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Even if you think you can t afford health insurance, there are some options available to you. Health insurance companies have put together new plans to help fight the high cost of health care insurance in Michigan and the rest of the Country.

Michigan Health Insurance Plans

Many large health insurance companies such as United Health Care, Humana, Prudential, and Mega Life, just to name a few, have put together high deductible insurance plans combined with an (HSA) health savings account. These new plans feature higher deductibles in exchange for lower monthly premiums.

With HSA insurance coverage you must meet the annual deductible amount before the policy begins to pay. Policies typically pay 80% to 100% of medical care costs after the deductible has been met. Deductibles are from $1100 to $5000. Preventive care is usually included with these new health plans and most require you to use in-network providers.

The idea is that with a smaller monthly premium you can afford to put (more...)

Only the foolhardy boat owner doesn t have insurance, particularly some third party cover in case of personal injury or property damage through accident or collision. The standard insurance form varies little from one company to the other. You ll be asked questions about the design, registered number if there is one, construction, type of motor, the rig, what equipment and accessories are on board, the sails, mast, standing and running rigging and so on.

With motor boats you ll be asked details of the engine, whether it is turbo charged, what fuel it uses, and very importantly, what sort of extinguishers are on board and when they were last serviced. The insurer naturally wants to be certain their risk is as little as it can possibly be.

When it comes to accessories it pays to be very careful indeed to list all that you have on board. List the serial number and sums insured on as many of the items as can be insured - items such as personal effects, fishing gear, cameras, binoculars and trans (more...)