rising costs are of high concern particularly for the elderly. You might have been able to manage some expenses in your sixties, but they would have risen manifold by the time you entered your eighties.

With no means to work for a living at this age, you need to rely on available sources of retirement income to make a living. Investing in senior life insurance policy is an option available today for those in their 80s and 90s and surprising at it may sound it helps to solve financial needs arising during this period of time.

Life Insurance For Seniors Over 88

Life Insurance For Seniors Over 88 to 95
Life Insurance For Seniors Over 88 to 95

Importance Of Life Insurance For People Over 85

The main question that arises now is…. How can someone over the age of 88 get a life insurance policy? Insurance companies recognize such needs now more than ever due to the growing rate of prices. 

By offering senior life insurance for people in their 80s or over the age of 85, what they see is an opportunity to give people in their very senior years of life the chance to invest into something fruitful, through which their dependents can get significant returns. It is to be noted that life insurance for seniors over the 85 mainly covers their final expenses, which can be considerable in today’s times.

Can’t Loved Ones Provide For An Elderly Person In Their 80s?

Loved ones who look after a person above the age of 80 or 90 are at times at their wit’s end due to the heavy demands on their finances to look after them. Usually it is medical expenses that bog them down, but if the elderly person were to suddenly pass away, they are left with heavy final expenses which they are unable to cope with suddenly.

It is specifically such drastic needs that life insurance for seniors above 88 addresses.Usually when an elderly loved one passes away what happens is that their dependents have to deal with the many expenses that were left behind.

These can be personal, debt and most importantly medical bills. Loved ones who spend hundreds of dollars on such essential expenses, find that there is reduced availability of finances for final expenses which are really high today owing to rising costs. However, if a senior life insurance policy had been taken, compensation for final expenses can be availed through it thus reducing their burden considerably.

Can someone over 80 get life insurance?

It is to be noted that life insurance for seniors at 88 will not require medical examination and can be availed fast. However for the first two years, there will be no compensation to loved ones from the policy.

Effects of the policy come to the fore from the third year by which in the event of the policy holder passing away, dependents gain benefit. This policy can also be used to slowly build wealth for them so that loved ones have a certain amount of money available to meet their expenses when they are in a situation in which they cannot longer be provided for by the policy holder’s income.

Main benefit. This policy can also be used to slowly build wealth for them so that loved ones have a certain amount of money available to meet their expenses when they are in a situation in which they cannot longer be provided for by the policy holder’s income.

Senior Life Insurance Policy With No Medical Exam

There are many companies that offer senior life insurance policy but specifically ask them about plans for people over the age of 85,88,90,92 etc. You will find many to have plans for people of such ages, giving exactly the kind of response required in terms of coverage and pricing. Avail now so that huge medical bills can be eased with quick compensation from the policy.

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Does Life Insurance Cover Suicide?

A Look At Whether Life Insurance Covers Suicide

After a certain age it is vital to take a life insurance policy because so many family members will be depending on you for their financial needs. In case of sudden passing away, who will be there to protect and provide for them?

They have to manage so many money obligations right away. It is in this context that coverage from life insurance come to be of help. It pays out to meet those financial needs that cannot be coped up suddenly when the family bread winner is no more.

Does Life Insurance Cover Suicide?
Does Life Insurance Cover Suicide?

Does Life Insurance Pay If The Policy Holder Has Committed Suicide?

Life insurance pays out under the critical circumstance of the policy owner no longer being present to provide for loved ones, who are already having a very difficult time emotionally in dealing with the heavy loss.

Money from the policy can be used to settle medical bills, debts, children’s education fees and much more. However, payment can be availed only if the policy holder dies due to a disease or an accident. Does suicide come into the picture here? No.  No payment is given to loved ones if the policy holder passes away because he or she committed suicide.

However, there are exceptions to this rule as can be seen when insurance companies pays out when the policy holder dies due to drug overdose.

Life insurance for depression Sufferers

In this context, though it was due to he or she taking too much of drugs that the situation happened, still it was not intentional. The insurance company considers such a case as that of accidental suicide and so makes a payout to the policy holder.

In the event of the insurance company offering suicide rider, the life insurance company will pay out in the event that the policy holder passes away due to suicide in the first two years of purchasing the policy. Why?

This rider is provided with the intention that the policy holder will not think or try to commit suicide so that beneficiaries get paid. Benefits of this rider come into effect only if the policy holder passes away after two years of purchasing it and not before. If passing away of the policy holder happens due to self inflicted harm, within two years of policy purchase, no payout happens.

How Do Life Insurance Policies deal with Suicides, Anxiety and Depressions?

What about physician assisted suicides? In such situations, the life insurance company does not make a payout if the policy holder passes away within two years of making policy purchase. However, if the physician assisted suicide was availed after the two year period, the policy will certainly make a payout.

It is to be noted that self-inflicted harm to end one’s life is very grievous and loved ones will certainly feel more burdened by the thought of having to be provided by a policy that pays out for such a situation.

However, it is only under certain situations that such payment is made which should be noted by every individual when making life insurance policy purchase.

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A Look at the Top 10 Medical Insurance Companies In The USA

A Look at the Top 10 Medical Insurance Companies In The USA

Various medical companies in the US vie with one another to give the best plans to people. Out of them a couple stands out from the rest due to their affordable health insurance plans and wide range of policy benefits.

Top 10 Medical Insurance Companies

Here is a look at the top 10 medical companies in the USA:


Top 10 Medical Insurance Companies In The USA

1.Blue Cross

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One of the top companies is Blue Cross, which is unique for the wide number of plans that it offers and also its various customization options. Easy reordering of medication through the company site and a free wellness program that offers discounts are its attractive features.

2. Aetna

Aetna is a prime medical insurance company offering some of the most attractive plans at very nominal rate. Take a look at their plans for people who are more than 55 years of age and you will find them to be certainly lower priced than what you see elsewhere.

3. Cigna

Cigna is yet another prime medical insurance company offering a wide range of attractive plans at very affordable rates. Their key feature is simple but effective policy plans, which offer a host of benefits to people.

4. Humana

You will find Humana to offer a wide range of attractive policies which cover everything ranging from a routine checkup to something as big as an emergency surgery. As it supports the ‘Accountable Care Payment Model’, bonuses are given to doctors to keep patients healthy.

5. United Health Care

Look into United Health Care to get a comprehensive policy which offers a wide range of coverage benefits at the lowest cost. Their policies offer a host of attractive features through which different types of discounts and reductions can be availed for treatment.

6. Centene

Another company that offers good insurance plans is Centene. Providing the most attractive coverage benefits, it’s clear to see why it has net sale worth more than 16 billion annually. Their affordable plans come with variety of options and the most essential coverage benefits which help pay policy holders much needed compensation during difficult situations.

7. Well Care health plans

You will find Well Care health plans to be highly attractive as they offer a host of benefits like none other. The company offers insurance through Medicaid and Medicare Health Plans as well as Medicare Prescription plans. Its net sales in 2017 crossed 374 billion, which shows the popularly of its low cost insurance schemes.

8. Molina Heath Care

Molina Heath Care offers a variety of affordable medical insurance plans for individuals and families. It primarily offers the government insurance schemes Medicare and Medicaid and its aim is to give insurance coverage benefits to people with the lowest income levels.

9. Kaiser Permanente

One of the most attractive medical insurance providers is Kaiser Permanente which offers a wide range of benefits for individuals as well as policy holders. Some of the features of their polices are highly attractive offering good value for money and good coverage benefits.

10.Health Care Service

Health Care Service organization is one of the oldest insurance companies in the US, offering comprehensive policies through its BlueCross and BlueShield plans, for individual, families and groups.

Get A Health Insurance Quotes
Get A Health Insurance Quotes

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