Health Insurance Companies causing pain for patients: Are insurance companies limiting the options available to your doctor? That may be the case. While our nation is quick to blame physicians for the state of healthcare, the insurance companies may be a more sensible target for our collective frustration.
What is umbrella insurance? - This type of policy protects you from all the things that your standard insurance plan doesn't cover. Everyone should consider getting umbrella insurance.
How do you keep your insurance if you lose your job? - If you don't know the answer to this question, you need to learn about the COBRA laws. COBRA allows you to keep your old health insurance if you lose your job, and as part of the stimulus package, the federal government pays 65% of the cost.
Term Life Insurance vs. Whole Life - Most people don't know the difference, but you should. Read this article to find out. Personally, many say that term insurance makes the most sense, since it's cheaper and you don't need life insurance for your entire life. The challenge is that you have to get it renewed.
How to save money on life insurance - There are some steps you can take to make sure you have the life insurance that you need, while still keeping the costs down. Read this article to find out what those steps are.
Dr. Boyce Watkins is a Finance Professor at Syracuse University and author of the forthcoming book, "Black American Money." To have Dr. Boyce commentary delivered to your email, please click here. 
Comments: (7)
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By: lopinguez on 10/11/2009 7:19AM
Of course the health insurance are limiting patients with treatment and medications. All the more reason for a National Health Plan.
Read the book, The Book of Lalo. The author's name is, Lalo C. Dominguez. It will tell you why it's time for a national health plan. Available on amazon.com, borders.com and barnesandnoble.com
Support the Obamas please!
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By: azazelel on 10/13/2009 6:20AM
Time to quit complaining and do something, contact your representative and senator along with all those blue dog Democrats. Don't listen to the lies about health reform read the proposed document yourself and see how beneficial it really is then use the link and feel free to copy my letter and fax it to them all.
http://www.grassfire.net/r.asp?U=21903&CID=122&RID=20697161
To: YOU our public servant and the American peoples voice in Congress and on Capitol Hill!
Failing to pass a government subsidized health care plan that provides every American health care and fails to force insurance companies to accept pre-existing conditions and removes caps on healthcare provided while capping prescription drug prices is a perverse disregard of the U.S. Constitution and an assault on my rights as a citizen! I am assured the right to pursuit of happiness, which can never happen with the current insurance monopoly that exists today. I REJECT any plan that doesn't include a single payer or public option and doesn't provide me with the right to choose something other than privatized insurance companies (by including a public option). The American people want and need government subsidized insurance and that change needs to be made now!
American taxpayers are ready for you to bring about a major overhaul of the current insurance model. The outcome would lower overall medical costs for all Americans by bringing about much needed competition against privatized insurance. With over 10 percent unemployment rate, now is the time to pass a health care measure that covers the poor and unemployed at the expense of privatized insurance company profits.
Your failure to finally provide Americans with a better option than the huge failure now in place (privatized insurance monopolies) while accepting bribes hidden as campaign contributions is not only unethical but should be made illegal with a mad rush! We Americans are aware of this perversion of justice and are fed up with the flagrant extent that it takes place. A perfect example is the exorbitant contributions accepted by Baucus to lead the campaign against a public option.
Listen to the voice of middle-class Americans who are demanding you make a required and expected move toward government subsidized health care and expect nothing less than a public option. Any reform that doesn’t include a single payer or public option would simply mean a financial victory for private insurance companies at our expense and would emphasize their unethical influence on you as you would be choosing their wishes over those of the American majority.
Please know that I am carefully monitoring your actions regarding much needed health care reform that MUST INCLUDE A PUBLIC OPTION!
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By: KORI on 10/13/2009 9:41AM
What ever. Obama wants a Socialized healthcare plan. You tell me one entity that is gubment run, that has been successful? I'm waiting.
This healthcare plan is just one step towards desentizing the American people to a New World Order.
How stupid can people be, when they hear all of the horror stories from people with a single payer system, and the issues the have in obtaining healthcarte, and then ask us to bring that same crap into our country.
Must be a lot of robots in America. And we don't need to read lalos, we need to read the protocols of The Elders of Zion, and find out what the Bama Admin has in store for us.
http://groups.yahoo.com/group/eldersofzion/
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By: Edith on 10/15/2009 10:16PM
ANYONE WHO CAN AFFORD HEALTH CARE ARE BLESSED . I CAN'T EVEN GET THE HEALTH CARE I NEED BECAUSE OF SOMETHING THAT HAPPEN ON MY EX-JOB OVER 20( YEARS AGO.EVEN BEEN MISTREATED BY BLACK DOCTORS IN WHICH I UNDERSTAND THEY CAN ONLY DO WHAT (SOME) WHITES TELL THEM DO.HAVE HAD MANY RETILIATE AGAINST ME EVEN TODAY. I HAD TO GIVE ALL THIS TO GOD AND ALLOW GOD TO WORK THINGS OUT FOR ME. THERE WAS A TIME I HAD MY TRUST IN DOCTORS AND COULDN'T BELIEVE SOME WOULD TREAT ANOTHER HUMAN BEING THE WAY I WAS TREATED. YET I KNEW WITH GOD'S LOVE . ITS WASN'T THEM I WAS UP AGAINST BUT THE ONES WHOM THEY SERVED AND I KNOW IT WASN'T THE LIVING GOD. I PRAY FOR SOULS TODAY AND THAT GOD OPEN PEOPLES EYES OF TO THE NEED OF GOD.WITH OUT GOD NONE OF US ARE NOTHING. THIS WORLD IS MESSED UP CAUSE (S0ME)MEN FEEL THEY DON'T NEED GOD. ALSO WITH MANY WANTING GOD OUT OF THEIR LIVES. HAS ALLOWED THE WORKS OF SATAN TO ENLARGE ITSELF . SO THANKFUL GOD DELIVER ME FROM DARKNESS TO THE LIGHT THRU HIS SON JESUS.PEOPLE GOD LOVES YOU AND JESUS DIED FOR YOU. IF YOU WANT PEACE PLEASE COME TO GOD BEFORE ITS TO LATE. HAVE A BLESSED & WONDERFUL EVENING . BYE
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By: Gloria on 10/16/2009 11:31AM
Edith: I am so sorry for your struggles, this is why a public option is necessary. I will pray for you honey. All I can do right now is try to keep healthy and put money in my life insurance policy in case that doesn't work. I want my babies to be protected, and for a dollar, even I can do that. This is the site I used if anyone else needs somewhere to find cheap life insurance, http://www.startglobelifeinsurance.com?gmad_id=aud-764475
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