Low Income and Need Insurance?

InsureMe puts low income individuals and families in contact with low rate insurance plans offered in your state.
Free Insurance Quote

Low Income Insurance

There are many obstacles to overcome if you are a low income individual or a member of a low income family. Obtaining health insurance is one of the biggest problems facing individuals and families who live near or even below the poverty line. There are many causes of people being uninsured including: being a single parent, having a disability, working only part-time, working for an employer that does not offer health insurance or being unemployed.

Low income insurance is available for many individuals and families. Men and women who have reached at least 65 years of age are usually eligible for Medicare benefits. Individuals who are retired often are considered to be low income and do need health insurance. Medicare benefits are also available for many people who receive Social Security disability benefits. Medicare benefits can be a lifeline for disabled individuals with high medical expenses and a low income.

Each state offers Medicaid for individuals and family who meet specified guidelines. Medicaid was designed to provide low income insurance for families and even some individuals who would not otherwise have insurance. Medicaid is particularly helpful for low income families and for pregnant women with a low income and few resources. Some states offer other low income insurance options for people who earn too much money to receive Medicaid but who would still have difficulty obtaining traditional health insurance.

Low income insurance is also provided for most children who are not insured throughout the United States. Each state has a health insurance plan for children. This form of insurance is a low income insurance that is ideal for children of families earning income that exceeds the cutoff for Medicaid benefits. Some states have extended their health insurance programs to even offer health insurance to families with higher incomes if they have no other way to insure their children.

Families and individuals who need low income insurance can contact their local assistance office. County assistance offices do not just offer welfare benefits. They also help to administer many of the low income insurance options for citizens in their local area. A social worker will work with families and individuals to help them identify the low income insurance options for which they might qualify.

How Much is In-store 'Insurance' costing You?

REPRINT GUIDELINES: Please feel free to reprint this article in your ezine or on your site, as long as you leave all links in place and include the resource box as listed above. A quick email to inform me would also be appreciated. Thanks.

TITLE: How Much is In-store 'Insurance' costing You?

AUTHOR: Colin Mc Caig

EMAIL: mailto:colin@cmcaig.com

AUTORESPONDER: mailto:warranties@demandmail.com

WORD COUNT: 475

KEY WORDS: Extended warranties, bad deal, shop around

DESCRIPTION: Extended warranties may seem a great deal, but frequently turn out to be a costly luxury.

'How Much is In-store "insurance" Costing You?'

by Colin mc Caig

I saw it coming, but many of us still don't.

No sooner had I handed my card over to pay for my new DVD, than I was hit with that famous question that meets the unwary at the point of sale...

'Would Sir care to insure his purchase against breakage...'

It's a fact that high-street outlets still sell millions of this 'insurance' each year.

Unfortunately, for Joe Public, though, they're rarely worth the paper they're written on.

Indeed, in the majority of cases, it's generally cheaper to pay for breakage as you go, particularly as many extended warranties can come to more than *half* the cost of your actual purchase.

Add to this, that we live in a competitive world with goods bought today far more reliable than 10-20 years ago, you really have to question who's getting the best deal here.

In fact, I can still think of a cheap video recorder I bought 4 years ago. It came with a 1-year guarantee and it's still going strong today.

So how do you make sure you're not caught out?

Well, here are a few pointers:

1. Don't fall for the standard 'hard sell' techniques until you have all the facts up front. These are frequently employed to foist unwanted warranties on the unwary.

2. How open is the retailer about the cost of their insurance? Is the cost of the warranty displayed alongside the goods?

3. Does the warranty include a 1-2 month money-back guarantee if you don't make a claim in that period? And after this, would you be entitled to a pro rata refund?

4. Is there an information booklet explaining your statutory rights? This should state that you have the right to cancel and that warranties are available elsewhere.

On that last point, did you know that warranties bought in-store can be up to 40% more expensive than those available from other insurers and outlets?

And if you're a credit card holder, many cards now cover your goods for a year beyond the retailer's offer.

Mmm...suddenly that 'insurance' isn't looking so great a deal after all.

So, next time, don't feel pushed into an immediate decision.

One final tip: If you have cash to pay, then why not make the sales assistant work for the sale? You'll often find their commission has already been 'priced in' to the item they're trying to sell you.

Haggling is common practice in many countries, so don't feel embarrassed! You'll find many stores prepared to do so to win business - particularly if surrounded by a lot of competitors!

So, There you have it...the next time you go shopping for that new washing machine, try shopping around a little first. That way, you can stop your 'insurance' becoming a costly luxury.

© 2004 Colin Mc Caig

RESOURCE BOX: ============================================================ Want to know how some beat the debt trap and master their money with ease? You can find out by grabbing Colin's 'Debt-Busting Secrets' mini-course. Send a blank email to: =======>>>> mailto:colind@demandmail.com ============================================================

About the author: Want to know how some beat the debt trap and master their money with ease? You can find out by grabbing Colin's 'Debt-Busting Secrets' mini-course. Send a blank email to: =======>>>> mailto:colind@demandmail.com

Author: Colin mc Caig
Low Income Insurance is offered in most states. While it can be difficult to qualify, the InsureMe system will put Low Income individuals and families in contact with affordable insurance options in their state.


Free Insurance Quote

Archive