Honest Review on “The New Health Insurance Solution” Best Selling Book

I purchased the book in order to find a market regarding the holistic health benefits network for which I sell. This book enlightens those who are “working for the man” and the reason for sky rocking health cost. People who rarely see the doctor are paying premiums for older people in their workplace who enjoy unhealthy lifestyles and are addicted to lifestyle drugs.

The solution to this situation is presented in purchasing a private policy. It also indicates how affordable these private policies can be. However, the author misleads the reader in regards to premium rates and premium increases. On page 10 and other pages he writes “premiums on most individual/family policies cannot be increased.” Guess what, depending upon the health, claims, and cost within that group, the insurance company can and do indeed increase premiums. The author contradicts his own statement on page 20 by saying “Monthly premiums paid for individual policies typically increase annually with the level of inflation or overall medical costs.”

The author also indicates in several areas of the book that “good health insurance” for an individual or a family is now only $150.00 to $300.00 per month. The term “good health insurance” is what to this author? On page 26, he contends he pays $400.00 a month for a “superdeluxe” family policy for a family of six and he is 51 years of age. He fails to mention his “superdeluxe high deductible.”

The book explains how insurance companies are raising premiums by using an item called uprating. The author experienced this situation because of what a doctor wrote about a minor back problem. This author is an experienced insurance salesman (selling mostly for Blue Cross Blue Shield). He brags how he was able to “counteroffer”the increase from $400.00 a month to $520.00 back down to $460.00 a month. I wonder how many people (not being a broker for Blue Cross Blue Shield could work that out?)

The author offers no solution to those who are uninsurable other than obtaining insurance through a high risk pool of costs upward of $4800.00 a year, only if your state has such an animal. It is interesting that a book titled The New Health Insurance Solution would omit a chapter on discount health benefit programs. If the author used such a discount program with his chiropractor, his minor back injury would not have been reported to the big “medical computer in the sky” and he wouldn’t have been uprated by Blue Cross Blue Shield.

Chapter 10 talks about How to Be a Smart Healthcare Shopper, but nowhere in the book does he discuss the options available regarding health benefit discount programs (other than a discount prescription card). Smart Healthcare Shoppers are joining members of nationwide companies like Ameriplan, where they receive discounts on the actual costs of their medical care. Ameriplan members get discounts without paying high cost premiums supporting the sick and older people in their insurance pool. Discount health programs also do not report to the big “medical computer in the sky.”

Business Insurance Solutions for All Business Types

As a business owner or manager, he or she takes the responsibility to work harder and more effectively to ensure its success. But it is inevitable for some situations and occurrences to happen, which may affect profitability and success. Things that are out of your control may strike and pull down your venture. This is why you should consider investing in appropriate business insurance. Your business should not easily go down the drain when a major financial crisis hits.

Business insurance is insurance product that is specifically and especially designed to cater to a commercial or business interest. It is also known as commercial insurance. What is different about it is that there are many types of business insurance products available to cover different kinds of ventures. Here are some of the most popular insurance solutions for different kinds of businesses.

Commercial property insurance covers buildings and its contents like stock, equipment, and machineries. It is taken to guard against any physical damage or loss. At times, it is paired with business interruption insurance, which in turn compensates for lost income due to sudden closure or operations halt. Commercial general liability covers property damage or bodily injury to other people. This is the product that insures customers who get hurt or injured while at the premises of your own business. This also covers any damage to properties of other people as part of your business operations or tasks.

Professional liability is helpful when customers claim for damages incurred when your staff or business incorrectly did tasks. Your business has to shoulder expenses to correct or repair damages brought upon by mistakes performed by your company and employees. Accounts receivable insurance covers loss of business records due to calamity or other inevitable occurrences. It covers uncollectible amounts from clients. Lastly, crime coverage and fidelity bonds cover losses incurred from crimes like robbery, burglary, or theft.

Overall, business insurance can really help you obtain protection against significant losses that can be devastating enough to impact your venture. It is advisable that such insurance be made an important and necessary factor in your business plans. You should intend to protect your business, your income, and your assets. Fortunately, this type of insurance is now more popular that numerous insurers get more competitive to offer their products. Investing in business insurance will certainly not hurt, although doing so may also cost a significant amount.

Health Insurance Solutions Available on the State Exchange

Though functionality of the health Exchange will be initially limited, nonetheless it will provide health insurance solutions to wide range of residents in the state. The online platform will open its doors to citizens looking for individual or group health plans and small business firms wanting group coverage for their employees.

Health insurance solutions that are available through the insurance Exchange include medical plans for individual, families, group and group coverage for the employees of small business firms. Only those insurance companies that follow the federal guidelines and spend a minimum of 80% of their premium dollars on providing healthcare will be allowed to sell their products through the Exchange.

The platform for individuals will host health plans for individuals, families and small groups. Residents will be able to check the various options online, compare plans across health insurance companies and buy their health plans directly from the company. E-apps will ensure that the applications are processed faster and residents get their medical coverage quickly. All the health plans available on the Exchange will be valid according to the new federal regulations and the residents will not have to worry anymore about scams and fraudulent plans.

The health Exchange would be an easy portal for the Admin to govern. Rate changes, new information, product brochure can all be uploaded and updated in real time. The Admin will also have access to a detailed analysis of the traffic which will help them in their further course of action. The analysis will be about the various age segments that visit the Exchange, their preferred health plans, the source of traffic, the conversion rates and the likes.

Small Business Health Option Plans (SHOP) is a part of the Exchange that caters exclusively to small firms looking for group coverage for their employees. Here too, firms will be able to look at and compare across the health insurance companies. Employees would be able to log in to the Exchange to make their individual changes to the details of the policy like adding a family member, or deciding the amount to be contributed to FSA and HAS. Through the e-apps available on the Exchange, employees would be able to use the following features:

- Apply online
- Partial filling, and save & come back later features
- E-sign the application
- Track the status of application online
- Supports completion of semi-filled application by printing & filling it in by hand
- Allows submission of paper application via e-mail or fax
- Automatic conversion of existing PDFs into e-Applications.

The analysis of SHOP traffic would include details such as:

- Segmentation of consumers by size and types of business and the area they are located in
- The source of traffic
- Traffic Trend
- Conversion rate and trend
- Effectiveness of sales and marketing campaign

For the residents and small businesses operating, insurance solutions on the health Exchange are the easiest way to access coverage. No one is denied coverage due to the prior health status of the resident and application gets processed easier and faster.

Shaun Mike is an expert on health insurance Solutions and is currently studying about the intricacies of the state health exchange that are to be formed soon.

Health Savings Accounts Provide Affordable Health Insurance Solutions

Millions of Americans have recently been faced with the task of finding their own affordable healthcare plans for themselves and their families after they have lost their jobs. Already in 2009 alone, an estimated that 7 million Americans who lost their jobs as a result of the recession will have to pay COBRA health insurance premiums in order to maintain their health insurance plans.

The good news for these millions of recently unemployed workers is that a new government Act – the American Recovery and Reinvestment Act (ARRA) – has been put into place in many states to help these individuals and their families afford to pay for their COBRA healthcare. However, the ARRA and COBRA only provide temporary financial relief and, for many, the programs are about to end. Health Savings Accounts may be viable healthcare solutions for these employees.

Working with COBRA

COBRA is a program that allows employees who have lost their jobs through no fault of their own to continue with the same healthcare plans that they had been receiving through their employers. The COBRA program is temporary and, while employees are able to maintain their same health insurance plans, employees do have to pay more for the health insurance premiums on their COBRA plans than they paid while they were employed.

Historically, COBRA premiums have been difficult for laid-off workers to afford on their own. Yet, because many workers were able to quickly find reemployment after being laid off, many workers chose to use the COBRA option as a temporary health insurance solution while they were between jobs.

However, with current challenging economic conditions, it has not been possible for many workers to find reemployment, which means that they have had to pay high COBRA premiums for longer periods of time – or opt to forgo health insurance altogether. Therefore, while COBRA programs have been an affective short-term solution to help workers get through a temporary job loss, they are not able to provide affordable or long-term health insurance.

American Recovery and Reinvestment Act

In order to help workers more easily afford COBRA (and retain healthcare coverage) the federal government instated the American Recovery and Reinvestment Act (ARRA), which has been adopted by some states.

Under the ARRA, workers who lost their jobs during the recession are only required to pay 35 percent of their COBRA health insurance premiums, while the federal government pays the remaining 65 percent. This Act is adopted on a state-by-state basis and has been an effective short-term solution for millions of Americans. However, the state COBRA coverage only lasts from six to nine months, depending on an individual’s state. Federal COBRA coverage lasts up to 18 months, in most cases.

For many Americans currently enrolled in COBRA health insurance programs, COBRA and/or ARRA financial support is about to expire. Americans who are still unemployed are now challenged to find affordable healthcare plans for themselves and their families. It is especially important for them to enroll in a new health insurance program before their COBRA benefits expire so that they will be able to maintain healthcare coverage at all times.

Health Savings Account Options

For individuals who have lost their jobs, a Health Savings Account is generally a very affordable and effective health insurance solution. Health Savings Accounts are used by individuals in all industries and financial situations to save money, including small business owners, businesses, unemployed individuals, families, financial-savvy employees, and more.

A Health Savings Account is similar to an IRA in that individuals set aside money into the health savings account that they can then invest in high interest-yielding stocks, bonds, money markets, and more. The money that an individual puts into the health savings account is tax-deductible and can grow tax-free. When an individual needs to pay for a qualifying health-related expense, he or she can withdraw money from the health savings account to pay for it without paying tax.

One of the many benefits of a Health Savings Account is that individuals can use the funds from their accounts as they wish. However, if they withdraw money for a non-healthcare related expense, they will pay taxes on the funds that they withdraw. When they leave funds in their Health Savings Account, the money can grow completely tax-free for life.

In order to establish a Health Savings Account, individuals need to open a qualifying high-deductible health insurance account. Health Savings Accounts can be used by individuals and families. There are also maximum annual contributions for individual and family Health Savings Accounts, which are subject to change every year.

Health Savings Accounts are not only affordable health insurance solutions for individuals who have COBRA accounts that are about to expire, but they are also excellent solutions for many laid-off workers. For many individuals, Health Savings Accounts are more affordable and financially smart health insurance solutions than COBRA plans. Individuals should speak with an insurance advisor to find the right insurance solutions for themselves and their families.

Getting Some Auto Insurance Solutions

When you’re in a bind and you just can’t seem to be able to pay your auto insurance, you wonder how to lower the bill. These auto insurance solutions are a few suggestions that you need to try. Using them may be the best way to get a lower premium.

First off you need to ensure that you’re using all the discounts that you can for your premium. Many companies out there will provide discounts if you have more than one car insured through them. Any type of safety feature that may be in your vehicle can also provide a nice break on the cost of your premiums.

Some examples are automatic seatbelts, or even antilock brakes. Plus there are different defensive driving courses that if you take you can get a break on that cost of insurance too.

Check to see what the minimums for coverage are in your state, and see that you have just the bare minimums for your coverage. Many states don’t require that you have insurance for people who are driving without insurance.

Try to see about making your deductible a higher amount. It’s one of the easiest and possibly quickest ways that you can see a difference in your cost of insurance. Plus you need to get auto insurance comparisons every once in a while.

Checking online and pulling up several comparisons will be a great way that you can save money. So use this system and make sure you’re not paying too much on your coverage.

You should also inquire through your insurance agent or even DMV for other ideas on how to save on insurance. Use all avenues of trying to save some money on your policy. If your company provides property insurance too, you should see if they give a discount if you have that coverage along with your car insurance.

How To Make Money Using an Udemy Online Teaching Course

A few decades ago, it was hard to find a good teacher. The only option that you had was to look for one in your area because the Internet was not available at that time. Nowadays, the internet has made it a lot easier to learn from the comfort of home. If you have been thinking of taking a certain course to hone your skills, we suggest that you check out Udemy. Let’s find out how people make money on Udemy by launching courses through websites. Read on to know more.

What Is Udemy?

Basically, this platform brings both students and teachers together. As a matter of fact, Udemy is one of the top platforms for online courses. It offers a lot of free tools and support for instructors to develop courses and make money from them.

Udemy allows anyone to create a course and offer it to everyone across the globe through its platform. Nowadays, the platform has more than 15 million students from more than 190 countries. Moreover, it has courses in more than 80 languages.

Launching a Course

If you want to submit a course on Udemy, you may want to follow the steps below. We will talk about each step in detail so you can get started without any problem.

Sign up

First of all, you may want to go to the home page of Udemy and sign up for an account, which will cost you nothing. As soon as you have signed up, you can access tons of free as well as paid courses.

Course creation

After signing up, you can hit the “Teaching” button. The “Create a course” button will show up that you can press to create a course and become a tutor.

Udemy revenue model

For course creation, Udemy won’t charge you any fee. On the other hand, for selling, you do have to consider the revenue model offered by the platform. Let’s find out more about the revenue model.

Instructor promotion

After a lead generation, the entire revenue goes to the course instructor. For instance, if a lead is generated through the coupon code given by the course creator, the instructor will get the revenue.

Organic traffic

If the course buyer comes to the platform through organic traffic, 50% of the revenue will go to the course creator. And the rest will go to the website. So, there is a lot of money to be made even if you don’t use other means to get the word about your courses.

Other revenue sharing model

This revenue sharing ratio can be between 25% and 97%. Actually, the ratio is based on the fact whether the customer comes to the platform via deals, ads or affiliates. So, based on these factors, the revenue can be more or less.

Resources for Udemy

Udemy helps you throughout the process. Whether you are going to create a course or you want to promote, the platform has resources for you. Udemy offers tons of free resources that help you make your course a success. As a matter of fact, the free resources on this platform are on the list of the best advantages of Udemy, as they help you make money from your course without too much struggle.

So, if you have been thinking of creating a course and publishing it on Udemy, we suggest that you take into account the advice given in this article. Just make sure your course is interesting and it can help your students learn new things. And that’s all you need in order to sell your courses and make a lot of money.

Ideal Solutions To Success Online

If you have ever spent time looking for ideal solutions to success online, you could find yourself very frustrated. You found that there are basic ways to succeed in this line of work. You know that online work isn’t hard, physical labor. Working online is easy in that there isn’t a lot of physical work involved. People who work hard as builders, factory workers, office personnel and in administration, must work hard and produce good results or they no longer have a job. Online work isn’t hard physically. However, it takes tenacity, perseverance, and a little knowledge to be successful. Perhaps herein lies part of your annoyance. Let’s look at some things that bring frustration into your ideal online performance. The items are not listed in any particular order of difficulty or ordered frustration levels.

Number 1, Building a Website

The number one thing that frustrates many people and keeps them from being successful online is building a website. This one thing kept me from being successful online years ago. When you find the right training building a website can be really easy. You don’t have to know HTML to build one today. You can learn how to make a website at certain locations on the Internet. There are places where you can learn how to make a free website.

Number 2, Finding a Domain Name

The best way to relieve frustration from finding a domain name is to first find the niche you want to promote. The name of your site needs to match the niche you have chosen. So, the way you keep this from being frustrating is to identify your niche, and then write a list of 10 to 15 names that describe your niche. It’s like choosing a title for a book, the title must tell what the book is about. Same with your domain name. It must tell what your niche is about. I prefer to stick with a .com. It’s just a personal preference that you don’t have to adhere to.

Number 3, Getting Site Ready

Until you learn, getting your site ready for search engine optimization can be really frustrating. Actually, it can be next to impossible if you don’t have the proper training. Again, I have a page for you to review that explains the ins and outs of preparing your site for SEO. Again, you can write articles, use social media such as Facebook, Twitter and Pinterest. The big question you need to ask is, “Where are you going to get the training and knowledge on how to make these ideas work for you?”

Number 4, Getting Traffic

The number one goal for any marketing site is to drive traffic to it. There are many ways to do this, but the only way I choose to do this is by writing good content for my website. What if you can’t write, or at least you think you can’t? Many sites offer training on how to write.The training on a few sites is phenomenal. Every bit of the training is to help you build a site, monetize it and then drive traffic to it. You can learn so many ideas on what to write that you will never run out of something to write about. Getting traffic is almost done for you. All you have to do is follow directions.

Number 5, Training

Before I found a helpful site, training was my nemesis. The lack of training defeated me every time and cost me money. The training I have gotten has given me a handle on success. I have learned how to succeed because I have been trained well. Following are a few things I have been able to find online:

Certification Courses: 5 Levels

1. Getting Started

2. Build Your own Traffic Producing Website

3. Making Money!

4. Mastering Social Engagement

5. Achieving Maximum Success Through Content Creation

Each level has several courses and the training available to make you successful! I repeated most of the lessons. Some were simple but needed more exploring. Others were new to me and my then limited expertise. I can’t believe how much knowledge is packed into these lessons. Yet the progress from one step to the next is given in easy steps for those who aren’t technologically proficient when they begin the courses.

You Get All the Training

Every site that I tried before this would promise they could teach me how to be successful. What they taught me was that I needed to hire a group of professional online gurus to help me build a successful online business. I paid good money to learn this, too. Their ads said that even a monkey could learn how to use their program. I guess that I’m not as smart as a monkey because I couldn’t begin to understand what they were trying to teach me. “You’ll never believe how easy it is to make money online,” their ads read. I learned the hard way, out of pocketbook hard way, that paper will lie still and let you write anything on it. At least the paper they wrote on did! I was never able to follow more than the first couple steps. Not nearly enough to learn anything. However, all that has changed now. Since I found this site, I have learned how to be successful online. All I’ve done since I’ve been here is grow and grow. That’s where I am. That was what I was looking for in the first place. Can I tell you that I found a place where you can work at your pace, make the amount of money you want to make, and work when and where you want to.

Work for Yourself

The best boss you will ever have is YOU. Working for yourself online doesn’t require lots of energy. You don’t have to have a specific location where you go to work. With today’s technological advances, you can work from nearly anywhere. I prefer to work at home with my family nearby. That’s where you can find yourself, too. Are you ready for the change? Are you ready to be your own boss? Then don’t wait! Visit me to begin today!