Author: Krista Farmerbr
Source: articledashboard.combr
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If your health, well-being and pocketbook are three things that are important to you, you probably understand the significance of health coverage. But I dont go to the doctor a lot, you say. While you may not make many trips to the doctor, you never know when a medical emergency that could cost you thousands of dollars will occur; this is where health insurance steps in.

To help you better understand your health insurance policy, lets define some terms you will need to be familiar with.

Accidental Death Insurance – This type of insurance is paid if the death of the policyholder results from an accident.

Acute care – Expert attention that is required to restore a person to good health.

Aftercare – Specialized patient services that are necessary following hospitalization or rehabilitation.

Ambulatory care – This type of outpatient treatment does not require hospitalization.

Ancillary – supplementary services (beyond room and board fees)

Benefit package – a detailed description of the policyholders coverage under the terms of the health insurance contract

Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA) – This law gives employees of companies with more then 20 employees the guarantee of group medical coverage at the companys expense for a period of time.

Continuation – Allows employees that have been terminated to continue their group health insurance coverage under certain conditions.

Covered Expenses – Medical costs incurred when the policy holder qualifies for reimbursement

Newspaper policy – type of limited health insurance sold by newspapers to maintain or add to circulation

Provider – individual or group of individuals that provide health care service

Glancing over these definitions will put you on the right track to understanding your health insurance policy. Still have questions? Be sure to contact your insurance provider if youre not sure about something in your policy. Uncertainties about your health insurance should never be neglected.

Health insurance is your key to financial security in the event of a medical catastrophe. Because medical emergencies are not predictable, it is important that you prepare for health coverage today!

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Author: Elizabeth Newberry
Source: articleage.com

Most of us feel safe and secure once we know that we are covered by insurance in the event of an emergency. If you find yourself involved in a fender bender, you thank yourself for purchasing enough auto insurance. If you lose a filling and need to replace it, you are glad you paid that extra bit for dental insurance. However, just because we have auto and dental insurance does not mean that we go around bumping into people and stop brushing our teeth. The same applies for Ohio home owner insurance.
Just because you have purchased Ohio home owner insurance does not mean that you
can just forget about the safety of your home, its inhabitants, and its
visitors. Consider these three ways to further insure your home.
1. Prevent major water and fire damage. Do this by conducting regular
checks of your roof and plumbing system and making all repairs as necessary. You
should also keep several fire extinguishers handy, especially in those parts of
your home that are more likely to catch fire than others, such as the kitchen.
You may also want to keep a fire extinguisher in an upstairs hallway and your
garage.
2. Safeguard your home. Make sure you have sturdy locks and/or deadbolt
locks on all doors, and keep your doors locked, especially at night and when no
one is home. This includes quick trips to the grocery store and lengthy
vacations. Doors are not the only ways in which burglars can get in – keep your
windows, even those upstairs, locked as well. Consider installing motion sensor
lights outdoors, as well as home alarm systems indoors.
3. Make repairs. Just because you may not get a lot of visitors does not
mean you should put off repairing that loose step at the top of your front
porch. You never know when a girl scout selling cookies door-to-door is going to
make an appearance.
Visit our website to get an instant auto insurance quote, get a
Florida home owner insurance quote, or
get Minnesota car insurance.
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