CAR INSURANCE.YOU MAY BE ELIGIBLE DISCOUNT BASED ,HEALTH INSURANCE FOR SAME SEX

THE REQUIREMENTS FOR INSURANCE VARY FROM STATE TO STATE.CHECK WITH YOUR STATE INSURANCE REGULATER TO LEARN MORE ABOUT INDIVIDUAL REQUIREMENTS AS WELL AS INSURERS YOU MAY BE CONSIDERING FOR YOUR POLICY .TO GET THE BEST COVERAGE AT THE BEST PRICE GET SEVERAL QUATES FROM INSURANCE COMPNIES.IT MAY SAVE YOU HUNDRED OF DOLLARS A YEAR.OTHER WAYS TO REDUCE YOUR INSURANCE PRREMIUMS ARE:

• RISE YOUR DEDUCTIBLES ON COLISION AND COMPREHENSIVE COVERAGES .IF YOU HAVE OLD CAR YOU WANT TO DROP THESE COVERAGES  ALTOGETHER.

TAKE ADVANTAGE OF DISCOUNTS BASED ON THE NUMBER OF MILES YOU DRIVE ;YOUR AGE (25-50) YOUR GOOD GRADES IF YOU ARE A STUDENT YOUR DRIVING RECORD(NO MOVING VHECLE VIOLATIONS OR ANCIDENT IN THREE YEARS )OR IF YOUVE TAKEN A SAFE DRIVIONG COURSE. YOU  MIGHT ABLE TO GET DISCPOUNT IF YOU INSURE ONE VHICLE INSURE YOUR VHECLE AND YOUR HOME WITH THE SAME COMPANY HAVE ANTI-THEFT DEVICES AND SAFE FEATURES SUCH AS AIR BAGS AND ANTI THEFT  LOCK SYSTEM.
     INSURANCE TIPS

• when shoping for insurance on the internet,check that the website is secure ,look for the lock icon  ,a url that begins and never provide personal data if you dont trust the site.
• BE WARY OF PEOPLE SELLING INSURANCE DOOR TO DOOR AND OVER THE TELEPHONE.
• BE SUSPECIOUS IF AFTERA AN ACIDENT A STRANGER CONTACTS TO OFFER QUICK CASH OR RECOMENDS A PARTICULAR ATORNMY , MECHANIC OR HEALTHCARE PROVIDER . REPORT THE INCIDENT TO YOUR POLICE DEPARTMENT .
• DONT GIVE YOUR IDENTIFICATION NUMBER TO COMPANIES YOU DONT KNOW.

CARY A DISPOSABLE CAMERA IN YOUR GLAVE COMPARTMENNT.IF YOU ARE IN ANCIDENT TAKE PICTURE OF THE DAMAGE AND PEOPLE INVOLVED.ASK FOR TELEPHONE NUMBERS AND LICENSE.
RESEARCH YOUR OPTIONS AFFORTABLE CARE ACTTHE2010 AF
FORTABLE CARE ACT PUTS IN PLACE COMPREHENSIVE HEALTH REFORM THAT WILL ROLL OUT OVER SEVERAL  YEARS. MOST CHANGES WILL EFFECT BY2014 A TIMELINE OF PROVISION IS AVAILABLE THE LAW IS INTENDED TO LOWER HEALTH CARE COSTS, PROVIDE MORE HEALTH CARE CHOICES AND INHANCE THE QUAITY OF HEALTH CARE OF ALL AMERICAN. MAJOR PROVISION AFECTING CONSUMERS INCLUDE:

• COVERAGE FOR SENIORSS WHO HIT THE MEDICARE PRECREOTION DRUG DONUT HOLE INCLUDING OF REBATE FOR THOSE WHO REACH THE GAP IN DRUG COVERAGE 
• EXPENDED COVERAGE FOR YOUNG ADULTS, ALLOWING THEM TO STAY YOUR PARENTS PLAN UNTILL THEY TURN 26 YEARS  OLD.
• SMALL BUSINESS CREADITS TO HELP THESE COMPANIES PROVIDE INSURANCE COVERAGE TO THEIR WORKERS.

PROVIDING ACESS TO INSURANCE FOR UNINSURED AMERICAN WITH PRE EXISTING CONDITIONS.

MEDICARE AND MEDICAID

               THERE ARE ALSO HEALTH INSURANCE PROGRAMS FOR PEOPLE WHO ARE SENIORS DISABLE AND HAVE LOW INCOME.

• MEDICADE PROVIDE HEALTH INSURANCE FOR PEOPLE WITH LOW INCOME ,CHILDREN AND PREGNANT WOMEN .ELIGIBILITY IS DETERMINED BY YOUR STATE .MEICARE PROVIDE HEALTH INSURANCE FOR PEOPLE WHO ARE 65 YEARS OR OLDER  ,SOME YOUNGER PEOPLE WITH DISABILITIES , AND THOSE WITH KIDNEY FAILURE.

   HEALTHCARE PLANS 

• TRADITIONAL FEE FOR SEVICE HEALTH INSURANCE PLANS ARE USUALLY THE MOST EXPENSIVE CHOICE.BUT THEY OFFER YOU THE MOST FLEXBILITY WHEN CHOSING HELTHCARE PROVIDERS .
• HEALTH MAINTANANCE ORGNIZATION (HMO)OFFER LOWER CO PAYMENT AND COVER THE COST OF MORE PREVANTATIVE CARE BUT YOUR CHOICE OF HEALTHCARE PROVIDERS IS LIMITED.

PREFFERED PROVIDER ORGANIZATIONS OFFER LOWER CO PAYMENTS LIKE HMO BUT GIVE YOU MORE  FLEXBILITY WHEN SLECTING A PROVIDER . A PPO GIVES YOU A LIST OF PROVIDERS YOU CAN CHOSE FROM.

 APPEALING HEALTH INSURANCE CLAIMS 

IF YOUR HEALTH INSURANCE HAS DENIED COVERAGE FOR MEDICAL CARE  YOU RECIVED YOU HAVE A RIGHT TO APPEAL TO CLAIM AND  ASK THAT 

THE COMPANY  REVERSE THAT THE COMPANY REVERSE THAT DECION  YOU CAN BE YOUR HEALTH .

    HEALTH INSURANCE FOR SAME SEX PATNERS OF FOREGION SERVICE OFFICE.
RESTRICTIVE COVERAGE
   UNLIKE THE HEALTH INSURANCE OPTIONS PROVIDED TO FEDRAL EMPLOYES AND THEIR CHILDREN AND OPPOSITE SEX SPOUSES THERE IS TOO MY KNOWLEDGE NO INTERNATIONAL HEALTH INSURANCE COMPANY THAT WILL COVER PREEXISTING CONDITION .THIS LIMITATION MAKES SWITCHING POLICIES EXEPTIONALY TRICKY IF YOU HAVE ANY MEDICAL CONDITION OR A MEDICAL HISTORY THAT INCLUDES A SERIOUS ILLNESS OR OPERATION.
CONCLUSION
   NO INSURANCE PLAN COMES CLOSE TO APROXIMATING THE COVERAGE AND LOW COST OF THE FEDRAL INSURANCE OFFERD TO MARIED OPPOSITE SEX PARTNER..