Let Health Insurance Basics Guide Your Decision to Select a Policy

In the past few years, no formerly benign concept has become as politically charged as that of health insurance. The merits of the Affordable Care Act, the difficulties with the program’s rollout, and other ideas of how to reform the American healthcare system continue to be widely debated on cable news, talk radio, and even Facebook. It is so easy to get caught up in the debate surrounding health insurance that young people can lose sight of basic information that might be helpful in choosing a plan that works for you. If your employer does not provide health insurance and you choose to purchase it for yourself, there are some basic core concepts of which you should be aware. First, the two basic types of health insurance are fee for service insurance, and managed care. In a fee for service plan, the patient is free to see the doctor of his or her choice, and either the patient or the provider will file a claim for payment with the insurance company.These types of plans presume that the provider will be paid for services rendered. A common criticism of fee for service plans is that they incentivize quantity of care, rather than quality. A second type of insurance is the managed care plan. Health maintenance organizations, preferred partner organizations, and point of service plans are all types of managed care plans.These types of plans typically provide incentives for selecting healthcare providers with the plan. Managed care plans usually emphasize preventive care, such as screening exams. Occasionally, managed care plans require patients to see a primary care physician first before being referred to a specialist. Consulting with an insurance agent and requesting a quote can help you choose between these two types of insurance to find a plan that meets your needs.
Something to take into consideration when choosing a policy is your overall health. Fortunately, young people by and large have fewer chronic health problems than their older counterparts. For many, a high deductible plan with a health savings account can be a good option. In a high deductible plan, you are responsible for your medical expenses until you meet your deductible. When your deductible is met, insurance takes over your bills. Your deductible might be met incrementally, through payments here and there to providers for routine checkups and an occasional prescription medication. Alternatively, the deductible could be met rather quickly in the event of an unexpected accident or illness.The advantage of a health savings account is that you can defer some of your income into a savings account and use it to pay medical qualified medical expenses, including doctor’s visits and prescription medications, toward your deductible. Money invested in a health savings account is not subject to federal income tax.

Selecting a health insurance plan is a personal decision. Your relative health, income and tax liabilities should be considered in choosing a proper plan. An insurance agent can help make sense of the new laws and help find a plan that is right for you and your family.

What is Motor Legal Protection on Car Insurance?

Motor Legal Protection also known as legal expenses/ uninsured loss recovery insurance is designed to help you if a motor accident was not your fault and you have suffered an injury, need a replacement hire vehicle, or incurred other losses which are not covered under your motor insurance policy.
Motor legal protection will help pay for the legal costs to pursue your claim for you to recover costs including (but not exclusively):

- Vehicle repair – Personal injury – Hire vehicle – Loss of earnings – Policy excess – Medical bills – Legal expenses

Everybody is entitled to claim back uninsured losses, however this tends to require a lot of effort. You would personally have to negotiate figures, policy details, keep track of everything and generally spend a large amount of time on the phone. With motor legal protection, you can rely on someone else to do all of that for you. Claims are pursued by legal professionals which makes the process of getting back to the position you were prior to the accident relatively hassle-free. Essentially motor legal protection makes life easier for you as a driver, providing important peace of mind in knowing that your uninsured losses will be recovered.

A word of caution:

Worryingly, many companies offering free motor legal protection show a preference for personal injury claims and dismiss other claims. Prospective buyers should be aware of these shortfalls prior to purchasing a product and are urged to shop around for more comprehensive, better value for money packages. When shopping around for insurance policies it is all too easy to be lured into ‘No Win No Fee’ type companies which advertise free services, which superficially offer a great, low-cost alternative to what is normally quite an expensive product. However in reality, these clever companies tend to take a percentage of your compensation before the seemingly ‘full’ sum is deposited into your bank account. The benefit of purchasing motor legal protection insurance means that you do not fall victim to these companies, therefore ensuring that the pay-out you receive is not compromised in any way. The same caution should be applied to more established insurance companies. All too often high commission rates are added on to motor legal protection packages which boosts up the price. The good news is that if people are prepared to shop around and compare, there are some extremely affordable, good-quality policies available on the market which can help give peace of mind in the event of an accident that was not your fault.

Signs of a Quality Insurance Company

The insurance company you choose to protect you from loss in the event of an accident or situation needs to be a trustworthy one. Know what to look for as you analyze and examine different companies and policies to ensure that you choose the right coverage.
Positive Ratings

Rely on the assessments of the rating companies, whose purpose is to analyze the quality and financial wellbeing of insurance companies. Check the rating of any insurance company you are considering. As you check ratings, compare them to learn which business has the highest rating. Higher ratings have a direct correlation with the solidity of the business and the services provided. Higher ratings also indicate entities with more solid financial standings for paying out claims.

Business Longevity

Examine the length of time a business has been operating to get an indication of the quality and reliability of its services. A newly formed entity may not be able to offer customers the same reliability and performance as businesses that have been around for many years. A recent purchase and transfer between insurers could indicate that the new owner is undertaking positive growth.

Customer Service

The services provided to customers by an insurance company will be an important indicator of quality. Optimally, customers should be able to reach representatives in a variety of ways, such as by phone, online chat, and email. The response times to customer queries should be relatively short to ensure that all questions and concerns receive a speedy resolution. Customers should also be able to reach a representative around the clock and on weekends and holidays for emergencies.

Coverage Policies

The policies provided should meet your needs, with cost effective premiums, affordable deductibles, and terms that meet your coverage needs. Compare policy terms between different corporations to ensure that you choose the policy that fits your budget and needs. Explore the claim-paying process to find out how the business investigates claims and the typical time period for payment on a claim. Find out the rate of claim refusal, also, so you know the average pay out statistics for the insurance company.

Reviews and Complaints

Learn about reviews and complaints recorded by other customers to find out potentially positive and negative information about the insurer. Find positive and negative reviews on websites that allow consumers to record their experiences for other consumers to read. These reviews may provide surprising information about an entity that could lead you to decide not to choose them as your insurer. You might also learn positive information about the way a business takes care of its customers. Optimally, the corporation you choose should have very few or even no complaints lodged against it from other customers.

Once you gather extensive information about a company, you will have the data you need to choose a quality business for your coverage needs. This will enable you to put your trust and confidence in this corporation, knowing that it will assist you financially if you need it.

Banner Hemming Methods You Can Use

AST UPDATED ON: July 17, 2019

With banner hemming, you can opt to sew, glue, weld with heat, or tape your banners. There are shops that don’t have the sewing machine, and glue is not the only option although it doesn’t need machinery when hemming. Let’s go over the options one by one.

Hemming with Glue
You have to first get the right adhesive glue for vinyl banners. Per experience, we set the banner flat on a table and lay an 8-foot and 2-inches wide ruler along the edge of the banner. Using the ruler, we drew a straight line that is 2 inches from the edge. After that, we applied the glue within the line to the edge of the banner in one side. And then we folded an inch over to the pen line. We then used a hard rubber roller to seal the vinyl with itself. We repeated this process on all sides.

This is probably the toughest method, in my opinion, to hem your banner among the others that I will be discussing as well.

Hem Banner with Tape
This is one easy method. The process is the same as described above. You lay the banner flat, set a 2-inch by 96-inch ruler, and mark the 2-inch line with the pen. This time, instead of glue, you lay the tape along the line you have drawn.

After putting the tape on, peel the adhesive backing paper off, fold the banner, and then press them together, still, using a hard rubber roller or the like.

Others that Need Equipment
The above methods are the only ones wherein you can mechanically hem a banner, but there are also other better alternatives which require the use of a machine or equipment.

Sewing Machine
The first is the industrial sewing machine, which fits a double foot to enable parallel stitching. This is one simple method if you have the machine.

If you have the money, you can get one online. You just have to make sure that you are purchasing from a reputable company with a really good customer service.

On one hand, learning how to use the machine is way tougher than buying it. It takes practice until you are able to consistently fold one inch of the vinyl banner over and straightly sew it without bunching the material. Once you have mastered that, your next goal is to learn how to sew a straight seam at a faster pace.

Heat- Welded Seam
Using the heat-welded seam is the last method. This one needs a special equipment. You can either use heat welders or heat seamers. A heat seamer moves along the edge of the banners, while heat welder moves the banner through a heated hem welder. You can also make pole pockets like the other methods.

In Conclusion
Whatever method you opt to use to hem your vinyl banners, the end result is the same. One method that I don’t like is the taping one, because as you roll the taped hem, it tends to make wrinkles along the hem, which are not neat to look at. But if you are hemming for an outdoor banner with a long viewing distance, the wrinkles are not really visible.

ABOUT THE AUTHOR

Barry K. Brown has been in the WHOLESALE Sign, Banner, Decal and Display Business, which is Rated A+ by the BBB, for over 20 years. It isn’t what he thought he’d do with his life, but he says he knows too much now to do anything else!