Homeowners Insurance Costs – Cut Your Bill In Half!

Homeowners insurance costs are on the rise and in some areas of the country premiums are astronomical. So how can you whittle your insurance cost down to a size you can afford? Read on ...

1. Switch Companies and Save up to 40%

I know some people who've saved $1,000 and more, and even gotten better service, by simply switching their homeowners insurance from one company to another

There are insurance websites where you can get homeowners quotes from a number of different companies so you can compare rates and choose the best one. Some of the better sites even have an insurance expert on call so you can chat with him or her online and get answers to any questions you may have.

It's fast, it's easy, and it won't cost you a dime. (See link below.)

2. Raise Your Deductible and save 15% to 35%

By raising your deductible from $500 to $1,000 you can save 15% to 25% on your insurance premium. Raising it to $2,500 can save you up to 35%.

Raising your deductible not only saves you money, it saves you from making too many small claims which can cause an insurance company to cancel your insurance.

3. Install Safety and Security Systems and save 5% to 20%

Installing safety and security systems like smoke detectors, fire alarms, burglar alarms, sprinkler systems, security lights, and security doors can save you 5% to 20% on your homeowners insurance costs.

This also makes your home a safer place to live in.

4. Ask for Other Discounts

You may not be aware of all the discounts you're entitled to like senior discounts and non-smoker discounts, so before you purchase a homeowners policy make sure you ask your agent about all the discounts his company offers.

Enabling Health Insurance Exchange Payer Integration

One of most challenging and time-consuming endeavor that States may need to undertake while setting up online health insurance exchanges is building a secure IT infrastructure for exchanging sensitive health and payment data with various state and federal agencies. To ensure that the health insurance consumers have a trouble free insurance shopping experience and do not get weighed down with excessive information submission and data verifications, a system needs to be set up that enables auto-population of all income, citizenship and other consumer specific data to reduce burdens on consumers and insurers.

In the present healthcare model, health Insurance exchange payers' integration can only be made possible through the use of information technology and utilizing the internet as a medium to transmit data. Payers aiming to market their products through the Exchanges to exchanges' projected million strong consumer pool, would need to have an IT system in place that integrates with HIX's internal networks to allow for seamless interchange of data.

Health exchange implementation administrators too need to work cohesively with the payers to draw out and shape a common strategy and vision to set up a robust IT infrastructure. At their end, states would also need to utilize federal resources and establish seamless connections with federal agencies and units such as the IRS, Treasury Department to verify health, income, citizenship and other demographical data to ensure that the data provided by consumers is true and accurate.

To help insurers easily integrate with the health insurance exchanges, some IT firms have designed scalable and affordable exchange connectivity solutions that can be integrated with insurers' internal IT network to facilitate secure and easy data interchange with multiple healthcare participants. A few of these available solutions boast of useful functionalities such as automated plan management that allows insurers to update their plans and benefits simultaneously across different public health insurance exchanges. Some software packages come loaded with automated modules that allow insurers to automatically share and mail SLA agreements to recipients. Insurers may also feel the requirements to regularly update or upgrade their health plans and benefits. Some of these software modules, facilitating health insurance exchange payer integration, significantly simplify the management of plan benefits and rates through automated applications.

Under the PPACA, October 2013 until January 2014, has been defined as open enrollment period for individuals and small businesses to enroll in health insurance exchanges. The insurance exchange business model depends on the effectiveness and smart management of the health insurance exchanges payers' integration, for it to be viable and successful. Insurers looking to market their health products through the public state exchanges or federal exchanges would need to quickly establish a smart IT structure that enables easy data interchange among various healthcare participants, to benefit from PPACA's health insurance exchange model.

Florida Group Health Insurance – Where To Get The Best Rate

Looking for Florida group health insurance? Here's how to get the best rate with an A-rated company.

What is Group Health Insurance?

Group health insurance is the most common type of policy in the United States. Typically, it is a policy that an employer purchases and offers to employees as a benefit. Costs are lower for the insured because the premium rates are lower than for individual policies, plus the employer usually pays part of the premium.

Other groups can also offer group insurance policies, such as fraternal organizations, credit unions, and alumni groups. In addition, self-employed people can be considered a ?group of one? and can qualify for a lower group rate if they can prove they are a legitimate business.

Lowering Your Costs

To save money on group health insurance plans, it?s important that you shop around for the best policy. Rates and features vary widely among insurance companies, so you need to comparison shop.

The easiest way to do this is to go to an insurance comparison website and fill out a simple online questionnaire. You'll receive quotes from multiple A-rated companies, allowing you to match your insurance needs to the best plan for the lowest cost.

You also want to make sure you consider all your insurance options. A variety of insurance plans are available today, from the traditional comprehensive plan we are all familiar with to less expensive variations such as:
* Major medical plans
* Managed care plans including Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs)
* High deductible plans
* Health savings accounts

Check Out the Insurance Company

Finally, before you sign up for any group coverage, make sure the company you choose is legitimate and financially sound. To check out an insurance company, go to your state?s department of insurance website. You can also go to the A.M. Best website () to check a company?s financial stability.

Where to Get the Best Rate