In this article, we will discuss "get health insurance tips for students" . Education is very important to us.Sure, Everybody want to reaches and get education till highest level. Nevertheless sometimes, that education is desisted because finance factor, especially to the much expense that must spent if the student fallen sick and required high expense when cure to hospital. Also can be more seriously, if the parents fired from their jobs because recession
"As a society, we don't do a good job educating people, especially college students, about health insurance," said Sam Gibbs, senior vice president at eHealthInsurance, which operates a Web site (www.ehealthinsurance.com) where you can compare insurance policies.
Here are some tips for students who may need health insurance:
-University-sponsored plans. Interestingly, many schools do not mandate that students carry health insurance, although all schools highly recommend it. Toward that end, some schools offer health care coverage during the school year, typically including the price of a policy in the tuition. Many plans cost less than $300 a year, and provide coverage for routine costs.
However, Lookout Mountain noted, only 15 percent of university-sponsored plans generally comply with coverage standards set by the American College Health Association. Among the drawbacks: low caps on what's covered before you're on the hook, little or no protection against catastrophic situations, and no coverage after the school year ends, meaning there could be gaps in insurance protection..
-The family's policy. Many companies roll children off plans once they reach 18 unless they are college students, and even then, class enrollment must be verified. Review the coverage for emergencies and routine illness. If your student attends college out of state, for example, know whether your plan charges more for services that could be considered "out of network," said Gibbs.
-Individual policies. Often overlooked, but these insurance policies can take care of your student for $50 a month in premiums. For that, you get major medical coverage, including a drug plan. Again, scrutinize the details. Look at deductibles, out-of-pocket costs, and what conditions the plan may not cover.
-Part-timer plans. Some large employers provide insurance for part-time employees - coverage worth considering if your student is holding down a job while hitting the books. Another option: temporary insurance plans that provide coverage for up to a year, which may be what a December college graduate needs while hunting for a job.
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Get health insurance tips for students
Tom brokaw accident
Today, we get sad news about Tom Brokaw accident. Tom Brokawa as NBC newsman and his wife was got a three car accident on a new york city highway.They are lucky, Tom Brokawa and his wife was escape , but this accident has killed one woman and injured a mail truck driver this afternoon. The Brokaws say a woman driving an SUV apparently lost control while trying to avoid a spool of cable. She was killed.
“The Tom Brokaw were in the far left lane when they noticed a spool of cable bouncing along the far right lane. Just then, a green SUV in the right lane came up fast and tried to avoid the cable. The driver lost control of her vehicle and slid into the middle lane, forcing a mail truck into the Brokaw lane of traffic.
“As the mail truck careened into the Tom Brokaw lane, Tom Brokaw hit the brakes hard and skidded along the median.
When the mail truck catapulted the median the Brokaw vehicle slid into it. Neither Tom nor Meredith were injured but tragically the driver of the SUV was thrown from her vehicle and killed.
“Tom Brokaw and Meredith are greatly saddened by this loss of life.” We wih the tom brokaw accident won't happened again to them or happened to us
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tom brokaw accident, tom brokaw, amanda knox,brokaw accident
Why do you need car insurance policy ?
When you have a car, especially the first time have a car, you must be thinking how to maintain and make your car more beautiful and attractive rather than getting an insurance policy. Yes, insurance policies are not one thing that will be your main priority, but you must know that having an insurance policy is a duty for all people who drive a car. This is already regulated by law and is not applicable in one country alone, but also applies in more than fifty countries in the world.
In these regulations say that if you are caught driving without have car insurance policy, you'll get charge penalty amount hundreds of dollars , and the one thing you need to know if you have an accident and you do not get to have an insurance policy so your driving license can be suspended, although you are not fault in that accident.
Why have rules about having an insurance policy was put in place?
This is actually very concerned with the State to protect citizens from traffic accidents which can cause death and destruction for the driver of the car and others. Thus, the car insurance policy that aims to protect the lives, your property and others.
Now the question is, how to get a cheap insurance policy and the best? You can read in this blog or can find it on google.com.
The important of auto insurance comparison
Auto insurance comparison from many auto insurance company is very important to us. With know how to compare an auto insurance , not just one aspect like cheapest but with compare many aspect, we can get the cheapest auto insurance also can cover as your current policy. To compare an auto insurance is not difficult and very easy, these days many good auto insurance quotes can access online. You can compare them directly by visit their web. The things you must look for and compare , I write it in this article.
These are a few things to look out for:
* The level of excess (the amount you must pay towards any claim)
When you’re carrying out your car insurance comparison, you may well find the cheapest car insurance quote has the highest level of excess. While this may help you save up front, if you need to make a claim it may not seem like such a good buy when you suddenly need to find the money to pay that high excess.
* Courtesy car
Another way of cutting premiums is to leave out some of the benefits most of us would expect as standard – like a courtesy car. If your car needed to be taken away for repair following an accident, how would if affect your daily routine if you had to rely on your family, friends or public transport? Churchill includes a courtesy car at no extra cost when you use one of our approved repairers. Or for an additional monthly premium, you can have an enhanced courtesy car, which means the replacement vehicle will be a car in a similar size to your own, up to a 'Class F' hire car or small van. This is great if you need more space for example, on the school run or if you use your car for business.
* Optional cover
If you’re making a car insurance comparison against your renewal quote, check whether you have any extra cover included with your current policy, for example legal expenses or breakdown cover. This may sound obvious, but it’s easy to forget which options you chose 12 months ago when you’re searching for a new car insurance quote.
How to claim your car insurance if you get accident
If you get accident, you must know the way how to claim your car insurance. If you know the way how to claim your car insurance, you can repair your car and get claim quickly and easy. Generally car insurance company can receive and process your claim in 24 hours.
You know, the accident will happen suddenly, so you must prepare and always bring all things below in your car to make easy and quickly when you make a claim . You must prepare:
* Pen and paper
* First aid kit
* Torch
At the scene, If you find yourself in an accident you must do :
* Stop! You must stop after an accident by law.
* You should check to see if anyone is hurt and if needed call an ambulance.
* If there has been an injury, you need to tell the Police and get an incident number.
* Providing it is safe to do so, you should not move the cars before an independent witness (if one is available) has noted their positions.
* Even if you feel you are at fault do not admit liability at the scene as the auto insurance company will take care of this for you.
You need to exchange details with those involved including:
* Name, address and phone number
* Vehicle make and model
* Registration number
* Insurance company
* Policy number
* Write down details of the accident and draw a sketch map of what happened. If you have a camera, take photos.
* Take a note of the names, addresses and registration numbers of any witnesses.
* If your car cannot be driven, the car insurance company will usually arrange for it to be taken to the nearest suitable repairer with our 24 hour accident recovery service.
How to make a claim to your auto insurance company :
* After an accident, you need to tell an auto insurance company as soon as possible, generally an auto insurance company have a 24 hour claim line to make easy your contact to them
* The auto insurance company will then talk you through what happens next and take the details of your claim over the telephone.
* After that, the auto insurance company will tell you where your nearest recommended repairer is and organise for them to contact you.
* Alternatively, you can have your car repaired at another garage but you must make sure we approve an estimate before having repairs carried out. Please do not take your car in for repairs before we have approved the estimate.
* Please don't forget you will be required to pay any agreed excess as shown on your Schedule.
As the claim proceeds you should follow our recommendations to make the claims procedure as quick and simple as possible. Keep all receipts and copies of any letters linked to your claim.
How to choose best auto insurance company
Auto insurance is absolutely necessary for you who has own vehicle. Auto By joint in the insurance, it will provide more safety and comfort while you are driving. You will void from worries feel when your vehicle got accident and got heavily damaged , fear stolen or robbed people, or vehicles damaged by natural disaster, etc.. But to get excellent auto and professional insurance companies, you need tips and tricks, also need preparation , so you will note auto be disappointed because the insurance company does note want to responsible and doesn't pay your claim.
The following tips below, I hope can help you auto when you joint in insurance at first time. Here are the tips to get excellent and auto professional insurance company :
- Auto Be careful from insurance companies that can give you cheap premium rates. Auto Sometimes there are insurance companies that expense consumer service and facility to attract the interest to get many consumers.
- Read carefully the coverage claim you will get. This is related at all with the desire and ability to prospective customers ace we do.
- Find more information how many and how extensive auto network of insurance services they have . If they have extensive network, it will make you easy and quickly when you loss your vehicle or get damage to your vehicles. If they only have note many network area, if you get accident, it will have a lama time to repair because lama you have to wait for the insurance enterprise to your place.
For other tips how auto to choose insurance company, you will get in my next posting. Please, keep watch and be patient.
