Puzzled by Your Insurance Coverage? Let's OverHall the Pieces! by Janet L. Hall

Find out your family's health history to help you determine what type of coverage

you should be looking at.

4. Should you get or be concerned about Long-Term Health Care?

Depends on your family history and your finances. It is suggested that you

should start thinking about this type of insurance when you are in your 40's.

However, the premiums are lower the younger you are. Also, check with your

accountant about this type of insurance as the premium cost * could be a

possible * deduction on your Federal Tax Form.

5. What about Disability Insurance?

This is also know as Income Replacement Insurance if you should become

disabled (NOT the same as Worker's Compensation if you get injured on the job).

6. Should I get a Medical IRA?

7. Are there any Federal Laws concerning Health Insurance?

Yes! Let me list but two:

a. Employers with 25 or more workers are required to offer employees the

chance to enroll in an HMO.

b. COBRA (Consolidated Omnibus Budget Reconciliation Act of 1985) requires if

the business you work for has 20 or more employees and you leave your job or

are laid off that you can continue to get health coverage for at least 18 months.

http://www.ahcpr.gov

If you don’t have insurance, find out if you qualify for any state or government run

plans or do some research to find out what type of insurance you need and can

purchase.

The best site on the internet I found while researching health insurance is by the

Agency for Healthcare Research and Quality (formerly know as the Agency for

Health Care Policy and Research). On their site you can find a 14 page article,

* Checkup on Health Care Insurance Choices * that includes a checklist and a

worksheet for you to use. Click on http://www.ahcpr.gov/consumer/insuranc.htm

They also have a very informative article, * Choosing and Using a Health Plan *

at http://www.ahcpr.gov/consumer/hlthpln1.htm

As you can see, there are a lot of pieces to the insurance puzzle. Now it's up to

you to take the time, make the time, to find all the pieces you and your family

need to complete this * crazy * puzzle!

The Organizing Wizard, Janet L. Hall, is a Professional

Organizer, Speaker, and Author of 'Secrets of a Professional Organizer and How-To Become One.' She is the owner of

OverHall Consulting and Organizing By Phone. Subscribe to

her FREE organizing newsletter at

http://www.overhall.com/newsletter.htm or visit

her web site at http://www.overhall.com

Copyright ( c ) 1999, 2000, 2001 by OverHall Consulting

P.O. Box 263, Port Republic, MD 20676

All Rights Reserved. Permission is granted to reproduce, copy, or distribute so

long as this copyright notice and full information about contacting the author is

attached.

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BIO:

The Organizing Wizard, Janet L. Hall, is a Professional
Organizer, Speaker, and Author of 'Secrets of a Professional Organizer and How-To Become One.' She is the owner of
OverHall Consulting and Organizing By Phone. Subscribe to
her FREE organizing newsletter at
http://www.overhall.com/newsletter.htm or visit
her web site at http://www.overhall.com

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