A unique feature of Medicare supplement policies is the Guaranteed Issue right. This means that you cannot be turned down, or that an insurance agent is required to sell you any Medicare supplement policy available in your state at that…
Once you have reached the age of 65 and are eligible for Medicare, the gaps in coverage quickly become evident. Medicare inpatient coverage requires deductibles and possibly per day charges. Outpatient procedures and care also involve annual deductibles and 20%…
Given the potentially devastating results of a house fire, it is essential that every homeowner take precautions to both avoid the risk of fire and to prepare for it in case it does. It is important to regularly evaluate your…
If knowledge is power, then knowing the most common causes and types of workplace injuries plays an important roll in preventing them. Information gathered by the Bureau of Labor Statistics in their 2015 report identified the most common workplace injuries…
Seemingly little things like a small spill or a strip of uneven flooring can mean big expense for a business in the event that a customer is injured on the business premises. General Liability coverage helps cover the costs of…
Medicare Supplement Policies (or Medigap) are extra health insurance policies that cover the cost of health care needs that aren't covered by your original Medicare policy. Private insurance companies like Santa Barbara Insurance offer plans that you can buy to…
Medicare Supplement Insurance (also called Medigap) covers the costs that Medicare does not. This includes deductibles, coinsurance, and co-payments. Unlike Medicare, Medicare Supplement policies are purchased through private insurance companies. They are not the same as Medicare Advantage Plans (or…
Business ownership comes with its own set of challenges, risks, and rewards. You can minimize the risks and protect your business with a variety of different business insurance policies. The following are business policies that you should consider as an…
From Baxter Insurance Hello All, We have been fielding many calls about health insurance recently so I thought it timely to get this notice out to everyone: There are big changes coming to health insurance in 2014 (Affordable Care Act/Obama-care).…
REFORMING HEALTH CARE INSURANCE Obamacare is the Patient Protection and Affordable Care Act of 2010. The main part of this Act requires you to have health insurance no later than March 1, 2014, or be subject to a tax. Obamacare…