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There are many people in America today who are either unemployed, employed part-time or going to school and still desire health coverage. If you are healthy, then carrying short term medical insurance would be something to consider. It can be a viable option for people who are in transition or who cannot afford COBRA. There are individual or family plans that cover you for as little as thirty days or for as long as six months.

It is important to understand just how these plans work, and what they do and do not cover. Most plans will let you visit any doctor or specialist you prefer but they will also usually require pre-certification. Due to the low cost of these plans, they generally do not cover items that fall under preventative care, such as physical exams, immunizations, and PAP tests. Since it is geared toward healthy individuals, pre-existing conditions are not covered in a short term plan nor are the treatments associated with those conditions. Also, if you have filed any claims under a pre (more...)

Cheap full coverage car insurance is a dream come true, isn t? You get all the coverage available at a rate that won t break the bank. Unfortunately, there are factors that can prevent you from finding full coverage car insurance at a cheap price. Some factors are easily fixed, and others require a little elbow grease and patience.

Pay in full for your car. When you buy a new car, even if it s used and just new to you, you might be tempted to finance it, i.e. get help from a bank or other lender. While this is a normal part of the car-buying process, it s not necessary if you save the money to pay for your new car in full. Sometimes full coverage car insurance rates are higher if you don t own your car outright. Plus, when you own your car outright you can opt for your state s minimum car insurance requirements should your financial situation get tight.

Clean up your driving record. Full coverage car insurance is more expensive than liability car insurance. Since car insurance companies chec (more...)