The Protection of iPhone Insurance

Having an iPhone insurance policy might one day prove just as useful to you as your iPhone itself.

Why?

Of course, to most of us, insurance probably is not as naturally interesting a subject as the iPhone. Your iPhone insurance policy will typically sit in your files or inbox doing absolutely nothing month after month - so much so that you may even forget it is there.

However, all that may change in the blink of an eye if you are unfortunate enough to suffer:

· the theft of your iPhone; · its destruction or serious damage, due to an accident; · its breakdown outside of the manufacturer's warranty period; · its accidental loss (cover typically available as an optional extra).

Then, suddenly, your iPhone cover is going to seem very important to you indeed.

If you are unlucky and your iPhone breaks down within the manufacturer's warranty period, then that is something you should typically progress with the retailer.

However, in the case of accidental damage (including liquid damage with some providers); loss (if you have optional cover); theft; or malfunction outside the manufacturer's warranty period, then:

some policies provide cover through the idea of replacement - in other words, if your claim is approved, the gadget insurance provider will make arrangements for a replacement iPhone to be with you within 48 hours; the same policies may also offer international cover so that you can be a little more confident about taking your iPhone overseas with you.

To be entirely sure that your cover is in place, you may typically need to comply with a few basic conditions including, perhaps, things such as:

· not leaving your iPhone unattended unless it is locked away and secure; · not tampering with it, as damage caused by your efforts to modify or fix it may not be covered (that may also include fitting accessories); · not lending it to people - as that may also invalidate your cover in some cases.

Of course, as with any insurance product, terms and conditions, exclusions and limitations will apply and you may wish to read these carefully to ensure you understand them.

Nobody seriously doubts that the iPhone has defined new standards for chic style and powerful functionality. Unfortunately, with that comes price and few people would describe the iPhone as being cheap.

It therefore represents, for many people, a big chunk of capital.

Taking steps to protect that investment may seem a sensible thing to do and that is where iPhone insurance may be able to play a part in helping you achieve that.

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How to Save Money With Supplemental Insurance

Health Insurance Premiums Too High?

If you are purchasing health insurance with a fairly low deductible and comprehensive coverage, you are surely paying a lot for it. If you buy a private major medical plan, you have to pay the whole deductible. But even if you get group benefits at work, you may have some choices. By taking the lower deductible option, you are probably agreeing to contribute more of the premium every month. Is there a way to make sure you family is well covered, but still pay a bit less?

Supplemental Health Insurance May Help

If you can purchase a supplemental health and accident policy, in addition to major medical, you may be able to tailor a great solution. Now all policies are different, and you will have to choose from products that are on the market in your area or allowed by your company benefit plans. But many supplemental health and accident policies actually pay cash for covered health issues. That cash can help you cover deductibles and copays, and it can even be used, sometimes, to pay for some things that a major medical plan does not even cover.

Look at an example. Let us say you purchase major medical with a $1,500 yearly deductible. That means that you will have to pay the first fifteen hundred dollars of your medical expenses every year. Most plans start covering at some percentage after that deductible is used up. Let us say your plan pays 80% up to a yearly maximum of $5,000. After that, the major medical plan kicks in at 100%.

An Example Accident With Major Medical Only

In our example, one of the covered family members breaks his leg. This requires a trip to the emergency room and then a few visits to an orthopedist for treatment. We will say the ER visit cost $2,000 which is not an unreasonable assumption. Four visits to an orthopedist for treatment cost $600. So the total bill is $2,600, which does not even include the time lost at work, transportation, etc.

The insured person has to pay the first $1,500, assuming they have not used any of their deductible yet. The insurer agrees to pay eighty percent of the next $1,100, which is $880. So the insured person will still have to pay another $220, bringing the total bill to $1,720.

So far, in this very typical example, the insured person has paid more than the insurer for a common accident.

Our Example With Supplemental Health Insurance And Major Medical

But what if they had actually paid less for a major medical insurance policy with a $2,500 deductible and supplemented that with an inexpensive supplemental accident insurance policy that paid out $2,500 in cash for an accident?

The insured person would only have to come up with $100 out of pocket, and since they had already reached the yearly deductible in this accident, they would not have to worry about it if they needed more medical services later in the year.

Now keep in mind that this is just an example. The numbers I used are from some typical major medical and accident policies, but may not represent an actual case. That all depends upon what types of health insurance plans are marketed in your area or workplace. However, it should give you a starting point to understand how supplemental health insurance can work well for you!

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The Benefits Self-Employed Individuals Can Get From a Cancer Insurance Policy

As a form of supplemental insurance, a cancer insurance policy fills in the gaps of standard health insurance. It reinforces the financial protection already enjoyed by the insured individual and provides added peace of mind. Typically, cancer insurance is considered more of a luxury or even an unnecessary expense. For some people, however, the policy offers the great advantages that make the policy well worth the purchase.

One of the benefits enjoyed by employed workers is the standard issue health insurance policies given to them by their employers. Self-employed individuals are usually not as medically or financially protected. For those who believe they run the risk of being diagnosed with cancer, it may be a good idea to consider getting cancer insurance.

People who are prone to cancer are usually those who have a long family history of cancer-related illnesses and deaths. Cancer treatment in itself can cause a heavy financial burden. Self-employed people are likely to exhaust their income and living expenses, even if they are already insured by a standard health insurance carrier. Traditional insurance providers commonly do not cover incidental costs. Cancer insurance, on the other hand, can cover the out-of-pocket costs that result from getting treated.

Just because it is called a cancer insurance policy does not mean it only covers different types of cancer illnesses. Intensive care unit coverage and at least twenty more serious diseases and health conditions can be covered by some supplemental health insurance plans. Examples of these dreaded diseases include typhoid fever, cholera, malaria, multiple sclerosis and the West Nile virus.

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What is Medicare Advantage and Why Do I Need it?

All you need to know about Medicare Advantage

Medicare Advantage Plans are also known as Part C plans and constitute a section of Medicare Programs. Your health care that is covered by Medicare can be obtained when you opt for this plan. The coverage for prescription drugs which are a part of Part D plans may also be covered under this plan or you can register in a separate Part D plan to receive the prescription drugs coverage.

The inclusions of the Medicare Advantage Plan are:

HMO (Health Maintenance Organizations) PPO (Preferred Provider Organizations) PFFS Plans (Private Fee-for-Service Plans) SNP (Special Needs Plan) MSA (Medical Savings Account) Excluding the Special Needs Plan (which requires a health questionnaire), there are no questions about health asked for the other plans.

All people who are eligible for Medicare will be accepted. Regardless of any health ailments, excluding End Stage Renal disease, people can register for this each year when the enrollment period opens. People who have eligibility for Medicaid and Medicare can enroll for this plan anytime during the entire year. Every time you get medical treatment or visit a hospital or a doctor, there is co-pay involved. There is a cap on the annual put-of-pocket expenses from your end, but this does not always apply.

The Health insurance card you receive with your health care plan can be utilized when you join the Medicare Advantage Plan too. More often than not the benefits and co-payments options are much better when compared to your Original Medicare Plan. People who have opted for HMO or PPO plans should obtain the services of the doctor or the hospital that is listed under the net work provided if they want to avoid high out-of-pocket expenses. Under the Private Fee-for-Service Plans, you can get the services of any doctor or health care provider who accepts Medicare terms, conditions and assignments.

You must possess the Part A and Part B plan of Medicare if you want to enroll in the Medicare Advantage Plan. The Part B plan's monthly premium also should be paid to Medicare. Added to this, to  get the additional benefits offered by the Medicare Advantage Plan, you will also have to a pay a monthly premium towards it. Based on where you are located, you can also avail the facility of $0 monthly premium Medicare Advantage Plan and even get a part of your Part B premiums reimbursed. There are certain plans that are designed to cover dental and visual costs for inpatient services, doctor's tests, hospital fees, skilled nursing, outpatient fees and many others. There are health club memberships also that are included under certain plans.

The Medigap plan will cease to work if you enroll for the Medicare Advantage Plan. There will be no co-payments, cost sharing or deductibles that will be paid by your health plan. Though, as per law you have the right to hold on to your Medigap policy, you might want to consider dropping it when you opt for the Medicare Advantage Plan.

As always, to save on Medigap plans, compare Medicare quotes before enrolling in a specific plan.

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The Security Provided by Supplemental Insurance

Our health is our precious wealth. We only have one life and most of the time, we do not get second chances. But the good thing is, that we can do much to prevent something disastrous from happening. There are many things that we have no control of even if we are the ones in charge of our mind and body, but there are also things that we can do to stay healthy - exercising daily, participating in sports, eating healthy and living a balanced life.

However, one fact cannot escape us all -we can get sick. No matter how healthy, clean and responsible we are in terms of our health, there is still a probability that we will get sick. So how do we counteract this problem?

While there could be many ways to cushion the effects of illness, one of the most reliable ways is to get a Medigap policy. Health insurance is very important for all of us not only because our environment is getting dirtier and polluted everyday but also because we are only human beings who are prone to all kinds of diseases.

The average life span of a person in the U.S. nowadays is 78 years old. And it cannot be denied that during our life here on earth, there will be unexpected circumstances that will come our way such as hospitalization. Our health then does not become our only concern because our finances will be fast catching up. What will happen to us if we are hospitalized and we do not have enough cash to buy medicine or pay off our hospital bills?

Acquiring a supplemental health insurance like Medigap is a wise decision. We all know that medicare does not pay off one hundred percent of the hospitalization expenses we incur while being confined. With a supplemental health insurance, we can be eased of our financial burdens significantly.

Stress is the number reason why most people get sick and just thinking about our loved ones who do not have a health insurance supplement policy can already add up to our daily tensions. Prices of commodities are going up and medicine and doctors' fees are not an exception. However, with a supplemental health insurance policy, our financial burdens are greatly reduced. What is so good about Medigap is that it is light on the budget and the benefits you can have far outweigh every penny that you pay. Keep in mind that buying an insurance is also an investment.

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Medicaid and Medicare Beneficiaries Advantage Plan Options

If you are enrolled in both Medicaid and Medicare, you are considered to be a dual eligible individual. Your health benefits are coordinated between Medicare and your State's Medicaid program. It is important to know that, as a dual eligible individual, you have some choice when deciding on a Medicare Plan.

There are Special Needs Medicare Plans available for certain categories of individuals, including those that have both Medicaid and Medicare. A special Needs Medicare Plan is a type of Medicare Advantage Plan that is offered by a private insurance company. Insurance companies that offer Medicare Advantage Plans contract with and are approved by CMS (Centers for Medicare and Medicaid Services) to administer your Medicare Plan.

There are three types of Special Needs Plans (SNP)

Dual eligible Special Needs Plans for those with both Medicaid and Medicare Chronic Illness Special Needs Plans for those with qualifying chronic illnesses. Institutional Special Needs Plans for those confined to a nursing home.

Part D Medicare Drug Plans are included in all Special Needs Plans. If you are dual eligible and have both Medicaid and Medicare, your co-payments will be subsidized and the Medicare Drug Plans generally will not require a monthly premium. In general, if you are enrolled in both Medicaid and Medicare, you will not pay a premium for your Special Needs Medicare Advantage Plan.

But if you have both Medicaid and Medicare, and Medicaid only allows for partial benefits, you may want to discuss your Medicaid status with your insurance agent to make sure a special Needs Plan is right for you.

The benefits of choosing a Dual Eligible Special Needs Plan

If you have both Medicaid and Medicare, a SNP may allow you more benefits than what you would otherwise have. Many include dental, vision, gym memberships, as well as transportation benefits to and from medical appointments. SNPs for those with both Medicaid and Medicare are generally network-based plans and may afford you some provider options that you otherwise may not have available. If you qualify, you are not subject to the enrollment periods that limit most people who would like to enroll in or change Medicare Plans. Part D drug plans are included in the SNP and you will only have to interact with one customer service department, should it be required.

Medicare Advantage Plans generally offer benefits beyond what original Medicare offers. As a dual eligible individual, you have the right to explore your options. Enrolling in a Special Needs Plan for people with both Medicaid and Medicare may give you more freedom of choice and some benefits you would otherwise not have available.

Athletes at Risk   3 Reasons You Should Consider Supplemental Cancer Insurance   Medicare Supplement Insurance - How is it Priced?   New 2010 Modernized Medicare Supplement Plans   What to Watch Out for in Medicare Supplement Coverage