Helpful Tips That Can Lower Your Health Insurance Premiums

Helpful Tips That Can Lower Your Health Insurance Premiums
By : Joe Stewart

The number of families without health insurance in the United States has nearly reached epidemic proportions. Unlike our parents, who were able to receive health insurance through their employers, our generation doesn't have that luxury nearly as often because most employers now simply cannot afford to provide it.

This means that individuals and families are forced to either try to purchase insurance through a private source, such as Blue Cross/Blue Shield, possibly qualify for State assistance, if they happen to meet eligibility requirements or simply risk having no health care coverage at all.

There are some ways that people may be able to lower their insurance premiums. The best way to do this is to begin by getting a free health insurance quote, either online or by calling an agent. Online is faster because you can cover a lot of ground in a short period of time.

You'll be able to lower your monthly payments (premiums) by raising the amount of your deductible. You pay the deductible costs out of pocket up to a maximum amount per year. These deductible amounts are set at different levels. Example, $250.00, $500.00, $1,000.00, $2,500.00, $5,000.00, ect.

The higher the deductible amount is set, the lower your monthly payment will be. This means that you will have to pay the deductible amount out of pocket before the insurance coverage "kicks in".

An example would be as follows. A family of four has an annual deductible of $1,000.00. They all visit the doctor for an annual check-up that costs $150.00 each. This totals $600.00 and does not exceed the $1,000.00 deductible, therefore it must be paid for out of pocket.

However, let's say that one of the children has an accident at school and breaks their arm. In this unfortunate event, they would have hospital expenses that would exceed the remaining $400.00 that is unpaid on their deductible, therefore they would generally only have to pay an additional $400.00 out of pocket and the insurance would pay the remaining costs.

There may be other smaller costs that the policy may not provide for such as ambulance services, prescription drugs, ect., but the majority of the hospital care would generally be covered.

Joe Stewart Is A Former Health Insurance Agent. He's Made Understanding Health Insurance Easy For Others.

You Can Learn More About Health Insurance And Get Free Health Insurance Quotes For Individual And Family At His Website TheHealthInsuranceGuys.org or by clicking on Family Health Insurance Quotes

Article Source: http://EzineArticles.com/?expert=Joe_Stewart

Health Insurance - The Role Of The Broker

Health Insurance - The Role Of The Broker
By : Donald Saunders

For many people, seeking health insurance is a daunting prospect with a number of companies to choose from each offering a range of policies which can be both complex and difficult to decipher. For this reason it is often wise to employ the services of a broker to match your needs to the right health insurance company and policy.

Having chosen a broker it is a simple matter of giving him your medical details, including details of such things as any pre-existing conditions from which you are suffering and medications you are currently taking, and a list of the things that would wish to see covered in your policy. The broker then looks at a variety of companies and different policies and comes back to you with his recommendations.

Once you have had a chance to study these, and to ask any questions that you might have, the broker will then work with you to get your health insurance contract signed and your policy issued.

It is important to understand that a health insurance broker works independently and is not employed by any particular health insurance company.

His job is to study the health insurance market and to acquaint himself with the full range of cover available, as well as with how each insurance company operates including such things as its reputation, the frequency with which it increases premiums and the manner in which it handles claims.

Although the broker is independent it is also important to understand that he makes his money by way of a commission each time a contract is completed and that his commission will vary from one insurance company to the next.

You may well feel therefore that it is in his interest to recommend a policy to you which earns him the highest commission. If this is something that concerns you then you should discuss this with the broker. If he is a sound and reputable broker he will have no difficulty in discussing this openly with you.

Despite the fact that the broker will be earning commission from the sale of your policy, which effectively comes from your premiums, it does not necessarily follow that a policy purchased through a broker will be more expensive and you will usually find that the same policy purchased directly from the company will cost you exactly the same amount as money as you will end up paying in buying through a broker.

In addition, a broker will often be able to find you a deal which you are unlikely to uncover on your own simply as a result of his knowledge of the marketplace.

Surprisingly, perhaps because the rules on health insurance are constantly changing, health insurance brokers are fairly thin on the ground. In addition, most states require health insurance brokers to be licensed and the licensing requirements vary from state to state.

If you feel confident about seeking out your own health insurance policy and are happy that you can understand the technicalities of a health insurance contract and the details of the small print then all well and good. But, if this is not the case, then a health insurance broker could turn out to be your best friend.

Whether you are looking for a standard low cost health insurance plan or a more specialized form of medical insurance such as an interim health insurance plan then the best place to start your search for a suitable broker is right here on the internet. http://bluecrossinsurancetoday.info

Article Source : http://EzineArticles.com/?expert=Donald_Saunders

Finding Low Cost Health Insurance - Options And Ideas

Finding Low Cost Health Insurance - Options And Ideas
By : Judy Wellsworth

Why are there so many Americans who are uninsured? Because it costs too much. It's really that simple. Independent contractors and small business owners often forego getting their own health insurance plans, hoping nothing happens that could ruin their business and put them in the poorhouse. And, the growing number of Americans living before the poverty line couldn't afford health insurance if they wanted to.

There are some ways to get low-cost health insurance if you need to. We can all stand to save a couple bucks, but for some of us it's a necessity. Here are some ideas to help you get low cost health insurance.

Individual Health Insurance Plans

Everybody knows that you can save with group insurance plans, but not everybody knows that the average cost of individual plans is dropping. This is because more and more people are choosing individual plans because of the flexibility they offer, and that is forcing health insurance companies to be more competitive.

Go With An HMO

An HMO, or Health Maintenance Organization, is a way to get insurance on a fixed budget. Think of it as a health insurance package deal. The HMO has a network of physicians that you can choose from. If you need to see a specialist or go to the hospital, they can refer you to one that is also under the same HMO plan.

HMOs are usually affordable, and they offer you a fixed price, so you don't have to worry about premiums changing. They also handle all the claims and paperwork for you, so they make the whole process easier.

The disadvantage of HMOs is the lack of flexibility. You have to go to the same doctor, and any doctor or hospital visits outside of your HMO will not be covered.

More Alphabet Soup - PPOs

A PPO is a Preferred Provider Organization. PPOs work just like HMOs but with a little added flexibility. For an extra cost, PPOs allow you to visit healthcare professionals outside of your chosen doctor when necessary. These plans are becoming more popular than HMOs in recent years because of the choices offered to carriers.

Fill Your Insurance Gaps With COBRA

COBRA is a program designed to allow those who have recently lost their insurance to stay on it until they find something new. It is ideal for those who have left their jobs, or who were covered under their spouse's insurance but were recently divorced or widowed. With COBRA, you can maintain your current plan for up to 18 months until you get a new health insurance plan.

Let The Big Guys Lend A Hand

There's no shame in seeking government assistance when you are in a tight spot. Think of you and your family's well-being. When you're really scraping bottom, there are a variety of low cost health care programs such as Medicare available.While these programs do not offer the same high quality coverage as a good health insurance plan, they will help cut down your medical expenses when you need them.

Health insurance is expensive but necessary. The number of Americans with no coverage at all is shocking. Don't be intimidated by the high price; there are always ways to find low cost health insurance.

You can also find more info on Cheap Health Insurance and Health Insurance Companies. www.medicalhealthinsuranceguide.org is a comprehensive resource to get help about health insurance.

Article Source : http://EzineArticles.com/?expert=Judy_Wellsworth

Blue Cross Blue Shield Health Insurance - Do Not Be Left Without Coverage

Blue Cross Blue Shield Health Insurance - Do Not Be Left Without Coverage
By : Michael Benifez

Blue Cross Blue Shield Health Insurance is one of the oldest, most established health insurance companies in the country. This company has been providing health insurance to generations of Americans and its customer base grows more and more each year.

I am secure in the knowledge that my family and their health is protected since I have a Blue Cross Blue Shield Health Insurance policy.
I wish I could say this was always true. For a number of years I worked as a bartender and had no insurance coverage whatsoever.

I was a nervous wreck that any accident or fall would put me in tremendous debt because I had no way to pay any hospital bills. Without my Blue Cross Blue Shield protection, I found myself not going to the doctor's, no matter how sick I was because I could not afford the price of a visit.

On one occasion, I hurt my ankle tripping over something in the dark. Even though it hurt a lot, I went home on it and saw that it was twisted and badly sprained. But there was no way I could go to the hospital without Blue Cross Blue Shield health insurance.

I had already learned that lesson the hard way. The last time I injured myself and went to the emergency room, I incurred an incredible debt. The cost of an emergency room visit is incredibly expensive, and so I have to make payments on this debt that I still owe.

At the time, I felt I could not avoid going to the hospital. I had a bad case of strep throat and If I was not treated with antibiotics, I would not be able to go to work. As a bartender, not going to work meant not getting paid. Even though I knew the visit would be very expensive, I had no choice but to go to the hospital and then try to work out a payment plan for the visit.

I was in a cubicle for a total of ten minutes, and the visit cost me $200. That worked out to $10 per minute. Since I do not make $60 an hour, I knew I could not afford to do that again. That experience really made me realize that I literally could not afford to be without Blue Cross Blue Shield Health Insurance.

To add insult to injury, besides charging me for the room, the hospital charged me for every little thing involved in the visit, including the antibiotics, of course, but also for such items as the gloves the doctor wore when he examined me.

Spending five dollars for one pair of latex gloves made me determine to start looking for a Blue Cross Blue Shield Insurance Plan that I could afford. I have never regretted that decision.

Michael Benifez reports for http://www.lifeinpalmcoast.com/, covering world of finance, mortgage loans, refinancing and insurance in Palm Coast, Florida and Flagler county.

Article source: http://EzineArticles.com/?expert=Michael_Benifez

An Instant Health Insurance Quote Takes the Hassle Out of Finding Affordable Health Insurance

An Instant Health Insurance Quote Takes the Hassle Out of Finding Affordable Health Insurance
By : Arturo Ronzon

Nowadays the medical expenses are escalating steeply, and to protect yourself and your family, you will need to look for cheap health insurance plans.

In order to obtain the most affordable health insurance quote, you need to shop around. The best place to start comparison shopping is the internet. The internet provides rapid and easy access to a wide selection of insurance companies that offer insurance plans which suit your financial plan.

Instant health insurance quotes can be obtained online by filling out a simple application form. You may be asked to put down some fundamental information about your own and your family’s medical history and current health status in order to make the process simpler and faster. A number of companies will be listed, and then you can pick and choose.

After you get your quotes, scan through the list and select a handful that appears as though they might suit your health care needs and fit your budget as well. Then go over these carefully and ascertain the cover that each plan provides. Many people tend to be sidetracked by the coverage that the plan provides, and overlook the monthly payment that needs to be paid.

A higher coverage does not necessarily justify the payment of exorbitant premiums. A coverage that you are not likely to use is not worth spending for. Prioritize your needs in order to streamline the coverage options. Take care to understand the deductibles involved. Find out how much you need to pay yourself, and for how long, before the company takes over the burden of the entire medical bill.

It is a good idea to find out the period of time that elapses before the insurance company settles a claim. This is imperative, because certain companies tend to delay the reimbursement. Compare all the policies to find out which plan is giving you the cover you require at the price that you can afford to pay.

In your bid to obtain the cheapest health insurance quote, you should not compromise with factors like reliability and reputation of the insurance providing organization.

In order to be sure that the scheme you are buying is not some scam to cheat you, it is advisable to read the history of the company from the company’s website, and also to go through reviews of existing members. Various sources are present in the internet to provide these data. Also, you should ensure that the insurance plan you are buying covers all the possible medical expenses that you feel you and your family might need.

Want to learn more about Health Insurance Quote?, feel free to visit us at: http://www.health-insurance-land.info/

Article Source: http://EzineArticles.com/?expert=Arturo_Ronzon

Affordable Health Insurance - Health Insurance For The Self Employed

Affordable Health Insurance - Health Insurance For The Self Employed
By : Carrie Reeder

One of the things that is important to consider when you leave corporate America for the freedom of your own business is affordable health insurance. In fact, the reason most often cited for NOT taking the plunge into self-employment is the lack of cheap health insurance alternatives for people who are not employed by a company that can offer more affordable rates on health insurance through a group health insurance plan.

If you do decide to brave it and be your own boss, there are many places where you can cut corners. Letting yourself or your family go without health insurance isn't one of them. Here are some common options that can make health insurance affordable if you're a self-employed entrepreneur or crafter.

Coverage under a Spouse's Plan

By far the most common option is to cover the family for health insurance through a spouse's employer. As long as one member of the couple is working for a company that has a group health insurance plan, it's usually the cheapest option for insuring the entire family.

COBRA

COBRA is an option for the beginning of your self-employment. For the first several months after you leave your job, your employer is required by law to give you the option of retaining membership in their health insurance plan. You will have to cover the entire monthly premium paid by your company rather than the amount that you're used to paying as an employee when your employer was covering part of the cost. The true cost of that insurance can come as a shock to you - a family health insurance through a group can easily cost close to $1000 a month. It's still more affordable than most plans that you can purchase as an individual. It's also only temporary, so you should be looking for other health insurance options while you're still covered.

A Health Insurance Cooperative with Other Self-employed and Small Business Owners

There are national and local organizations of self-employed workers who have banded together to combine their buying power and get affordable health insurance premiums through group policies. You can find more information about groups in your area through the National Association for the Self Employed (www.nase.org) or the American Association of Home-Based Businesses (www.aahbb.org).

Group Health Insurance for the Self-Employed

In many states like Maine, health insurance companies offer affordable group policies for groups of one. You may have to shop around to find a company that does, but there are benefits other than being a cheaper policy. The most important of these is that they MUST cover everyone in the group, regardless of health conditions. This is important for someone who may have been turned down for an individual health insurance policy because of health.

No matter what, it is vital that you insure yourself and your family against the possibility of illness or accident. There are cheap alternatives to individual health insurance plans for the self-employed.


Carrie Reeder is the owner of eZerk, an informational website with articles and the latest news about various topics.

Article Source: http://EzineArticles.com/?expert=Carrie_Reeder

Affordable Health Insurance

Affordable Health Insurance
By : Tony_Robinson

Like many other people have done before me, I recently left my regular job to start my own business. This is a challenging step for someone who values comfort and security, who likes knowing that a paycheck will come every two weeks regardless of his employer’s own business success.

Perhaps the biggest problem in becoming self-employed is the loss of non-monetary benefits an employer often provides; namely, medical coverage. It was very challenging to find affordable health insurance after becoming self-employed.

Many companies offer low-cost policies, so it should be easy enough to find some minimal coverage if that is all you desire. However, I wanted more; I wanted coverage for everything from routine checkups to prescription medications to major surgeries. This can be more difficult to come by.

I learned a lot from my search that might be useful to others. First, I learned to look paste the initial price quote. While it is very tempting for the self-employed to base all decisions on money alone, medical coverage is a very complex thing, and the value of an insurance plan can change drastically from provider to provider. Learn to compare policies according to what you actually get out of them and you will find a much greater value overall. Second, I learned that companies offering low monthly premiums often require you to pay huge deductibles in the event of a hospital visit.

One can always simply hope that a hospital visit will not become necessary, but that just adds another worry to the self-employed person’s mind. Finally, I learned that finding affordable health insurance means reading the policy in detail. It is important to know exactly what is and isn’t covered so that hidden charges don’t pop up later on. Many policies look good in the broad view but can be costly and ineffective in practice.

Self-employed people are always struggling to find affordable health insurance. However, I believe that any small business owner owes it to him or herself and his or her family to carry medical coverage at all times. Affordable health insurance is not a myth; all it requires is your investment of a little time and energy in comparing policies and finding the one that is truly right for you.

Article Source: http://ezinearticles.com/?expert=Tony_Robinson

Health Insurance Plans Frequently Asked Questions

Health Insurance Plans Frequently Asked Questions
By : Oliver Turner

1. How important is it to have a health insurance plan?

A. It is vital to have health insurance coverage. A health insurance provides insurance coverage against medical costs like hospitalization, medicines, treatments, preventive treatment, immunization etc. for this you have to pay a monthly premium to the insurance company. When you claim a bill you usually have to pay a deductible and co-insurance.

2. What is a deductible?

A. Deductible is the part of the bill that you have to pay and the rest is paid by the insurance company. for instance if the deductible in your health insurance plan is 100$ and if your medical bill comes to 2000$. Then you have to pay 100$ and the insurance company will reimburse you 1900$.

3. What is co-insurance?

A. Coinsurance is the percentage of bill which you have to pay. For instance if the coinsurance in your health insurance plan is 10%. Taking the earlier example you have to pay 100$ deductible + 190$ coinsurance. The rest 1710$ will be reimbursed by the insurance company.

4. Which is better family health insurance plan or individual health insurance plan?

A. Family health insurance plans work out cheaper as group insurance is cheaper than individual health insurance.

5. What is the difference between Indemnity plans and Managed health care plans?

A. Managed health care plans are cheaper as they provide the medical care through a network of doctors/hospitals who provide treatment at a concessional rate. However if you visit a doctor outside the network you have to pay the deductibles and co-insurance. There is less paperwork in managed health care plans and you don't have to pay the bill upfront. The doctor claims the costs from the insurance company. Indemnity plans are comparatively costlier but provide the flexibility of visiting any doctor or hospital you desire. You have to pay the bill yourself and then claim the costs from the insurance company.

6. What is the difference between basic and comprehensive coverage?

A. Basic coverage provides insurance cover for medical costs like hospitalization and surgery etc, whereas comprehensive coverage provides insurance cover for preventive medicines, routine visits, hospitalization, surgery, medicines etc. However comprehensive coverage is costlier.

Article Source : http://www.ezinearticles.com/?Health-Insurance-Plans-Frequently-Asked-Questions&id=579405

Find more about Health Insurance on http://www.LeanderNet.com/Health_insurance/Health_insurance.php . More useful content on LeanderNet - http://www.leandernet.com/

Getting a Good Dental Plan

Getting a Good Dental Plan
By : brainbox

When you get a job with a company that offers dental and health insurance plans, it can very easy to only select the bare minimum coverage to prevent the deduction of too much money from your paycheck. Some people even opt not to take either insurance, or only one, to save even more money. This strategy can and will only end up costing you more money in the long run.

Sign Up For Full Coverage Most companies that offer dental and health insurance plans do so after ninety days, or some other probationary period. This is to ensure that the money spent on the plans isn’t going to waste on employees that may not last. The ones who stay, however, are rewarded by the offering of benefits. Dental and health insurance plans are usually set up on a group plan, which means you get discounts and better rates as a corporation, as opposed to the rates you’d get as an individual. That’s why it’s a very good idea to sign up with whatever dental and health insurance plans your company sets in front of you.

When signing up with the dental and health insurance plans, sign up for the best coverage you can afford. Sure, the money is being taken out every month from your paycheck, but if you think about it the insurance plans are actually saving you money.

Especially if you have children, you have to realize all the money the average person spends on health care. There are doctor’s visits, physicals, there are the times when you or your family fall ill, there are broken bones, there are toothaches, root canals, and more. All of the above could happen at any time, and you’d better be prepared for it. Good dental and health insurance plans should cover the above ailments. That means that, even with all those doctor visits and medical bills, you could end up saving thousands of dollars merely by having a little money taken out of your check each month.

It may seem a shame to have that money taken out when you feel fine but you have to realize that anything can happen at any time. You need to have dental and health insurance plans in place in case the inevitable happens. Medical and dental bills can be outrageous but they don’t have to be. So, sign up with dental and health insurance plans and make sure you and your family are protected for whatever life throws your way.

Article Source:www.superfeature.com
To learn even more about getting an affordable dental insurance plan and other tips go to www.dentalinsurance-plans.com For information on teeth whitening products and simple things you can do to keep your teeth white go to www.teethwhiteningtalk.com

How to Get the Best Individual Health Insurance Quote Online

How to Get the Best Individual Health Insurance Quote Online
By: Brian Stevens

Looking for health insurance? Want to know where to get the best individual health insurance quote online? Here's how ...

Individual Health Insurance Plans

The first step in getting the best individual health insurance quote is to have a basic understanding of each plan so you can make an informed decision about which is right for you. Here are the pros and cons of the most popular plans:

HMO (Health Maintenance Organization)

This plan sets you up with a network of health care providers which you must use when you're ill.
Pros - This is the cheapest plan with the least amount of paperwork. Copayments are cheap, usually $5 to $15 per doctor visit.
Cons - You can only see doctors within your network, and you must first visit your designated primary physician who will either treat you or refer you to a specialist.

PPO (Preferred Provider Organization)

This plan also sets you up with a network of health care providers.
Pros - You may see a specialist within your network without getting permission from your primary physician and you may see physicians outside your network by paying a fee.
Cons - Costs slightly more than an HMO. If you see a non-network doctor you may have to pay a deductible or pay the difference between the network doctor's fee and the non-network doctor's fee.

POS (Point-of-Service Plan)

Like HMOs and PPOs this plan sets you up with a health care network.
Pros - You may see physicians outside your network, but it will cost more than seeing an in-network physician.
Cons - If you don't receive permission to see a non-network physician you may end up paying the entire bill.

Article source: www.goarticles.com
The author, Brian Stevens, is a former insurance agent and financial consultant who has written extensively on getting the best individual health insurance quotes online.
Visit www.LowerRateQuotes.com/health-insurance.html or click on the following link to get individual health insurance quotes online from top-rated companies in your area and see how much you can save. You can get more health insurance tips by going to their "Articles" section.

10 Things to consider when choosing a Health Care Plan

10 Things to consider when choosing a Health Care Plan
By : Jimmy Wild

You have decided it’s time to buy health insurance and it can be a very daunting task to figure out everything. Here are 10 of important factors you should consider when you choose your next health care plan.

Learning about things is what we are living here for now. So try to get to know as much about everything, including health insurance whenever possible.

Make the best use of life by learning and reading as much as possible. read about things unknown, and more about things known, like about health insurance.

1. Let’s start with the most important one first, doctors are the backbone of any health care plan and you will have to consider a few things before you grab that health care plan. If you have a family doctor that you have had for many years or someone you really trust than you will have to be sure that an continue seeing him or if you have to chose one from the listed health care providers who are on the plan you are considering. You may also have to consider whether there is a doctor close enough to where you live.

2. Pre-Existing Conditions can cause a lot of confusion because a lot of times people take this part of the health care plan for granted. Many times people don’t realize they must check and make sure how the plan deals with pre-existing conditions or they could be left out in the cold. Every insurance carrier has different pre-existing conditions that are covered so checking into that will be very important for you to do.

3. Specialists for certain medical conditions are another very important factor you may want to look into. If you use a specialist now you will want to see if he or she is in the network of approved specialists. If not, you may have to look for new one. Not every health care network will cover this in their insurance.

Thinking of life without health insurance seem to be impossible to imagine. This is because health insurance can be applied in all situations of life.

4. Emergency Care is probably one of the most important things you will need to check out. In today’s fast paced world more and more people are using emergency rooms instead of visiting their doctors. The word emergency can also get you into some trouble with your health care provider. Not every person and health care plan define emergency the same way so finding out what is covered is crucial.

5. Check ups and Physicals are usually given yearly but sometimes more often. If you getting these done often most health care plans cover them but some don’t so be sure to check into that. If you have kids you will want to make sure they are covered for checkups too.

6. Exclusions can be a gray area if you don’t have a list to go over from your health care provider. Exclusions can vary by carriers so finding what is in your plan will be very important.

7. Costs are another very important factor to compare. Once you have all the plans in front of you comparing the costs of each plan and what they offer could be the most important decision you make about your health care future.

Saying that all that is written here is all there is on health insurance would be an understatement. Very much more has to be learnt and propagated bout health insurance.

8. Prescription Drug Coverage has become one popular part of any health care plan. In today’s world prescriptions can get very expensive so coverage for this kind of medicine is extremely important. Most health care providers have co-pay for prescription drugs and some are free or at a very reduced rate. Some will pay for generic medicine and some won’t, all these all very important factors for you to consider.

9. More services are given under certain health care plans. Some of these extra services will be of no use to you; however some of them are ones that you will want to have. Some of these are mental health, nursing homes, and drug treatment to just name a few.

This is the counterpart to our previous paragraph on health insurance. Please read that paragraph to get a better understanding to this paragraph.

10. OB-GYN coverage is another important part of any health insurance plan especially if you see an obstetrician often. If you’re also considering fertility treatments you will also have to look into that when you go over your coverage. Finding out how much you will have, as an out of pocket expense is very important when you are considering OB-GYN coverage.

Even if you are a stranger in the world of health insurance, once you are through with this article, you will no longer have to consider yourself to be a stranger in it!

We find great potential in health insurance. This is the reason we have used this opportunity to let you learn the potential that lies in health insurance.

When you look at health insurance coverage there are a lot of factors you will have to consider before you can make that decision. Never rush into any decision without getting all the information you can get. Take your time and you will make a good health care decision.

Article Source: http://www.superfeature.com
To view our recommended sources for health insurance, or to read more articles about health insurance, visit: Insurance Quote Puppy for free health insurance quotes
Jimmy Chuang is the publisher of
insurance-quote-puppy.com . He provides more insurance information and offers free home, life, health and auto insurance quotes on his website.