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Medical savings account is an account that offers reimbursements for covered medical expenses. It is neither funded by an employer or employee. Tax deferred interests can be accumulated in the savings account, just like individual retirement account (IRA). The funds in a medical savings account are controlled by the owner of the account. You must have a high deductible health insurance plan before you will be considered for a medical savings account.
High deductible health insurance plan refers to health insurance plan with high deductible rate. Many insurers offer high deductible health insurance plans. According to the rules, every insurance policy buyer that contributes to a health savings account must possess a policy with a deductible worth at least $1100. If your health policy covers the family members, your coverage must worth at least $2200.
Flexible spending arrangements refer to the money that is set aside by your employers to pay for the medical expenses. It can be offered with a health insurance plan. Flexible spending arrangement account can only be set up by the employers. The money that is used to contribute to the account is not taxed yet. Employers will use a percentage of your pretax paycheck to contribute to the account. Employers can contribute their own money to the account. If the employer is allowed to make contribution, he cannot contribute higher than the limit set by the insurance company.
Disability health care insurance offers compensation for people who are disabled and unable to work. If your work place is dangerous, you should consider getting a disability health care insurance. In the event that you become disabled, you can file a claim and get compensation for the daily living cost. The benefits received from the insurance company can be used to pay all kinds of medical expenses including rental fee, grocery fee, and etc.
Under the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), your company is suppose to offer you health insurance coverage after you have quit the job. The company health insurance plan will provide coverage for up to 18 months. If the employee died, his family will receive the beneficiaries. The employee’s family will receive coverage for 3 years. If you want to use the company’s health insurance coverage, you have to inform your employer in 2 months and ay the full premium cost.
Obese people face a high risk of getting contracted with all kinds of diseases including diabetes, heart attack, arthritis and etc. It refers to people that weight more than 100 pounds. Because of the high risk to diseases, it is important for obese people to buy health insurance so that their medical costs will be covered. Many insurance companies will charge high premium rates on obese people because of the high health risk.
Family health insurance is necessary for married couples that have children. Normally, family health insurance is offered by the employer. If the employer did not offer the family health insurance, you need to buy it yourself. There are three types of family health insurance including fee for services, health maintenance organization, and preferred provider organization health insurance.
Health reimbursement account will pay for the health care expenses for employees. It is also known by other names including health reimbursement arrangements, and personal care account. Rules for the health reimbursement account were introduced by the U.S. Department of the Treasury in June 2002.
Managed care health insurance covers the medical costs of the members who use the medical providers in the plan. The insurer will pay for all your medical services in advance. Just like other types of insurance, you are required to pay a premium. The premium can be paid monthly, quarterly or annually. The monthly payment is the same regardless of whether you use the medical service.
The health insurance industry is a competitive industry. Many health insurance companies are constantly lowering the price to survive in the competition. If you are an employee, your company should offer several insurance plans at a discount rate. Despite that, the health insurance plan offered by your employee is not your only choice. If you the employer health insurance plan offer insufficient coverage, you can find your own insurance. It is important that you perform research to find out which health insurance plan suits you.