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The Children’s Health Insurance Program The Children’s Health Insurance Program (CHIP), formerly known as the State Children’s Health Insurance Program (SCHIP), is a federal program. Funding was initiated in 1997 when the statistic of American children without insurance was just over 1 to 10. CHIP provides health and dental coverage for children whose parents . . . → Read More: The Children’s Health Insurance Program Deciding to start a family is a life altering event. Not having good health and life insurance coverage can be too. If you are expecting a baby or recently had a baby, its not to late to examine your insurance needs. U.S. Census data shows that July and August are the most common birth . . . → Read More: Ready for Baby? New Law: If a patrol car is pulled over to the side of the road, you have to change to the next lane (away from the stopped vehicle) or slow down by 20 mph . . . → Read More: New Traffic Law 2010 : Move Over Law CDW is useful and very inexpensive. Many agents do not to offer this coverage because they may not understand how it works. Insured will refuse this coverage due to the lack of understanding of how it works. I have put together questions and answers regarding Collision Damage Waiver. . . . → Read More: Crash Course on CDW (Collision Damage Waiver) Full coverage on your auto insurance has a comprehensives and collision deductable. If your auto insurance deductable are set to $500 for collision coverage and comprehensive coverage you are paying an increase premium due to the lower deductable. Increasing your deductable on your auto insurance to $1000 will reduce your auto insurance premium. Make sure add the Collision Deductable Waiver (CDW) to your auto insurance policy. This will waive your deductable due to collision. CDW can cover your policy deductable up to $3,500. This will make your collision deductable $0. . . . → Read More: Tips on How to Reduce Your Auto Insurance Cost and Stay Insured in a Down Economy It takes a lot to maintain good health these days. Of course, eating a healthy diet – with plenty of fruits and vegetables – and exercising regularly are the cornerstones of good health. There is another essential factor – one that is less well-recognized and easy to overlook. In the early years of the 21st century we all need to find ways to manage our daily levels of stress. . . . → Read More: The Inner Game of Health Author’s note: A recent Medicare report has much to say that is favorable toward the chiropractic profession, yet some of the more important implications have not been widely discussed. . . . → Read More: Time to Play Ball: Chiropractic and the Active Lifestyle As more state goverment agencies become more aware of the risks cause by PDA and cellphones and texting while driving. Many of these state are passing laws banning the use of these devices while driving. . . . → Read More: 2010 Texting While Driving Laws State By State Break Down A new chain letter an many news channels like fox new are claiming that most people, even retirees, will see a big tax increase next year thanks to President Obama’s New health care law, because it will start taxing health insurance as regular income. Starting 2011 your W2 tax forms sent by your employer will be increased to show the value of whatever health insurance you are given by your company. . . . → Read More: 2011 W-2 tax forms and HR 3590: Will you have to pay taxes for health insurance?? Official Summary 3/23/2010–Public Law. (This measure has not been amended since it was passed by the Senate on December 24, 2009. The summary of that version is repeated here.) Patient Protection and Affordable Care Act – Title I: Quality, Affordable Health Care for All Americans – Subtitle A: Immediate Improvements in Health Care Coverage for All Americans – (Sec. 1001, as modified by Sec. 10101) Amends the Public Health Service Act to prohibit a health plan (“health plan” under this subtitle excludes any “grandfathered health plan” as defined in section 1251) from establishing lifetime limits or annual limits on the dollar value of benefits for any participant or beneficiary after January 1, 2014. Permits a restricted annual limit for plan years beginning prior to January 1, 2014. Declares that a health plan shall not be prevented from placing annual or lifetime per-beneficiary limits on covered benefits that are not essential health benefits to the extent that such limits are otherwise permitted. Prohibits a health plan from rescinding coverage of an enrollee except in the case of fraud or intentional misrepresentation of material fact. Requires health plans to provide coverage for, and to not impose any cost sharing requirements for: . . . → Read More: Offical Document of H.R 3590: Patient Protection and Affordable Care Act |
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