A federal student loan consolidation program allows a consumer/student who has more than one student loan (undergraduate and/or graduate studies) to merge some or all of the loans into one single loan, usually with better overall interest rates, terms and conditions. Before discussing in detail the process of student loan consolidation it is important to […]
Stateside Insurance Services frequently receives inquiries from Texas consumers requesting catastrophic coverage. Catastrophic Texas health insurance coverage is a policy that will provide financial protection from medical bills considered extraordinary or extremely high. However, what the consumer is typically looking for is the lowest premium possible while believing the way to accomplish the goal is […]
So much of pre-65 health care involves medical underwriting (for now, anyway). One welcomed benefit to Medicare Medigap is that for most people, it will be guaranteed issue regardless of health as long as you meet certain requirements. Let\’s go over the most common of these to make sure we do not lose these windows […]
Stateside Insurance Services frequently receives inquiries from Texas consumers requesting catastrophic coverage. Catastrophic Texas health insurance coverage is a policy that will provide financial protection from medical bills considered extraordinary or extremely high. However, what the consumer is typically looking for is the lowest premium possible while believing the way to accomplish the goal is […]
First, let\’s save some times for people who are just looking for coverage just for a single person. This benefits of an embedded deductible in certain California health insurance plans will not apply to you. By default, the embedded deductible deals with plans that have multiple family members on on policy. Two is good but […]
The basic concept of coinsurance, also known as percentage participation, is that the insured member and the insurance company share the risks of health care expenses. In Texas health insurance, this usually translates into the insurance company paying a certain percentage of your health care expenses, while you pay the remaining percentage. The coinsurance provision […]
In the past, the Arizona health insurance carriers have provided several different options for the consumer to make his or her premium payments. Payments could be made on credit cards, on monthly bank drafts or with a paper bill. These options are being narrowed down as the insurance companies try to cut the administrative cost […]
Designating the beneficiary of a Texas life insurance policy should be simple. A consumer selects a life insurance policy and applies for the coverage. During the process a beneficiary is designated, and the life insurance carrier issues the policy. Most policy holders believe that the entire process ends when the policy is issued and there […]
States have the power to regulate insurance brokers and agents. This is because the insurance business is basically one of trust. Arizona health insurance agents are not dealing with a tangible product when they sell an insurance policy. A insurance policy is not like a used car where you can kick the tires and look […]
Texas health insurance carriers set the due date for premiums typically on the first day of each renewal period. Some policies will renew on any other given day of the month prior to the 29th. Renewal dates cannot be assigned on the 29th, 30th or the 31st because these dates do not occur in every […]
