Headquarter Insurance 1-888-842-9430 As an independent insurance agent, we can find the be

Groceries or Medicine? Short Term Medical Lets You Have Both

2010-04-06T05:38:00.000-07:00

No one should go without health insurance. Accidents happen every day, and no one is invincible. One small accident could cost you thousands of dollars. Paying for medicine to take care of a stomach bug could mean you don't go grocery shopping for a couple of weeks.

But what if your employer doesn't offer any health benefits? Or what if you're still waiting for you 90-day evaluation period to end? You may need to consider short term health insurance if:

-You're between jobs
-You're waiting for your evaluation period to finish at a new job
-You're a temporary employee
-You're an employee who was hired for the holidays
-You're a new college graduate

Short term medical insurance may seem unnecessary, but you'll be glad you have it if you get sick or injured. Besides saving you hundreds of dollars, short term medical coverage kicks in almost immediately after you buy it, and you're able to keep your own doctors.

For more information on short term medical insurance, contact us today!

Sometimes Good Health Isn’t Enough – Accidents Still Happen

2010-04-05T07:41:00.000-07:00

Four nights ago, I called my 22-year-old son who lives about three hours from myself and my wife. He’s currently attending college and I wanted to make sure he would definitely be coming home for Thanksgiving and staying over the weekend. He assured me that he was, but he politely asked me to not mention insurance to him.

He asked this favor of me because I’ll admit, I bog him down with insurance questions when he comes home. It’s my job after all, and he’s no exception. I suggested that we get it out of the way, so I wouldn’t have to ask him when he arrives home. I said, “So, are you covered yet?”

My son refuses to pay for individual health insurance because he never gets sick. He believes it’s a waste of his money. He tells me he’s young, healthy, doesn’t smoke, drinks only occasionally, and has not had to visit the doctor since grade school. He always tells me this, and he told me that for nights ago. I sighed, but didn’t push the issue any more.

Last night, my son called me. “Dad?” he said. “I broke my arm and went to the ER. It’s going to cost $2,000.” I almost laughed – almost. He had dodged sickness, but had forgotten that life is full of accidents. During a frat party, a friend had been horsing around and knocked him off a high-set porch.

My son is paying off his $2,000 in ER, x-ray, and setting bills in installments. Needless to say, he decided to go ahead and get health insurance for himself.

We’re the Independent Insurance Group, specializing in all types of health insurance. To find out more about individual health plans, give us a call today!

Do You Need Life Insurance?

2010-03-15T07:39:00.000-07:00

Life insurance can be a huge benefit to you and your loved ones. If you’ve been considering it lately for you and your family, check out these guidelines to see if it’s right for you:

Are you a “beginning” family? If so, it’s the perfect time to buy life insurance. If you and your spouse just had a baby or have small children, you have a good amount of dependents, and chances are if you’re young, you’re healthy. Life insurance policies are much cheaper when you’re young and in good health.

Are you a young, single adult? If so, the main reason you would need life insurance would be to pay for your own funeral. This is a good idea if no one in your family would be financially able to pay for the funeral for you.

Do you have an established family? If your kids are getting older but still depend on you, it’s now or never! Your life insurance policies will only increase the longer you wait. Remember, it’s important that your spouse and children would be provided for in the event of your death.

Are you married, but have no kids? If so, it comes down to you and your spouse deciding together if life insurance is right for you. If you’re both earning a good amount of income – enough so that if one of you passed away, the other would be able to manage – then life insurance would only be useful to pay for the funeral. However, if one of you makes a good deal more than the other, then purchasing life insurance may be a good idea.

Are you elderly? If so, life insurance at this stage in your life would be useful only to pay for your funeral, unless you still have dependents. If you believe that life insurance is right for you at your age, speak with us today about your options.

To find out more about life insurance, contact us today!

2010-03-11T07:36:00.000-08:00

Health Insurance Won’t Pay for L.A.’s “Designer Babies”

Recently, an L.A. clinic announced that it will be offering services to genetically engineer traits for unborn children, including gender. The fertility treatment is based on a procedure called "pre-implantation genetic diagnosis", or PGD.

PGD has been used primarily to combat disease in young children, and the science of it has now ventured into the stage where it can also be used to control the physical traits of babies. Besides gender, parents can now choose features like eye, hair, and skin color. (The project began with Dr. Jeff Steinberg, who also helped create 1978's "test tube baby.")

Some people are outraged and offended by the science fiction-ish service, calling it "playing God", "selfish", and "creepy." Many people think that the attitude of Hollywood has gone too far. And then there are those who are intrigued, impressed, and even eager to "design" their own perfect baby.

The cost for the procedure costs around $18,000, and is not covered by health insurance (another source of outrage altogether).

For more information on health insurance, or for a free health insurance quote, visit our website today. We're HeadquarterInsurance.com .

How Do I Know If I Need a Critical Care Policy?

2010-03-10T07:32:00.000-08:00

Did you know that while your health policy covers medical expenses due to accidents or illnesses, it won't cover the many expenses that come with your long term care?

That's what a critical care policy is for.

A critical care policy basically adds an extra layer of financial protection beyond the regular coverage of a health insurance policy. It's also guaranteed renewable each year and can cover expenses like lost income, deductibles, travel expenses, and ongoing medical treatments. Mortgage payments, debts, and everyday living expenses can also be paid through critical care.

Critical care is a great benefit to those with critical health issues such as cancer, heart attacks, multiple sclerosis, kidney failure, stroke, and major organ transplants.(The factors that make up "critical illness" will vary from different agencies, but they normally include these.)

A critical care insurance policy can give you and your loved ones security during times that already going to be difficult. If you think you might be a candidate, there are steps you can take to find out even more. Start by taking a personal inventory. Do you have a family history of chronic health problems, such as heart failure, stroke or cancer? If so, that could be an indicator that critical care insurance may be an excellent option for you.

Next, consider your personal finances. Do you have the discipline to save money each month to cover long term medical care due to critical illness? And do you have an adequate income to prepare for critical illnesses?

If you are unable to work due to a critical illness, where is your money going to come from? There are many things to think about when considering a critical care policy, but if and when the time comes, you'll be very happy you prepared for it.

For more information on critical care insurance, contact us today! We're Independent Insurance Agency, based in Lauderhill, Florida. You can also visit our site for a free critical care quote.

Don’t Spend the Rest of Your Life Paying for Student Loans AND a Broken Leg

2010-03-09T07:25:00.000-08:00

It's not surprising that many students go through college without health insurance. Students generally have limited budgets, and health insurance isn't necessarily on their minds - after all, there are student loans to think of and resumes to send out.

However, having a health insurance policy when you're a student is crucial. If you're injured and need medical attention, without health coverage you could be paying for it even longer than your student loans. Did you know that the average cost of an uninsured compound leg fracture is $75,000? And an uninsured spinal fracture is nearly $200,000.

If you're a college or graduate student or a recent graduate without health coverage, you're not alone, but you are taking a giant risk. A good health insurance policy gives you a lot of coverage for a small cost.

When it comes to health insurance, you have a few options. You can get a high-deductible plan, or you can get short term health coverage. Short term coverage is a temporary insurance which lasts just until you get a job with health benefits. Or, if you're healthy, you should consider a major medical policy, which offers more benefits to those in good health.

For more information on our health insurance policies, contact us today! We're Independent Insurance Group, based in Lauderhill, Florida. You may also visit our free health quote page!

Are You Candidate for Guaranteed Issue Health Coverage?

2010-03-08T07:30:00.000-08:00

Are You Candidate for Guaranteed Issue Health Coverage?

Guaranteed issue health insurance, or "indemnity insurance," is a type of health coverage that's guaranteed to you, regardless of your health conditions. Insurance companies often refuse to insure those with serious health issues, which can be a problem when it comes to qualifying for regular coverage.

If you have a serious health condition such as diabetes, heart disease, or cancer, you could be a good candidate for guaranteed issue insurance.

Most guaranteed issue insurance policies include doctor visits, emergencies, surgeries, and hospital stays, and are HIPAA compliant. Providers will also work with you if you can't afford regular health insurance.

We believe that you should be able to receive the health insurance you need, even if you may not be eligible for traditional health coverage. We also believe that you deserve to have the peace of mind that comes with knowing your health will be taken care of.

At our agency, we make sure you get that protection. We're the Independent Insurance Group, based in Lauderhill, Florida. For more information on guaranteed issue health coverage, contact us today or visit our website for a free indemnity quote!

Health Insurance: Not Only for the Swine Flu Scare

2010-03-05T07:28:00.000-08:00

When the first U.S. swine flu death occurred, everyone grew alarmed and alert. The doctors offices were flooded with those who believed they had the disease.

Even though most of these cases were (thankfully) psychosomatic, the doctors visits did cost money, and those who got the doctors to write prescriptions probably went straight to the pharmacy to get their antibiotics.

This whole situation was appalling for those without health insurance policies. When a fear grows to a hysteria as the fear of swine flu did, Americans don't care if they have health insurance or not; they're going to the doctor come hell or high water. And they will pay for those expensive antibiotics, too.

Millions of people in the U.S. don't have health insurance, but the need for it is great - especially for families with children. The risk of sudden illness or an accident is too big to ignore, and most health insurance policies are so low that it's a very sound investment.

Antibiotics can cost hundreds of dollars without coverage, and doctor visits can be pricey, too. As for broken bones? We're talking thousands upon thousands.

There are always going to be viruses going around. Some just happen to get more coverage than others. It's crucial to be prepared for every illness and every accident.

Contact us today to talk about a health insurance policy that will fit your budget and family size. We're the Independent Insurance Group, based in Lauderhill, Florida.

Guaranteed Issue Health Insurance, As Good as it Sounds

2010-03-04T07:33:00.000-08:00

Have you heard of guaranteed issue insurance?

This is a form of health coverage that offers extra protection for you or a family member becomes hospitalized. It pays a fixed amount each day, week, or month that you/they are in the hospital. It can also be used for medical or other expenses.

It's called "guaranteed" because it's guaranteed coverage, regardless of your health conditions. Companies often refuse those with serious health problems - that's the point of guaranteed issue insurance.

Hospitalization can be a difficult time, and the last thing you want to worry about is loss of income or paying bills. Guaranteed Issue Insurance can help you rest a little easier knowing those extra expenses may be paid, protecting your savings and retirement plans.

For more information on guaranteed issue insurance, contact us today! We're HeadQuarterInsurance.com .

Federal COBRA Subsidy Ending

2009-12-12T19:21:00.000-08:00

When a worker loses a job, he or she is eligible to maintain health insurance under the Consolidated Omnibus Budget Reconciliation Act, or Cobra. While Cobra payments are typically quite expensive, a federal subsidy has recently eased the financial burden of Cobra for laid-off workers.

But the subsidy is running out, and workers are facing skyrocketing Cobra costs.

If your COBRA is about to run out give Headquarter Insurance a call:

1-888-842-9430

Health Insurance Quotes from Headquarter Insurance

2009-11-26T05:12:00.000-08:00

Welcome to Headquarter Insurance

Online, where you can get an affordable health insurance quote from a variety
of health insurance providers such as Anthem, UniCare, and Blue Cross Blue
Shield simply and easily. Our site has been designed so that you can learn more
about health insurance companies, the health insurance plans they provide and
the states they offer individual health insurance coverage in quickly and
easily. You can even request and receive a free, no obligation quote online.

Health
Insurance

We want you to have a simple, yet
well informed and educational experience while you are shopping for health
insurance quotes. That's why we have created informative overviews of many
different health insurance companies, as well as the states the providers serve. The
providers of health insurance on Health Insurance Online include Anthem,
Unicare, Blue Cross Blue Shield, Aetna, Humana, Assurant, Kaiser, PacifiCare,
United Healthcare, SummaCare, Celtic, and many more. Review options, plans and
pricing from different insurers by requesting a free health insurance quote.

Affordable
Health Insurance

With unemployment on the rise and many people concerned about losing their job, finding affordable health insurance is more important than ever. Without an affordable
health insurance plan, you can find yourself paying thousands of dollars in
medical expenses, expenses that could have been avoided if you had coverage.
While COBRA is a conventional option it's not the most affordable health
insurance coverage. Finding affordable health insurance coverage from a
reputable health insurance company is the best way to make sure you have
affordable health insurance and peace of mind. You can request a quote by
filling out the form located in the upper right hand corner of the page.

CheapHealth Insurance

When we use the word
"cheap" to talk about our cheap health insurance offerings, we don't
mean "low quality," we mean "inexpensive." The cheap health insurance offered by the various companies here at Headquarter Insurance is indeed inexpensive, but quality isn't sacrificed for cost. The various cheap health insurance policies offered by our partner companies are
affordable as well as comprehensive, giving you the coverage you need for the
peace of mind you and your family deserve. This way, when you shop around
through our various cheap health insurance policies, you can be sure you're not
only getting access to high-quality insurance, but at a prices you can easily
afford.

Health Insurance Quotes

There are many different types of health insurance quotes one can search for when shopping for health insurance coverage. Most people are at a loss as to how to even take that first step and
find health insurance quotes. Often they are compelled to simply give up and
take the first option that comes their way. While it can seem daunting at first
to be bombarded with options such as HMO's, PPO's, Health Savings Accounts
(HSAs) and so on, it doesn't have to be. With the power of the Internet, you
can easily find health insurance quotes for the coverage and the
plans that best meet your needs.

Medicare Supplemental Insurance

Medicare is a Social Security
benefit for senior citizens age 65 and older or individuals under age 65 that
have certain disabilities that covers many medical expenses. However, in many
Medicare plans, there are predictable "gaps" in coverage that can
leave seniors with unreimbursed medical expenses. Thankfully, many health
insurance companies offer Medicare supplemental insurance, also known as
Medigap insurance. Medicare supplemental insurance offers seniors coverage for
health care costs that are not covered by a traditional Medicare plan. By
having Medicare supplemental insurance, seniors can rely on consistent,
constant and comprehensive coverage when they need it. Visit the
"Seniors" section of our web site for comprehensive information
regarding Medicare and Medigap Supplemental Health Insurance available for
Seniors.

Medical Insurance

Medical insurance is a form of insurance purchased by policyholders to help in the event of a medical emergency, doctor visits, prescriptions, other medical expenses, and even
long-term care. In short, medical insurance is protection against financial
loss due to illnesses or bodily injuries. We want to make shopping for
affordable, high-quality medical insurance as simple as possible. To help you
make an informed decision, we have created a comprehensive guide to
understanding medical insurance, its premiums, availability, and benefits. You
can even request free medical insurance quotes and compare plans from
many different health insurance providers.

Individual Health Insurance

As health care costs continue to
skyrocket, it's never been more important to be insured so your medical
expenses will be covered. Purchasing individual health insurance is a key
factor in providing peace of mind to you and your family, as well as keeping
them in good health. Thankfully, many individual health insurance policies are
affordable, making health insurance easy for nearly anyone to access. There are
various different types of individual health insurance plans to consider,
however, such as major medical insurance, HMO's, PPO's and high deductible
health insurance plans. There are also many ways to get individual health
insurance, whether it's through an agent or a website.

Health Insurance Coverage

Finding affordable health insurance coverage in many states is easy through Headquarter Insurance Online.
We offer health insurance coverage through reputable companies in several
states, including California, Florida, Illinois, Michigan, Texas, Virginia and many
more. Finding health insurance coverage in these states is easy thanks to
companies such as Anthem, UniCare, and Blue Cross Blue Shield. By using our
simple form, you can get a myriad of health insurance quotes from various
companies offering health insurance coverage in one of these states at
affordable rates. So take a look at those states in which we offer health
insurance coverage, and then choose the health insurance plan that's right for
you.

Health Insurance Plans

There are a wide variety of
different health insurance plans you can consider when shopping around for your
own health insurance coverage. Here at Health Insurance Online, we offer
information on several health insurance plans from companies such as
Anthem, Aetna, Humana One, Health Net, Kaiser Permanente and many more. Health
insurance plans come in many different types, such as individual health
insurance plans which include HMO's, PPO's, as well as Medigap health insurance
plans for seniors. These varying types of health insurance plans offer
different premiums, co-pay amounts, deductibles and more. Therefore, when
shopping through various health insurance plans for your needs, consider your
options carefully before choosing the health insurance coverage you need for
you or your family.

Family Health Insurance

Making sure your family has the
health insurance coverage you need for the peace of mind you deserve is
important and beneficial. Thankfully, most people can acquire family health insurance coverage through their employers, many of which are required to cover spouses and children of their
employees by law. This helps make having family health insurance affordable and
convenient. If you lose your job, you can still purchase an individual plan
that provides you with family health insurance at affordable rates. Many health
insurance providers provide affordable health insurance rates on plans covering
the entire family. Therefore, having family health insurance isn't only affordable,
but essential.

Student Health Insurance

Having children is an investment in
our future, so providing them with health insurance is very important for their
health, happiness and well-being. Most children are covered by their parents'
policies until they're the age of eighteen, upon which they must find a new
health insurance plan. This is where student health insurance comes into play. Many
parents purchase student health insurance for their newly-adult children as
soon as they hit eighteen years old, allowing their children to focus on more
important things such as college, student loans and so on. Thankfully, many
colleges offer discounted student health insurance, and if they don't, most
health insurance companies offer student health insurance also at discounted
rates.

For additional general health and
well being information visit the United States Department of Health and Human Resources
or Headquarter Insurance Online.