> Stand-Alone Prescription This plan type provides prescription-drug coverage, which generally means the insured person can obtain prescription drugs at a set price of a few dollars, but does not include any other coverage.
> Health Maintenance Organization (HMO) Managed-care insurers — known generally as HMOs — use a primary care physician as a gatekeeper to screen patients and see that appropriate treatment takes place at the lowest level possible. In order to see a specialist or receive specialized care, patients must see the gatekeeper physician first and be referred on.
> Automobile If you own and operate commercial vehicles, you should make sure that your fleet is appropriately insured. If business use of a vehicle is minimal and limited to your personal vehicle, the necessary coverage can probably be included in your personal policy. Best bet: Check with your agent to be sure.
North Carolina Insurance Advisors & Nationwide News:
Hurricane Insurance Claims Paid in Mississippi Approaching $3 Billion Mark
Jackson –Commissioner of Insurance George Dale announced today that insurance companies have paid out nearly $3 billion in hurricane related claims. Over $1.9 billion of that is for Hurricane Katrina claims, $845 million in flood insurance claims, with claims paid for Hurricane Rita nearing $5 million. The approximate total for claims now stands at $2,883,096,865. Those numbers are expected to rise as the Mississippi Insurance Department (MID) continues to work with companies and consumers on hurricane related issues. As of today there have been some 384,277 claims filed on Hurricane Katrina and 3,476 claims filed on Hurricane Rita.
Dale daily reiterates his message to insurance companies,”Pay more claims and pay them faster. We are still taking over 500 to 1,000 calls a week and are devoting the majority of our time in assisting people with hurricane related issues, and we’ll continue to do so as long as it takes, “ he said.
MID has recently issued two bulletins to further assist consumers in hurricane affected areas. Read more at doi.state.ms.us
If you live in the following cities and need an Insurance Advisor or to get a
quote, you should contact our North Carolina Insurance Advisors today:
Apex
Asheboro
Asheville
Burlington
Cary
Chapel Hill
Charlotte
Clayton
Concord
Durham
Elizabeth City
Fayetteville
Fort Bragg
Garner
Gastonia
Goldsboro
Greensboro
Greenville
Henderson
Hickory
High Point
Jacksonville
Kernersville
Lenoir
Lexington
Lincolnton
Lumberton
Matthews
Monroe
Morganton
Mount Airy
Raeford
Raleigh
Reidsville
Sanford
Statesville
Thomasville
Wake Forest
Wilmington
Wilson
Winston Salem
Did You Know?
Payments you receive from qualified long-term care insurance contracts will generally be excluded from income
As reimbursement of medical expenses received for personal injury or sickness under an accident and health insurance contract. Also, certain payments received under a life insurance contract on the life of a terminally or chronically ill individual (accelerated death benefits) can be excluded from income. Refer to Publication 17, Your Federal Income Tax, Chapter 13, Other Income.
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North Carolina and nationwide:
Mar 02, 2007 - Group Insurance Coverage Most Americans get health insurance through their jobs or are covered because a family member has insurance at work. This Read more >
Mar 02, 2007 - Keep Health Coverage After A Job Change Most individuals go through a number of life events that affect their health benefit needs and the choices they make. Ther Read more >
Mar 02, 2007 - Mental Health Parity Act The Mental Health Parity Act, MHPA, of 1996 requires plans that offer mental health benefits to set lifetime dollar limits Read more >
Legal Disclaimers The information provided on North Carolina Insurance Advisors.com is not intended to be insurance advice, but merely conveys
general information related to insurance issues commonly encountered.
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