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There are literally hundreds of individual medical health insurance plans available today from a whole variety of different companies but choosing the wrong plan can end up costing you an arm and a leg. So how do you go about selecting the plan that is right for you?

Surprisingly enough the first thing you need to do is to forget about the cost of a plan and begin your search by deciding just what type of individual medical health insurance plan you need.

There are three main types of health insurance plan available today.

For many years the indemnity, or fee-for-service, plan dominated the market and this is the plan that most will recognize as it is a traditional form of insurance.

Rather like car insurance, an indemnity health insurance plan is not designed to cover everyday expenses but provides cover for accidents or unexpected illnesses and, in most cases, gives the policyholder a wide degree of freedom when it comes to deciding where to go and who to consult for treatmen (more...)

Insurance is one of the necessary evils we face in this great country and we all surely pay too much for this service. There are hundreds of different combinations of insurance and each person needs to make sure that their policies are working in their best interest and not just making the insurance company a fortune.

The three main forms of insurance are health, automobile and homeowners. Each policy has different rules and procedures and you can get these three from thousands of insurance companies. The one thing they all have in common is that you are probably paying too much for your coverage.

Auto Insurance
Coverage You Need:
1. Liability- this covers bodily injury and property damage that may occur during an automobile accident that is your fault.
2. Comprehensive- pays for any damage that may occur to your automobile that is not the result of an accident, i.e. fire, fallen tree.
3. Collision- covers any damage to yours and any others vehicle in the result of (more...)