INSURANCE 188

There may be various reasons why you would have a need to verify health insurance. You may be a medical provider verifying insurance for a patient, or a patient checking to make sure that your insurance is covering what it should. Use these steps to verify primary and secondary health insurance. Verifying Health Insurance as a Health Care Provider Maintain accurate records. Make sure that patient information is up-to-date. The basic information you should have in the record are patient's name, and date of birth, the name of the person who is the primary insured (commonly the mother’s or father’s name if your patient is a child), social security number, the name and contact information of the insurance provider, and the patient’s insurance ID and group number. If you do not have the information required by the insurance company, and if this information is not accurate, you may not be able to verify the patient’s insurance. Many factors regarding insurance coverage can

Term life insurance is an insurance plan that will offer coverage for a specified period of time. Having a term insurance plan helps your family during uncertainties. So while you are deciding on buying a term insurance plan, getting the right cover for your family is of utmost importance. If you have no prior experience in this context, then these tips will let you know how to go about it Steps Before you finalize a term plan, make sure you really want it. Don’t get it just because someone you know has already bought it While choosing the best plan for yourself, be aware about your present health conditions Go through different term insurance plans that are being offered in the market, before choosing the plan Do some comparison shopping. Comparing policies, quotes online, and different insurance companies will go a long way in helping you choose the right plan. The tenure is as important as the cover amount Know that your age plays an important role while you choose

The main reason to purchase homeowner's insurance is so that your house, belongings, and property will be covered financially in case of loss. The policy also provides liability insurance. There are many options available offering different amounts of coverage. This article will offer you ten different ways to save money on your homeowner's insurance. Steps Ask for recommendations. Consider all possibilities if you want to get the best deal when you shop. Ask around from family and friends, but don't expect the rates for your home insurance in Seattle to be the same as what your Aunt Sallie pays for hers in St. Louis. Look online to compare homeowner insurance quotes. Ask consumers agencies about a company's reputation. Good information can lead you to the right choice. Have higher deductibles. The higher your deductible, the lower your premiums will be. This is a great way to save some money, but you need to be smart about it! Don't choose a deduct

Should you opt for the additional insurance on a rental car? If you have your own auto insurance coverage, you may not need to. Steps Know the limitations of your own car insurance. When you rent a car, most private auto insurance companies' coverage (the coverage you have on your own personal automobile) transfers over to the rental vehicle during the time the rental is utilized by you. Call your insurance agency to make sure. If you allow additional drivers who are NOT on your personal auto policy, you run the risk that if those persons are operating the rental, they, and the damages they cause, will not be covered. Ask your insurance company about this. If your policy provides minimum coverage, you may need to compute the value of the loss or damage of a newer vehicle (the rental car) and decide if you need to supplement your coverage. Personal auto policies that extend collision coverage to a rental car may only provide a coverage limit equal to the value of you

If you own or operate a small business in the U.S. and own (rather than lease) commercial property, you likely need commercial property insurance to protect your business from a disaster that could cause significant damage and loss. Many states require property owners to carry a minimum amount of commercial property insurance, but you may want more depending on the risks your business faces. The process to get commercial property insurance is similar to getting any other insurance such as car insurance. However, commercial property policies can be significantly more complicated than basic policies you may have purchased to cover your personal property. Evaluating Your Insurance Needs Check your state's law. The state in which your business is located may require specific minimum amounts of commercial property insurance. These requirements represent the minimum commercial property insurance you must purchase for your business. You can contact your state's insurance c