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Articles by Alston Balkcom

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19 articles by Alston Balkcom · showing 19

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By Alston BalkcomMay 2, 20111 topic

The Cost of Not Having Nursing Home or Long Term Care Coverage

The following statistics underscore how important this coverage is. About 70% of individuals who live to age 65 will be in need of some type of living assistance in their lifetime. The average nursing home stay is over two years. You can expect to pay close to $200,000 based on 2010 statistics. 40% of people pay out of their assets for their assisted living and nursing home care. Half of all couples and over two thirds of individuals are impoverished in less than one year aft

Primary topic: Insurance

731 views

By Alston BalkcomApr 25, 20111 topic

Do You Need Dental Insurance?

It is important to have health insurance to cover any hospital stays and doctor visits, but treatment from dentists is often not included benefits. However, having the proper dental treatment is important for all of us. In order to be able to afford these potentially pricey treatments, it is important to have the right kind of insurance. Dental treatment can be covered by specialized policies known as dental insurance. Many kinds of dental care expenses are covered by dental

Primary topic: Insurance

850 views

By Alston BalkcomMar 1, 20111 topic

Final Expense Life Insurance - a Mistake?

Final expense insurance is also called funeral insurance. This type of insurance is simply a low value life insurance contract. For most people other types of life insurance will be better choices. A policy of this sort is typically sold to an insured with the idea that the the beneficiary or loved ones left behind cannot afford the funeral and burial costs. This averages around $8,000. The insurance contract is designed to cover those expenses. There are some drawbacks to th

Primary topic: Insurance

2,596 views

By Alston BalkcomFeb 22, 20111 topic

What is Term Life Insurance Coverage?

Term life insurance, when compared to other types of life insurance is one of the most commonly owned this is the case for several reasons. For one, it is usually the cheapest and despite the low monthly cost the coverage amount is generally high. It is preferred by many who want it to ensure that their loved ones will manage financially after their death. Term life insurance also has several policy models available and that allows the individual a great deal of freedom as we

Primary topic: Insurance

835 views

By Alston BalkcomFeb 22, 20111 topic

Car Insurance Discounts

Saving money on auto insurance coverage may be difficult, but there are ways to get car insurance coverage discounts if you're willing to do the research and put in some effort. You can lower your premiums by hundreds each year, so it can really pay off. Be sure to compare rate quotes with different companies. Take your time and make sure that the rate quotes you're getting for the various policies are based on the same limits of coverage. Be aware of all the conditions and a

Primary topic: Insurance

1,042 views

By Alston BalkcomFeb 18, 20111 topic

High Risk Car Insurance

It is tough having to pay for a high risk auto insurance policy. One of the things that people find difficult about this is that âhigh riskâ is such a subjective opinion, and means different things to different people. Let's take a look at high risk automobile insurance, and put things into perspective. Although auto insurance is currently regulated at the state level in the United States, most states allow the insurance companies some flexibility. They can make modificat

Primary topic: Insurance

1,311 views

By Alston BalkcomFeb 16, 20111 topic

What Everyone Should Know About Health Insurance

Everyone deserves to have some sort of protection from the high expenses associated with medical problems. It is hard to ignore how critical our health is to our overall happiness. It is also hard to ignore how critical maintaining our good health is to allowing us to do our part in life. Because one never can know what might happen to him or her, it is very important to have medical insurance to cover regular exams. This is important because prevention can go a long way towa

Primary topic: Insurance

961 views

By Alston BalkcomFeb 14, 20111 topic

How To Purchase Cheaper Car Insurance Coverage

Purchasing less costly car insurance coverage should be possible without meaning that a policyholder gets stuck with minimal or no insurance coverage, or even poor insurance. You clearly can't drive a vehicle if you don't have car or truck insurance coverage; auto insurance coverage is a legal requirement. One strategy to save and get cheaper auto or truck insurance coverage is to get estimates from several insurance coverage providers. It's also important to have a very clea

Primary topic: Insurance

1,474 views

By Alston BalkcomFeb 14, 20111 topic

Disability Income Insurance for Individuals

When it comes to disability insurance for individuals, there are two major kinds you need to know about. Knowing what is good and bad about each major type can make a big difference if you ever need the coverage they offer. Short term disability income insurance is available immediately if you sustain an injury or have an illness that disables you. This type of coverage can last a few weeks or up to a year or more, depending on the specifics of the plan you have. Most employe

Primary topic: Insurance

1,062 views

By Alston BalkcomNov 9, 20101 topic

Facts About Teenage Drivers Car Insurance

It is more expensive to buy insurance coverage for teen drivers than more mature ones, but there are ways to keep the costs lower than they would otherwise be. Even teenagers can drive in a mature fashion and avoid crashes. They can also avoid driving certain types of automobiles. They can also make sure they qualify for all discounts available to them. You will pay more when you get car insurance for a youthful driver. The truth is that less experienced drivers have more cra

Primary topic: Personal Finance

Personal Finance

2,743 views2/5 (1)

By Alston BalkcomOct 7, 20101 topic

Applying for Pregnancy Insurance While Pregnant

Finding maternity and health insurance through a private insurance carrier while you are already pregnant is difficult, if not impossible. Health insurance carriers will usually consider an existing pregnancy a reason to deny coverage. They will consider the pregnancy to be a pre-existing health condition. The information below may not be or might not be appropriate to you. There are different laws in different areas. The restrictions and limitations you might find on a given

Primary topic: Insurance

1,678 views

By Alston BalkcomMar 11, 20101 topic

Secrets To Reducing Your Individual And Family Healthcare Insurance Rates

If we desire the best individual and family health care insurance cost we need to do several things. We should think about buying a plan with a higher deductible. We should comparison shop for insurance frequently. We should make an effort to be be less likely to need care. When comparing plans contemplate medical insurance contracts with moderate and high deductibles. These health insurance plans often offer the best value when price and coverage are looked at together. If y

Primary topic: Personal Accountability

Personal Accountability

1,681 views

By Alston BalkcomMar 4, 20101 topic

Finding Maternity Insurance If You Are Currently Pregnant

If you are pregnant but uninsured, there may be choices available to you that will reduce your financial burden for the health care needed to deliver your son or daughter. Not checking out all your choices can result real damage to your financial future. Your alternatives for maternity insurance if you're currently pregnant include job-sponsored medical care insurance, government-sponsored hospital and surgery insurance. If these are not available to you some non-insurance pl

Primary topic: Women's Issues

1,452 views4.8/5 (4)

By Alston BalkcomOct 21, 20091 topic

Strategies for Dropping Your Family's Cost of Health care Insurance

You may be able to stopspending unnecessary dollars month after month on your medical coverage policy. You might be able to use certain tricks and get a lower coverage rates. Combining your family's insurance coverage and a getting a combined singe policy may be the most cost effective approach. However frequently families will do better with two or more separate plans. Here are some of the scenarios in when buying separate individual health care insurance plans might be more

Primary topic: Health Education

Health Education

1,012 views

By Alston BalkcomOct 20, 20091 topic

Medical care Group Insurance Discounts

rnHealthcare insurance companies often charge more for group policies. Many people think that if they apply for their family's medical insurance through their employer or buy as part of an association that they will get a lower monthly price. While this could be true at times, this isn't usually true. Individuals will often pay more for a group medical coverage policy when compared to what they would pay if they applied as an individual. You may be losing thousands of dollars

Primary topic: Health Education

Health Education

802 views

By Alston BalkcomSep 22, 20091 topic

Tips for Lowering Healthcare Insurance Rate Increases

Be a Good Risk Comparison Shop For Health Insurance Compare Insurance Plans With A Calculator You must have a good medical history to get the lowest price. medical insurance companies will ask about your medical records and history before offering you a medical insurance policy. If you don't meet the insurance company's criteria medically you may have your rate increased or you may not be offered an insurance plan at all. This may or may not be fair. However, this is the way

Primary topic: Business Networking

Business Networking

847 views4/5 (1)

By Alston BalkcomAug 28, 20091 topic

Employee Insurance Packages Making Good Choices for the Entrepreneur

Whether you're a business owner, a lawyer with your own practice, an independent plumber or are otherwise self-employed, one of numerous vital challenges you must confront is determining the kind of healthcare protection coverage and other insurance cover you should have for yourself and your family. As an entrepreneur you and not your boss has to pay for your coverage. The good news is that you also get to determine what goes into your package. An optimal protection and bene

Primary topic: Health Education

Health Education

875 views3/5 (2)

By Alston BalkcomAug 4, 20091 topic

C.O.B.R.A. Medical Insurance vs Individual and/or Family Health coverage

Even though C.O.B.R.A. coverage is often a good choice for a lot of families, former employees often accept their COBRA option when they should not. When compared to private health care coverage, C.O.B.R.A. can be too expensive, it can conclude too early and it can put someone else in control of your policy. COBRA is often too pricey COBRA is s short-term solution C.O.B.R.A. is under someone else's control C.O.B.R.A. is often too costly The C.O.B.R.A. law gives you the right

Primary topic: Health Education

Health Education

1,721 views

By Alston BalkcomAug 3, 20091 topic

Should you Reject C.O.B.R.A.?

If your employment ends, C.O.B.R.A. cover might be the best option to cover yourself. It may also be a very big mistake. Knowing whether to accept your previous company's COBRA offer can save you thousands of dollars. C.O.B.R.A. can cost hundreds more each month when compared to similar non-C.O.B.R.A. options that offer similar or sometimes better benefits. C.O.B.R.A. could be the best option if: Individual healthcare assurance isn't available to you Individual healthcare cov

Primary topic: Health Education

Health Education

1,185 views2/5 (1)

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