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Cicero |
$238000 |
Listning Date: |
04/07/08 |
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Elmwood Park |
$284900 |
Listning Date: |
05/02/08 |
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Chicago |
$229000 |
Listning Date: |
12/20/07 |
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| Life Insurance |
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| We all recognize the importance of life insurance. After all, we want to make sure that our loved ones are taken care of when we die. But before you run out and purchase a policy, do some research ahead of time. That way, you'll be sure to get the best possible coverage at the right price. Many financial experts consider life insurance to be the cornerstone of sound financial planning. It can be an important tool in the following situations:
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| Health Insurance |
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| Health insurance plans generally fall into one of two categories: indemnity plans (also known as reimbursement plans or free-for-service plans) and managed care plans such as health maintenance organizations (HMOs), preferred provider organizations (PPOs), and point of service (POS) plans.
• An indemnity plan allows you to choose your own doctors and pays for your medical expenses--totally, in part, or up to a specified amount per day for a specified number of days. These plans generally assume that the medical professional will be paid a fee for each service provided to the patient. Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.
• Managed care plans generally provide broader coverage, but they all involve an arrangement between the insurer and a selected network of health-care providers (doctors, hospitals, etc.). For example, an HMO will require that a primary care physician in the network coordinate all of your care and refer you to specialists in the network. More than half of all Americans have some kind of managed-care plan. Various plans work differently and can include: health maintenance organizations (HM0s), preferred provider organizations (PPOs) and point-of-service (POS) plans. These plans provide comprehensive health services to their members and offer financial incentives to patients who use the providers in the plan.
No matter which type of health insurance you buy, you'll need to make sure it offers the right kinds of coverage.
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| INSURANCE ONLINE |
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| Click Here to fill out our form and we will contact you as soon as possible. read more... |
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