Insurance Basics Information For EveryOne

Most people get health insurance through a job-based health plan, or they buy it themselves from an insurance company. 

If you have to buy insurance on your own, many kinds of private health insurance policies are for sale. Different kinds of policies can offer very different kinds of benefits and can limit your access to some doctors, hospitals, or other providers. 

The kinds of benefits and which care providers your policy covers can make a big difference in your costs and the quality of care you get if you become ill.

Can I keep my current doctor?

Private health insurance plans often have networks of hospitals, doctors, specialists, pharmacies, and other health care providers. Networks include health care providers that have a contract with an insurer to take care of the plan’s members. 

When choosing a plan, review the list of providers that give care under the policy. If staying with your current doctors is important to you, check to see if they are included.

Depending on the type of policy you buy, care may be covered only when received from a network provider.  To get care from a specialist you may need a referral from your primary care doctor.

Accident, sickness and unemployment insurance

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• Disability insurance policies provide financial support in the event of the policyholder becoming unable to work because of disabling illness or injury. It provides monthly support to help pay such obligations as mortgage loans and credit cards. Short-term and long-term disability policies are available to individuals, but considering the expense, long-term policies are generally obtained only by those with at least six-figure incomes, such as doctors, lawyers, etc. Short-term disability insurance covers a person for a period typically up to six months, paying a stipend each month to cover medical bills and other necessities.
• Long-term disability insurance covers an individual's expenses for the long term, up until such time as they are considered permanently disabled and thereafter. Insurance companies will often try to encourage the person back into employment in preference to and before declaring them unable to work at all and therefore totally disabled.
• Disability overhead insurance allows business owners to cover the overhead expenses of their business while they are unable to work.
• Total permanent disability insurance provides benefits when a person is permanently disabled and can no longer work in their profession, often taken as an adjunct to life insurance.
• Workers' compensation insurance replaces all or part of a worker's wages lost and accompanying medical expenses incurred because of a job-related injury.

How Many Types of Insurance 2015

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Hi

Today I am Going to Tell you That How Many Types Of Insurance


Types of Insurance

A

Alien abduction insurance

Assumption reinsurance

Auto repair insurance

Aviation insurance


B

Bancassurance

Bond insurance

Builder's risk insurance

Business interruption insurance

Business overhead expense disability insurance


C

Casualty insurance

Catastrophe bond

Chargeback insurance

Computer insurance

Contents insurance

Credit insurance

Crime insurance

Crop insurance


D

Death bond


Deposit insurance

Directors and officers liability insurance

Dual trigger insurance


E

Earthquake insurance

Expatriate insurance


F

Fidelity bond

Financial reinsurance

FLEXA

Flood insurance


G

General insurance

German Statutory Accident Insurance

Group insurance

Guaranteed asset protection insurance


H

Home insurance


I

Income protection insurance

Inland marine insurance


J

User:Jordan nls


K

Key person insurance

Kidnap and ransom insurance


L

Landlords insurance

Legal expenses insurance

Lenders mortgage insurance

Liability insurance

Lincoln Income Life Insurance Company

Locked Funds Insurance

Longevity bond

Longevity insurance


M

Marine insurance

Mortgage insurance

Mutual insurance


N

No-fault insurance


P


Parametric insurance

Payment protection insurance

Pension term assurance

Perpetual insurance

Pet insurance

Political risk insurance

Pollution insurance

Pre-paid legal service

Prize indemnity insurance

Professional liability insurance

Property insurance

Protection and indemnity insurance


R

Reinsurance

Rent guarantee insurance

Risk purchasing group


S

Satellite insurance


T

Terminal illness insurance

Terrorism insurance

TMSF

Trade credit insurance

Travel insurance


U

UCC Insurance

Uninsured employer (US)

Workers' compensation employer defense

Unit-linked insurance plan


V

Full tort and limited tort automobile insurance

Motorist coverage in Pennsylvania

Vehicle insurance


W

Wage insurance

War risk insurance

Weather insurance

Worker's compensation (Germany)

Workers' compensation


Z

Zombie fund

Bankers Life and Casualty 2015

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Established in 1879 in Chicago, Bankers Life and Casualty Company focuses on the insurance needs of the retirement market. The nationwide company, a subsidiary of CNO Financial Group, Inc. (formerly Conseco), offers a broad portfolio of life and health insurance retirement products designed especially for seniors.

Bankers has more than 1.3 million policyholders and offers a comprehensive portfolio of insurance products including long-term care and life insurance, annuities, and Medicare products including supplement plans, Medicare Advantage Plans and Medicare Part D prescription drug coverage.

The Wall Street Journal reported that Bankers also offers vision and dental plans through a partnership with Humana.

The company sells its products through a network of over 5,000 insurance agents based in over 200 nationwide branch offices.

In business since 1879, the company was developed and owned by Chicago insurance man John D. MacArthur since 1935. At the time of his death in 1978, control of the company passed to the John D. and Catherine T. MacArthur Foundation, a major charitable institution in the U.S. The foundation later sold Bankers Life and Casualty Company.

Today, Bankers is a subsidiary of CNO Financial Group, Inc., a holding company for a group of insurance companies operating throughout the United States.

As of 2010, Bankers has $13 billion in assets under management. In 2010, Bankers processed more than seven million claims and paid out more than $1.1 billion in policy benefits.

Bankers was named one of the top 10 long-term care insurers in 2009 by LIMRA.

American Income Life Insurance Company

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American Income Life Insurance Company (formerly NASDAQ: AINC) based in Waco, Texas, provides supplemental life insurance to labor unions, credit unions, and associations. American Income Life (AIL) was founded in 1951. The company’s executive offices have been located in Waco, Texas, since 1959. American Income Life is licensed in 49 states, the District of Columbia, Canada, and is registered to carry on business in New Zealand. AIL also has two wholly owned subsidiaries: National Income Life Insurance Company, licensed in the state of New York, and Union Heritage Life Assurance Company Limited, licensed in the Republic of Ireland.

AIL has more than two million policyholders (as of 6/10). With its New York subsidiary, National Income Life Insurance Company (NILICO), the company has combined assets of more than $2.2 billion with more than $35.2 billion of life insurance in force (as of 12/10). American Income Life is a wholly owned subsidiary of Torchmark Corporation (NYSE: TMK), based in McKinney, Texas.

American Family Insurance 2015

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American Family Insurance (aka AmFam) is a private mutual company that focuses on property, casualty and auto insurance, but also offers commercial insurance, life, health, and homeowners coverage, as well as investment and retirement-planning products. A Fortune 500 company, its revenues for 2008 were over $6.7 billion.

Subsidiaries

Companies of the American Family Insurance Group include:

• American Family Mutual Insurance Company (AFMIC)
• American Standard Insurance Company (ASIC)
• American Family Life Insurance Company (AFLIC)
• American Family Brokerage, Inc. (AFB)
• American Family Insurance Company of Ohio (AFICO; Ohio subsidiary, companion to American Family Mutual Insurance Company)
• American Standard Insurance Company of Ohio (ASICO; Ohio subsidiary; companion to American Standard Insurance Company of Wisconsin)
• American Family Securities, LLC (AFS)
• Amfam.com Inc.(AMFAM)

Insurance Companies in The United States of America (USA)

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You want all the insurance companies of the USA? Here it is. An entire list of all the insurance companies in the United States. Ranging from the best to the worst. In the coming days we will be writing about each insurance company in this list. Stay tuned!

This Is All My Search and i am going to share with you,,
Hope it will be helpful for you ,

U.S. insurance companies
    21st Century Insurance
    AccuQuote
    Aflac
    Alleghany Corporation
    Allied Insurance
    Allstate
    American Automobile Association
    American Family Insurance
    American Income Life Insurance Company
    American International Group (AIG)
    American National Insurance Company
    Americo Financial Life and Annuity Insurance Company
    Ameritas
    Amica Mutual Insurance
    Aon Corporation
    Assurant
    Assurity
    Auto-Owners Insurance
    AXA Equitable Life Insurance Company
    Bankers Life and Casualty Company
    Berkshire Hathaway
    California Casualty
    Capital Insurance Group
    Cincinnati Insurance Company
    CNA Financial
    Colonial Life & Accident Insurance Company
    Commerce Insurance Group
    Conseco
    Country Financial
    Chartis
    Chubb Corp.
    Encompass Insurance Company
    Equitable Life & Casualty Insurance Company
    Erie Insurance Group
    Esurance
    Everest Re Group
    Evergreen USA RRG
    Farmers Insurance Group
    Federated Mutual Insurance Company
    GAINSCO
    GEICO
    General Re
    Genworth Financial
    GMAC Insurance
    Guardian Life Insurance Company of America
    Hanover Insurance
    The Hartford
    HCC Insurance Holdings
    Hereford Insurance Company
    Hiscox Insurance Company Inc
    Infinity Property & Casualty Corporation
    Insurance Company of the West (ICW Group)
    International Fidelity Insurance Company
    Illinois Mutual
    Iroquois Group Inc.
    Jackson National Life
    John Hancock Insurance
    Kemper Insurance
    K&K Insurance
    Knights of Columbus
    La Playa Insurance
    lgap Insurance
    Knights of Columbus Insurance
    Liberty Mutual
    Lincoln National Corporation
    Markel Corporation
    MassMutual Financial Group
    Merchants Insurance Group
    Mercury Insurance Group
    MetLife
    Mutual of America
    Mutual of Omaha
    Nationwide Mutual Insurance Company
    New Jersey Manufacturers Insurance Company
    New York Life Insurance Company
    Northwestern Mutual
    Ohio National
    OneBeacon
    Oxford Health Plans
    Orange County Insurance Agency
    Pacific Life
    PEMCO
    Penn Mutual
    Primerica
    Principal Financial Group
    Progressive
    Protective Life
    Prudential Financial
    The Regence Group
    Reliance Insurance Company
    Response Insurance
    RLI Corp.
    Safe Auto Insurance Company
    Safeco
    Safeway Insurance Group
    Sentry Insurance
    Selective Insurance
    Seven Corners Inc
    Shelter Insurance
    Southern Aid and Insurance Company
    Standard Insurance Company
    State Farm Insurance
    Symetra
    Tri-State Consumer Insurance Company
    TIAA-CREF
    The Travelers Companies
    Uniguard - Headquarter in greater Seattle area
    United Auto Insurance Company
    Unitrin Direct Auto Insurance
    Unum
    Vantislife Insurance Company
    USAA
    Wawanesa Insurance USA (CA and OR)
    West Coast Life
    Western Mutual Insurance Group
    Western & Southern Financial Group
    Westfield Insurance
    Western Reserve Life Insurance Company
    White Mountains Insurance Group


Annuity

    Allstate
    American Family Insurance
    American Fidelity Assurance
    Amica Mutual Insurance
    Aviva
    AXA Equitable Life Insurance Company
    Bankers Life and Casualty
    Conseco
    Farmers Insurance Group
    Fidelity
    Genworth Financial
    ING Group
    Jackson National Life
    John Hancock Insurance
    Lincoln National Corporation
    MetLife
    Mutual of Omaha
    Nationwide Mutual Insurance Company
    Old Mutual
    Pacific Life
    Protective Life
    Prudential Financial
    Standard Insurance Company
    State Farm Insurance
    Thrivent Financial for Lutherans
    TIAA-CREF
    Transamerica Corporation
    UNIFI Companies
    United of Omaha
    Western & Southern Financial Group


Health insurance (major medical insurance)

    Roseville Insurance
    AARP
    Aetna
    American Family Insurance
    American National Insurance Company
    Amerigroup
    Anthem Blue Cross and Blue Shield
    Assurant
    Blue Cross and Blue Shield Association
    Celtic Insurance Company, subsidiary of Centene Corporation
    Centene Corporation
    Cigna
    Coventry Health Care
    EmblemHealth
    Fortis
    Golden Rule Insurance Company
    Group Health Cooperative
    GHI
    Health Net
    HealthMarkets
    HealthSpring
    Highmark
    Humana
    Independence Blue Cross
    Kaiser Permanente
    LifeWise Health Plan of Oregon
    Medical Mutual of Ohio
    Molina Healthcare
    Premera Blue Cross
    Principal Financial Group
    The Regence Group
    Shelter Insurance
    Thrivent Financial for Lutherans
    UnitedHealth Group
    Unitrin
    Universal American Corporation
    WellCare Health Plans
    WellPoint


Medicare

    Aetna
    American Family Insurance
    Bankers Life and Casualty
    Conseco
    Mutual of Omaha
    Premera Blue Cross
    Thrivent Financial for Lutherans
    Kaiser Permanente


Supplemental insurance

    Aflac
    Allstate
    American Fidelity Assurance
    Colonial Life & Accident Insurance Company
    Conseco
    Liberty National Life Insurance Company
    Mutual of Omaha


Supplemental health insurance

    Family Heritage
    Aflac
    Allstate
    MEGA Life and Health Insurance
    State Farm Insurance
    AARP


Travel insurance

    Access America, a brand of Mondial Assistance Group
    International Medical Group
    Seven Corners, Inc.
    Travel Guard
    Usa-Assist Worldwide Protection
    Aeromedevac
    Missionary Travel Association
    MediMundi Travel Directory


Workers' compensation
Assist Card

    Accident Fund
    American International Group (AIG)
    CompWest
    Erie Insurance Group
    Hanover Insurance
    The Hartford
    Liberty Mutual
    Merchants Insurance Group
    Missouri Employers Mutual
    Nationwide Mutual Insurance Company
    Penn National Insurance
    Sentry Insurance
    State Accident Insurance Fund
    State Compensation Insurance Fund
    State Farm Insurance
    Third Coast Underwriters (3CU)
    United Heartland
    WellPoint
    Zenith Insurance Company
via insurancea2z

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Affordable Care Act (Obamacare)

The Affordable Care Act (ACA), also known as Obamacare, is intended to lower health care costs, provide more health care choices, and improve the quality of health care. Major provisions include:

• Coverage for seniors who hit the Medicare Prescription Drug coverage gap, or "donut hole"
• Expanded coverage for young adults, allowing them to stay on their parents' plan until age 26
• Access to insurance for people with pre-existing conditions
• The end of annual and lifetime dollar limits on coverage
• Small business tax credits to help companies provide insurance coverage to their workers

When and How to Enroll

The Open Enrollment period begins on November 1, 2015 and ends on January 31, 2016. You can enroll year round if you have certain life changes — like getting married, having a baby, losing other coverage, or moving — or if you qualify for Medicaid or CHIP.
Apply for health insurance coverage through the ACA Marketplace:

• Create an account and apply online at HealthCare.gov
• Apply by phone at 1-800-318-2596 or TTY at 1-855-889-4325
• Find a local center to apply in person
• Download an application form to apply by mail

Get more information about common ACA questions.

Continuation of Health Coverage: COBRA

The Consolidated Omnibus Budget Reconciliation Act (COBRA) provides continuation of group health coverage that otherwise might be terminated. COBRA contains provisions giving certain former employees, retirees, spouses, former spouses, and dependent children the right to temporary continuation of health coverage at group rates. Qualified individuals may be required to pay the entire premium for coverage up to 102 percent of the cost to the plan.For more COBRA information, view An Employee's Guide to Health Benefits under COBRA (PDF, Download Adobe Reader).

Get More Information or Help

If you have questions or complaints about your COBRA coverage, contact your plan administrator or the Employee Benefits Security Administration (EBSA).
Note: In some cases, you can change from COBRA coverage to Marketplace health insurance coverage.

Health Insurance Plans

Health insurance helps you pay for medical services and sometimes prescription drugs. Once you purchase insurance coverage, you and your health insurer each agree to pay a part of your medical expenses. These amounts are usually a certain dollar amount or percentage of the expense.
You can have health care coverage through:

• a group coverage plan at your job or your spouse/partner's job
• your parents' insurance plan, if you are under 26 years old
• government programs such as Medicare, Medicaid, or Children's Health Insurance Program (CHIP)
• the Veteran's Administration  or TRICARE for military personnel
• your state, if it provides a health insurance plan
• a plan you purchase on your own directly from a health insurance company or through the Health Insurance Marketplace
• Continuing Employer coverage from your former employer, on a temporary basis under the Consolidated Omnibus Budget Reconciliation Act (COBRA)

Types of Health Insurance Plans

When purchasing health insurance, your choices typically fall into one of three categories:

• Traditional fee-for-service health insurance plans are usually the most expensive choice, but they offer you the most flexibility in choosing health care providers.
• Health maintenance organizations (HMOs) offer lower co-payments and cover the costs of more preventive care, but your choice of health care providers is limited.
• Preferred provider organizations (PPOs) offer lower co-payments like HMOs but give you more flexibility in selecting a provider.

Choosing a Health Insurance Plan

When choosing among different health care plans, you will need to read the fine print and ask a lot of questions, such as:

• Do I have the right to go to any doctor, hospital, clinic, or pharmacy I choose?
• Are specialists such as eye doctors and dentists covered?
• Does the plan cover special conditions or treatments such as pregnancy, psychiatric care, and physical therapy?
• Does the plan cover home care or nursing home care?
• Will the plan cover all medications my physician may prescribe?
• What are the deductibles? Are there any co-payments? Deductibles are the amount you must pay before your insurance company will pay a claim. These differ from co-payments, which are the amount of money you pay when you receive medical services or a prescription.
• What is the most I will have to pay out of my own pocket to cover expenses?
• If there is a dispute about a bill or service, how is it handled?

Long-Term Care

Long-Term Care Resources

Long-Term Care (LTC) is a variety of services that include medical and non-medical care for people who have chronic illnesses or disabilities.
If you are thinking about long-term care needs for you or your loved one, check out the following resources:

• Find local long-term care services
• Assess the cost of care
• Learn about legal issues to consider

Long-Term Care Insurance 

Most health insurance plans and Medicare severely limit or exclude long-term care. Read the Guide to Long-term Care Insurance. You should consider these costs as you plan for retirement.
Here are some questions to ask when considering a separate long-term care insurance policy.

• What qualifies you for benefits? Some insurers say you must be unable to perform a specific number of the following activities of daily living: eating, walking, getting from bed to a chair, dressing, bathing, using a toilet and remaining continent.
• What type of care is covered? Does the policy cover nursing home care? What about coverage for assisted living facilities that provide less client care than a nursing home? If you want to stay in your home, will it pay for care provided by visiting nurses and therapists? What about help with food preparation and housecleaning?
• What will the benefit amount be? Most plans are written to provide a specific dollar benefit per day. The benefit for home care is usually about half the nursing-home benefit. But some policies pay the same for both forms of care. Other plans pay only for your actual expenses.
• What is the benefit period? It is possible to get a policy with lifetime benefits but this can be very expensive. Other options for coverage are from one to six years. The average nursing home stay is about 2.5 years.
• Is the benefit adjusted for inflation? If you buy a policy prior to age 60, you face the risk that a fixed daily benefit will not be enough by the time you need it.
• Is there a waiting period before benefits begin? A 20 to 100 day period is not unusual.

Complaints about Long-Term Care

To report an emergency where there is immediate danger, call 911 or contact your local authorities.
If you have a complaint about a long term-care facility, read about the long-term care ombudsman (PDF, Download Adobe Reader) program, which investigates complaints.
If you have an elder abuse complaint, contact your long-term ombudsman or local elder abuse resources.

Medical and Health Resources for People with Disabilities

There are many resources available to help people with disabilities with their medical and health needs:

• Visit the Health section of Disability.gov for information and links to various health resources for people with disabilities.
• Explore the Disability and Health section of CDC.gov for articles, programs, tips for healthy living and more for people with disabilities.
• Learn more about assistance and benefits for people with disabilites from the Social Security Administration. 
• Contact your local city or county government to determine what assistance is available in your area to help people with disabilities with their medical and health needs.
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 via https://www.usa.gov/finding-health-insurance