Insurance News and Advice

Trying to schedule a doctor's appointment when you're uninsured...

noreply@blogger.com (ISA Brokers) — Wed, 09 Jul 2008 22:45:00 +0000

In our trying economy, with gas prices on the rise and businesses going bankrupt, it's no wonder a startling number of people are forced to go without health insurance.

Most folks tell themselves that they don't need health insurance, because they think they can't afford it. The sad fact is, if you get sick or injured, you can't afford NOT to have it. The other day, I was scheduling an appointment with my doctor, and the first thing they asked was for my insurance info. I gave them the name of the insurance company, but told them I didn't have my policy number at the time.

They told me to call back when I had the number.

They wouldn't even schedule the appointment unless I had proof of insurance.

Thank Goodness for the Amigo Short Term Plan. The Amigo plan is great for people who are between jobs, recently graduated from college, waiting for the open enrollment period on their job's group plan, or simply cannot afford a permanent medical plan.

How's this for a deal: the Amigo Short Term Plan has a $50 Urgent Care benefit which is not subject to the deductible. That means you can save money by choosing a high deductible plan, but still only pay $50 to visit an Urgent Care facility.

The Amigo Short Term Plan is also available in Spanish, and no proof of citizenship is required to obtain coverage.

Obtaining this plan is quick, convenient, and affordable. You can apply online for the Amigo Short Term Plan, and print out your policy and ID cards INSTANTLY. Or, if you prefer to speak to an agent, give the friendly folks at Insurance Services of America a call at 800-647-4589

The Amigo Short Term Plan; Peace of mind you can afford!

Gift Ideas for the Graduate in Your Life:

noreply@blogger.com (ISA Brokers) — Tue, 10 Jun 2008 20:21:00 +0000

Do you know of someone who will soon be graduating from college?

Here's a great gift idea: SHORT TERM HEALTH INSURANCE

Check out these disturbing findings from a recent poll:

• Approximately 40 percent of parents mistakenly believe that adult children (ages 21 -24) living at home were covered under their health insurance plans.

• 20 percent of college parents have no idea when their health insurance will no longer cover their college-age children.

• 68 percent of the parents were not even aware of the availability of short-term health insurance.

Once your graduate has hung up their cap and gown and started that fabulous new career, chances are it will be a few months before they are eligible for their company's group insurance plan.

So what can we do to protect our kids as they transition into adulthood?

Buy them a Short Term Health Plan!

At Insurance Services of America, we have a variety of Short Term Health Plans to fit any graduate's needs and budget.

Click here to get a quote or apply online. You won't believe how affordable peace of mind can be, and you don't even have to wrap it!

Insurance Services of America: 800-647-4589

Your Airline is Going to Change This Summer...

noreply@blogger.com (ISA Brokers) — Fri, 06 Jun 2008 18:53:00 +0000

This busy summer travel season, with all the airline mergers and alliances, overpaid executives and frustrated employees, you need to prepare yourself, because air travel is changing right before your eyes. Carriers are desperate to shrink their operations and bankruptcy fears are resurfacing.Here are some of the changes to the airline industry that you the passenger should be prepared for this summer:
You could experience a whole host of new delays. Airlines trying to adhere to self-imposed passenger rights, fuel prices, and cutbacks are bound to foul up that on time arrival that you counted on. What if you miss your connection? Will you have to shell out even more money for a new flight?
With airline executives making record salaries and front-line employees’ paychecks being slashed, management has informed their workers that fuel prices have hastened the need for cost-cutting measures yet again. You will get very few sympathetic employees doing more than their absolute bare minimum. What’s more, an industry that used to see employees start careers at a young age and stay until retirement is seeing senior executives make statements such as, “We’re not looking for people to make this a career any longer, this is just a job.”
Don’t expect amenities such as a pillow or a blanket. From additional check-in bags, to aisle seating, nothing is off-limits when it comes to chargeable items. With fuel at historic levels the airlines are pulling no punches when conserving oil. This could affect you in several different ways such as no running water for washing your hands before take-off, longer wait times at the gate, and possible flight cancellations for lack of connecting passengers.
Now you might be rethinking that trip altogether, but here is a way to protect your investment and not miss out on your vacation… Trip insurance.
Check out our trip protector plan and how it works:

For a very small percentage of your trip cost, trip protector will safeguard your travel plans in case something goes wrong.If your trip insurance is in effect for at least 14 days prior to departure, you will be covered in the event of airline default or bankruptcy. Good to have in a time when airlines are going belly up left and right and without any warning. Additionally, if you purchase trip insurance within 24 hours of making your final trip payment, pre-existing conditions are covered too.Other coverage includes emergency medical and dental expenses, lost luggage, emergency cash, missed connection, trip cancellation and trip interruption, just to name a few.At Insurance Services of America, we have a variety of plans to fit your needs and budget. Call one of our agents today at 800-647-4589, or click here for an instant quote or to apply online.

These are uncertain times, and a small investment in trip insurance can save you a fortune in the long run.

Another Airline Folds. Why you need Trip Insurance now more than ever:

noreply@blogger.com (ISA Brokers) — Wed, 09 Apr 2008 17:44:00 +0000

First it was Aloha Airlines, then ATA, then Skybus. American Airlines Cancelled 500 flights yesterday for maintenance. In the course of five days, tens of thousands of passengers are left stranded, unable to get home. The others have just discovered their vacations are never going to happen.

On the Skybus Web site yesterday was a brief announcement saying the airline had ceased operations because of rising jet-fuel costs and a slowing economic environment. The note said people with reservations should contact their credit-card companies for refunds. Passengers who paid cash are just plain out of luck. One scuttled Skybus passenger said he had been quoted $2,000 for a last-minute ticket home to Ohio.

This is when you can be glad you had the foresight to purchase trip insurance.

However, as with all policies, it is important to read the fine print. Skybus insurance policies covered things such as the illness of a traveler, inclement weather, and in policies sold after March 5, airline-caused delays and cancellations. But Skybus did not include “default" — going out of business — as one of the circumstances covered by the insurance.This is why it is also important to make sure you purchase your trip insurance from a reputable insurance company focused on getting you the most comprehensive coverage available. The kind of customer service and coverage that you will not find from an airline, cruise line, or travel agent.

At Insurance Services of America, we have trip insurance and travel medical insurance that will cover you weather your destination is Istanbul or Idaho, and everything in between. If your luggage gets lost, or you miss your connection, or if your trip gets cancelled for whatever reason, including airline default or bankruptcy, we've got you covered.

Call one of our friendly knowledgeable agents today at 800-647-4589 to find out more about this very affordable coverage. Wherever you go, we'll get you home.

A Great Plan Just Got Even Better!

noreply@blogger.com (ISA Brokers) — Thu, 07 Feb 2008 18:21:00 +0000

Insurance Services of America is pleased to announce some exciting new changes to our

Horizons Short Term Health Plan.

You will still get the same great features of the original Horizons Temporary Health Plan such as five deductible options from $750 to $10,000, a Million dollar lifetime benefit maximum, NO doctor office co-pay, a discount prescription card, and more!
Plus the plan now comes with a NO DEDUCTIBLE accident benefit, the rates have been lowered, and it's now administered by an A+ rated carrier, American Alternative Insurance Corporation.

If you find yourself between jobs, recently divorced or out of college, awaiting Medicare eligibility or in need of temporary coverage for whatever reason, let the professionals at Insurance Services of America quote a rate for you.

Call Mark or Adam at 800-647-4589, or click here to apply online.

You'll be surprised how affordable peace of mind can be!

Talk about EZ Issue!

noreply@blogger.com (ISA Brokers) — Tue, 06 Nov 2007 23:09:00 +0000

Have you ever been declined for health insurance?

Our Horizons short term plan does NOT ask a decline question.
In fact, it will even issue to those with mental and nervous disorders, or drug and alchohol abuse.

PLUS.....

$1,000,000.00 Per Person Maximum
Optional $300.00 outpatient accident benefit
Comes with a NO deductible prescription Drug Discount Card
Rates just reduced 20%!!

You can get a quote, apply online, or download an application with just a click of your mouse,

Or give us a call at 1-800-647-4589 if you have any questions or if we may quote a rate for you.

For over 37 years, Insurance Services of America is here to help!

Bridging the Gap Between Retirement and Medicare

noreply@blogger.com (ISA Brokers) — Thu, 18 Oct 2007 03:26:00 +0000

If you wanted to retire before age 65, would you lose your health insurance benefits? According to the ICMA Retirement Corporation, finding individual health insurance after retirement can be tricky.

http://www.icmarc.org/xp/plans/retiree/questions/payforhealthcare.html

We offer affordable short term health plans for those who are not yet eligible for Medicare, and can be written for six months to three years, and in some states, with unlimited rewrites. We even have plans for those with insurance challenges, like controlled high blood pressure and type II Diabetes.

Check out the 'Choose a Plan' section of our web site to learn more about these excellent plans. You can even get an instant quote so you can see our very competitive rates.