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Health Insurance Quotes For Children Only Question & Answers

2015 January 26
by Sarah Fields

Robert asks…

How can we help the families of the Amish kid’s that are still in the hospital?

I’m pretty sure that they don’t have health insurance. Those hospital bills are going to be huge, so does anyone know how to go about helping them or where I can go to find out how to help them?

Sarah Fields answers:

This is a quote from http://news.yahoo.com/s/ap/20061005/ap_on_re_us/amish_school_shooting :

Though the Amish generally do not accept help from outside their community, King quoted an Amish bishop as saying, “We are not asking for funds. In fact, it’s wrong for us to ask. But we will accept them with humility.”

The same article previously gave an address for that purpose, but I notice the address has been removed from the article. I know there has been a fund established.

According to this source http://www.freerepublic.com/focus/f-news/1712843/posts “Donations to support the families affected by yesterday’s tragedy may be directed to the Nickels Mines Children Fund at:

“Coatesville Savings Bank 1082 Georgetown Road Paradise, PA 17562 Phone: 610-384-8282″

“Their Web site is www.coatesvillesavings.com and there will be a place on the site shortly for electronic contributions to be given.”

“The families are grateful for your continued thoughts and prayers during this difficult time.”

I believe that is the bank that was mentioned earlier in the news article.

Susan asks…

Where can I Find Reliable Cheap Life Insurance Quotes?

I recently started a home internet based business. When I was just starting out I went without insurance for a while. Now that things are going well I would like to buy a life insurance policy.

There are a ton of life insurance sites, but most of them seem biased or focused on an individual provider. Where can I find a good life insurance quote site that is unbiased or gives me quotes from a wide array of services?

Also, are there any good tips for saving money buying life insurance for small business owners?

Sarah Fields answers:

As a life insurance agent who deals with insurance day in and day out I appreciate your frustrations from looking at thousands of insurance sites.
Try this site

http://free-best-life-insures-comparator-usa.blogspot.com/

Here you can get quotes from different life insurance companies in your area, its the best way to find an affordable life insurance with a reliable company.

The following are five of the most common mistakes consumers make when buying life insurance.

1. Selecting term life insurance solely because it’s cheap.
Shopping for life insurance by just comparing premiums is asking for trouble. You should compare company ratings to determine financial strength and policy features, such as convertibility options. While the policy’s premium is certainly a factor, ensuring that your policy matches your financial goals is more important.

2. Not understanding that term life insurance is temporary.
That’s why it’s called “term” insurance — because you buy it for a set period of time, most commonly 20 years. This is fine for a temporary need, such as insuring yourself until your mortgage is paid off or funding your children’s college expenses in the event of your premature death.

A 20-year level-term life insurance policy you bought when you were 30 would expire when you’re only 50. At that point, you still might need to carry insurance, but your age and health conditions might make it impossible or very expensive to do so. At least, if your policy has a convertibility option you can get coverage, it just might be down right unaffordable.

3. Buying from a less-than-stable insurance company.
Don’t be afraid to ask about an insurance company’s ratings. You can also look for an insurer’s Standard & Poor’s, Moody’s or A.M. Best ratings on the Internet.

There are many insurance carriers with high financial ratings (A+ or better) so you shouldn’t have to buy insurance from a lower rated company. But, keep in mind that ratings can and will change, so ratings alone shouldn’t be your only consideration.

4. Buying life insurance coverage based on a set formula.
You may have heard that a good rule of thumb is to buy life insurance coverage equal to 10 times your annual salary or 10 times your beneficiary’s annual financial need. The idea is that if your surviving beneficiary invests the life insurance proceeds in the stock market (getting an average 10 percent annual return), they’ll have a steady income stream and never need to tap the investment principal.

While this formula isn’t a bad place to start, everyone has different needs, so don’t assume that 10 times your salary is what you need to carry in life insurance. The best advice here is to sit down with a knowledgeable agent that will take the time to learn about your needs.

5. Failing to regularly review your policy.
Is your former spouse still the beneficiary of your life insurance policy? Did you buy term insurance to cover you while you pay off your mortgage? If you refinanced during the latest rate drop and restarted the clock on your loan, you might also need to update your insurance term. Life definitely has a way of throwing changes your way. Just make sure your life insurance changes along with you.

Also when shopping on the internet for insurance be careful of sites that are there purely as lead generators because these sites just sell your informations. But, there are plenty of legitamte and trustful site on the internet than one can purchase insurance.

You can tell the good from the bad by taking these steps.
1- do not put information in a from unless you actually get a real quote.
2- look for site that have a phone number with real agents that answer the phone.
3-If the sites says get quotes from multiple agents then the site is selling your information as a lead service.

Sites like http://free-best-life-insures-comparator-usa.blogspot.com/
can serve as an excellant resource to start your online life insurance shopping. They have agents that you can speak to or email. You can get quotes from over 140 companies with a robust data base.
They are many sites like these but you have to do you research. Like anything else there is the good and bad and the internet is the best place to start your search.

Daniel asks…

How do you get health insurance ONLY for kids, not adding on to parent’s plan?

I don’t qualify for CHIP. My work insurance is great for singles, ok for married couples, terrible for families. We had insurance with Texas Children‘s Hospital for our kids and it was fantastic. Great coverage for low rates. So of course they are stopping offering the plan. I keep going to rate quote sites, but they demand I be on the plan. Can’t you just insure your kids?

Sarah Fields answers:

Blue Cross and Blue Shield offers individual policies for children.

If you are lower-income, it is possible that you and your kids or maybe just your kids could be covered through a state program. Visit the link below, which takes you to the Center for Medicare & Medicaid Services. In section 1 click on your state, and in section 2 click on “State Medical Assistance Office,” leaving the rest of the sections blank. This will display the Medicaid office for your state, which should be able to advise you on available health insurance programs and eligibility requirements.

Http://www.cms.hhs.gov/apps/contacts/

If you need to compare prices (which I’m sure you do) check out the link below.

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