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A good health insurance plan is one of the most important things you need to have for yourself and for your family. But what should a good health insurance plan consist of?

It can be a bit of a challenge today to find the right insurance plan for yourself and your family because of the diverse options available. However, when you are choosing a good health insurance plan, don t simply base your decision on the cost of the monthly premium.

Know the details of the health insurance plan - what it covers and what it doesn t cover. Also find out the health insurance plan s in-network as opposed to out-of-network coverage and expenses. What are its co-payment amounts, deductible amount per family member if applicable, and the coverage caps?

Understand what your needs and your family s needs are when you are deciding on what health insurance to get. Should the health insurance plan cover just you or should it cover you and your spouse? Should it cover you and one child or do you need a healt (more...)

Worker s Compensation Insurance for construction-related framing contractors has always been expensive. Danny Harter, owner of DH Framing already knew that much because he faithfully carried this insurance in order to work in legal compliance with State insurance requirements. But what Danny wasn t expecting - to be suddenly cancelled by his Worker s Compensation Insurance carrier - happened in November, 2004 - all because “out of the blue,” his insurance carrier simply decided that his company was “too small” for their interest. Danny had two employees, including himself, and a weekly payroll between $1,500 and $2,000.00.

Danny was notified of his cancelled workers comp policy when the client he was busily working for one morning, came up to him and said, “You can t work on this job - I ve got a notice here that you don t have valid Worker s Comp Certificates with your insurance carrier anymore.” How embarrassing!

Danny obviously lost time on the job, and (more...)