Aetna Medicare – Know Your Health Care Options

Aetna, which is an American Health Insurance Company, was founded in the year 1853 and offers Aetna Medicare. The firm is listed among the Fortune 100 under the category of health care sectors. Aetna provides a large number of health insurance products / services which are directed towards the consumer and likewise the conventional ones like medical, dental, group life, pharmacy, long-term care, Medigap, behavioral health, disability plans, and medical management capabilities along with their Aetna advantage plans. Aetna, Inc. (NYSE: AET) is a Hartford, Connecticut based health insurance firm. The company has two more branches in Blue Bell (Pennsylvania) as well as Middletown (Connecticut).

Aetna Health Insurance provides affordable and safe Supplement Medicare Insurance plans such as A, B or F that have only been created to be able to make up your Original Medicare health insurance coverage – they also provide Medicare Part D insurance. Their Medicare supplement insurance plan includes out of the pocket expenses such as Part A as well as Part B deductibles as well as expenses which gives you the facility and liberty of going to a qualified doctor who already provides Medicare. The individual himself and not others will make the choice for his 'doctor to be visited'.

Aetna offers a wide range of supplement Medicare plans with a wide insurance coverage. For instance: Aetna Golden Medicare plan (HMO); Aetna Medicare supplement (PlanSM) insurance policy as well as Aetna Medicare Rx plan as well as Aetna Golden Choice plan (PPO) or the basic Aetna Medigap insurance policy. Aetna Health Insurance Company also provides a wide range of health insurance products with a huge insurance cover which fits your spending budget as well as needs. The services / products comprise medical, behavioral health, long term care, disability, dental plans, employee benefits, etc. Choosing a Medicare plan can take time. As you assess plans, keep in mind that along with medical, hospital and prescription coverage, Aetna likewise provides many extras like wellness, vision, hearing as well as fitness benefits included in a lot of Aetna Medicare Advantage plans, vision, hearing, fitness, weight management, as well as natural products and services discounts with most plans as well as Aetna Health Connections – Disease Management Program – individualized clinical programs in excess of 30 chronic conditions.

Aetna is the contiguous offshoot of America's Aetna Insurance Company, which released its first life insurance policy in 1850. Aetna offers supplement Medicare Plans such as A, B, C (through Texas), and Medicare Plan F in twelve states. Aetna likewise offers further Medicare plans in certain states as well as Plan D (prescribed drug coverage) in all fifty states. Aetna's Medicare plans designed for senior citizens consist of Medicare Supplemental insurance, Medicare Advantage plans, as well as Prescription Drug coverage (Medicare Part D). Aetna Health Insurance Company caters to the peoples' overall health and financial well-being by putting forth reliable information as well as raising up its resources to be able to operate for its fifteen million members (medical), ten million members (pharmacy), 12.6 million members (dental) and 12.8 million members (group insurance coverage).

When selecting a Medicare plan, keep in mind that Aetna Medicare provides a full range of plans. Regularly maintaining its track record of 153 years heritage, Aetna Health Insurance Company is proving itself to be a frontrunner in the health care industry by establishing a solid health care system with the co-operative network of medical centers, doctors, employers and patients.



Source by Sherry McKelvy

Don’t Risk It, Get the Protection and Security You Need With Travel Insurance

Let’s face it, getting travel insurance can be a very overwhelming and tedious process, making it easy to put off and even forget entirely. But before you head off on your international adventure, you might want to consider getting coverage through some travel insurance, just to be on the safe side.

With some luck, you’ll be glad it’s something you have and won’t need to use. But we all know that in life things happen, so it’s a good idea to find a travel insurance policy that fits your individual needs, travel agenda, and budget. Many travel agents and private companies offer travel insurance, and they have a wide variety of types and options to choice from.

What does Travel Insurance cover?

Basic coverage of travel insurance includes some financial losses while traveling, as well as limited medical expenses, including medical evacuation. The most common type of travel insurance is trip cancellation or trip delay insurance. This type of policy covers you and your travel companions in case you need to cancel, interrupt or delay your trip. However, the acceptable reasons for canceling or interrupting your trip will depend on the insurance policy, but most likely you’ll be covered for the following reasons:

o Sudden business conflicts

o Change of mind

o Delay in processing your visa or passport

o Illness or injury

o Weather related issues

In case your flight is canceled or delayed, travel insurance companies may provide additional coverage such as expenses that the airlines won’t cover, like taxi fares to the hotel or meals during your wait at the airport.

It’s also a good idea to have a plan with medical coverage of up to $1,000,000 in the case you become ill, need medical assistance, or have a flight accident occur. It’s also good to review the amount deductible by your insurance plan (this is the amount you’ll need to come up with before the insurance company picks of the rest). Make sure it covers repatriation (evacuation to your home country, rather than the nearest regional medical facility); make sure that does not mean you will be sent to the country where you purchased your travel insurance plan either, but your home country. If you’re planning a visit to multiple countries, make sure all the countries are included in the region covered by your insurance policy.

To learn more about these types of coverage and more specialized coverage, read The Basics of Travel Insurance.

To invest or not? How to make travel insurance work for me.

Purchasing travel insurance is great for insuring your money, should any unforeseen events pop-up, especially if you invest large sums of money on extravagant travel packages. To determine whether you want to invest in travel insurance your not, ask yourself these questions:

o Did you invest a lot of money into your travel plans?

o Are you traveling overseas?

o Which regions or countries are you visiting and for how long?

o Are you planning on participating in any extreme sports?

o Can you afford the cost of your trip back home if any emergency arises?

o Will you be able to afford medical care if you or someone you are with gets sick and needs immediate medical attention?

o How old are you and how is your overall health?

o Do you have any pre-existing conditions that need regular, special attention?

You can purchase your travel insurance for a single trip, multi-trip, or with an annual policy, all depending on how frequently you travel and the length of your trip. Comprehensive travel insurance can cost anywhere from 4% to 8% of the cost of your trip, depending on type of coverage, the length of the trip, the destination, and the age of the travelers. It is best to purchase your travel insurance between 7 to 21 days of purchasing your travel itinerary. Usually the maximum coverage period for insurance providers is for one year abroad.

Go through the fine print on your policy and check whether you will have to pay on the spot and redeem the money later for any medical expenses, or will the insurance company pay providers directly. If you have to claim it later on, you will want to hang on to all documents.

If you have a pre-existing medical condition, get an insurance policy that will specifically cover it. Also examine which adventure sports and activities the plan does and does not cover (rarely does it include scuba diving and hang gliding). Lastly, for your benefit, a policy that is flexible and can be extended while you’re already away is recommended. You never know whom you’ll meet, and you just might want to extend your trip.

Another good tip would be to get in touch with your credit card issuer before investing in travel insurance. At http://www.creditcards.com/, a credit card information site, suggests calling your credit card issuer to see if you have any free travel benefits that you may not be aware of, for example, insurance on lost or damaged luggage. However, according to USTIA, canceling a trip at the last minute and being reimbursed by your credit card company is the most common misconceptions among travelers. And sometimes credit card companies have limitations on only cover up to 3 months of travel. It’s worth investigating.

Lastly, if you have existing health coverage, it would be wise to get in touch with them before hand, especially if you will need vaccinations and other medicine for your trip. Depending on your health insurance plan, ask for a ‘travel packet’ and they will send you important information regarding your coverage, if any, while abroad. It might turn out you might already be covered for somethings, but not for others.

Where can I purchase Travel Insurance?

There are many sites and companies offering travel insurance online. Among them are leading companies such as World Nomads, Travel Guard, and InsureMyTrip, just to name a few. A new online resource called Squaremouth, helps travelers easily and instantly compare all the major travel insurance plans at one site. You’ll be able to get immediate quotes from several major, reputable travel insurance providers and compare policies and their prices. It’s a good starting point and one that you can trust.

Helpful Tips for once you’ve purchased your Travel Insurance:

o Scan your insurance policy electronically and save it somewhere securely online

o Make one copy for yourself to bring on your trip

o Make another copy for a trusted family member to keep at home

o Have the emergency hotline number accessible during your trip, but make sure you try it out before leaving home to ensure its operating and correct

o List out any medications you are taking (including vaccinations for your trip), and a list of allergies you have; keep this with your insurance emergency number

o Keep all receipts at home

o Review all the fine print in your insurance policy and determine which adventures you will be taking and which risks might not be worth it

Finally, get ready for a trip of a lifetime! Hopefully you’ll avoid ever using your insurance plan, but it will give you and your loved ones more security knowing you’re protected.



Source by Meghana Kamdar

Travel Insurance – A Must-Have For International Travelers

Traveling is one activity that every individual must undertake at one time or the other; it does not matter what the purpose of travel is, or whether the travel is local or international. A lot of people actually look forward to traveling to other parts of the world for various reasons and purposes, including but not limited to business, tourism, vacation, pilgrimage, education and for medical attention.

The euphoria to travel outside of one's domain usually comes with a lot of preparations, and more often than not, a great deal of resources are deployed to ensure that the travel is actually takes place; and these include acquisition of an international passport, medical tests (where applicable), expensive visa processing fees, flight booking and hotel reservation.

A lot of people will do anything and everything just to actualize their international travel ambition. And to be very candid here, international travel is actually fun and something to look forward to. Traveling, especially international travels, is a form of education for the travelers as they have an opportunity to see new environments, meet new people, and learn how things are done elsewhere.

International travel affords the traveller a lot of opportunities irrespective of their original purpose of travel. These include business opportunities, educational opportunities, employment opportunities and even maritime opportunities. Unfortunately, however, it is only these and many other opportunities that these (would-be) travelers see. They seem to be ignorant or care less about risks that are embedded in international travels, so they do not take any steps towards mitigating such risks.

At this joke, you may be tempted to ask the question: "What are those risks that are associated with international travels?" Very good question. Just read on, as most of those risks are discussed in the following paragraphs.

Risks Associated with International Travels

As interesting, fun, enjoyable, profitable and educated as international travels may be, they also come with their own downsides – the risks – just as every other thing in life. And very fortunately for travelers, most of these risks can be transferred to professional travel insurance providers, by way of buying a travel insurance – also referred to as "travel health insurance" or "travel medical insurance".

These international travel risks are many and varied, and they include, but not limited to:

  • Sudden illness in the country of destination requiring urgent medical attention and / or hospitalization.
  • Involvement in an accident leading to bodily injuries, temporary or permanent disability, or death
  • Loss of checked-in baggage
  • Loss of valuable items such as international passport, drivers' license, national identity card, etc.
  • Personal liabilities abroad
  • Emergency dental cases
  • Hijacking
  • Arrest by law enforcement agencies requiring sealing and legal defense

Another question that may be asked at this joke is: "Do travel insurance policies cover all the above-mentioned risks?" And the answer is a big YES, and so much more.

Covers and Benefits Provided by Major Travel Insurance Policies

Below is a list of most of the covers and benefits provided by travel insurance policies – depending on the providers. So the next time you buy a travel insurance policy, look out for these covers and benefits.

  • Medical Expenses and hospitalization abroad
  • Emergency Medical Evacuation
  • Repatriation after treatment
  • Emergency dental care
  • Repatriation of family member traveling with the insured
  • Travel of one Immediate Family Member
  • Emergency Return Home following Death of Close Relative
  • Repatriation of Mortal Remains
  • Medical Assistance
  • Legal Assistance
  • Pre-Departure Services
  • International General Assistance
  • Abroad Information Assistance about lost Luggage and Passport,
  • Delivery of Medicines
  • Legal Defense
  • Advance of Bail Bond
  • Hijacking in means of Public Transport
  • Loss of Passport, driving license, national identity card abroad
  • Compensation for in-flight loss of checked-in baggage
  • Compensation for delay in the arrival of luggage
  • Delayed Departure
  • Location and forwarding of baggage and personal effects.
  • Accidental Death
  • Permanent Disability
  • Personal Civil Liability
  • Trip Cancellation Expenses

Risks Not Covered By Travel Insurance Policies

Having talked about the covers and benefits afforded by travel insurance, it is also important to consider the risks that are not covered by most of these policies, as listed below:

  • Participation in criminal acts, or as a result of his / her fraudulent, seriously negligent or reckless actions including those actions of the Insured in a state of derangement or under psychiatric treatment costs for which are themselves excluded;
  • Natural phenomena such as floods, earthquakes, landslides, volcanic eruptions, atypical cyclonic storms, falling objects from space and aerolites, and in general any exceptional atmospheric, meteorological, seismic or geological phenomenon any other type of natural disaster;
  • Events arising from terrorism, mutiny or crow distortions;
  • Events or actions of the Armed Forces or Security Forces in peacetime;
  • Wars, with or without prior declaration, and any conflicts or international interventions using force or duress or military operations of whatever type.
  • Participation in bets, challenges or brawls, save in the case of legitimate immunity or necessity;
  • Pre-existing Illness or injuries
  • Participation in competitions, sports, and preparatory or training tests;
  • Motor racing or motorcycle racing, horse riding, climbing, pot holing, boxing, wrestling in any of its modes, martial arts, parachuting, hot air ballooning, free falling, gliding and, in general, any sport or recreational activity that is known to be dangerous;
  • Participation in competitions or tournaments organized by sporting federations or similar organizations.
  • Hazardous winter and / or summer sports such as skiing and / or similar sports.
  • Work-related accidents
  • Internally and locally recognized epidemics.
  • Illnesses or injuries arising from chronic ailments or from those that exist prior to theception date of the policy;
  • Death or injuries as a result of suicide or attempted suicide or any self-infected injuries.
  • Illness, injuries or pathological states caused by the consumption of alcohol, drugs, toxic substances, narcotics or medicines accepted without medical prescription, as well as any kind of mental illness or mental imbalance;
  • Illness or injuries caused by pregnancy and childbirth or any complication therefore or voluntary termination of pregnancy;

Where to Buy Travel Insurances

Travel insurances can be bought online – and there are many travel insurance providers to buy from. All you need to do is locate your preferred provider, and complete the online form or questionnaire, and make your payment, and policy is made available to you for immediate printing or sent to your email address.

You can also buy travel insurance offline from a local insurance company or travel agency. whatever method of purchase you choose, you can rest assured that you will be fully protected against insurable gravel insurance risks.

Using Your Travel Insurance

After you have bought your travel insurance policy, whether it is self-purchased using the provider's online portal, at a travel agency or through a local insurance company, you should make sure that you do not forget to take the document with you while traveling. This is so important because you may be required to produce that document by relevant bodies.

You should take particular note of your policy number (if possible copy the number somewhere else) as it will be required by the service providers to property identify you when you call them for assistance.

Another thing you should take note of on your travel insurance certificate or policy document is the Assistance Company's telephone numbers that you need to call when you need help. These numbers are always conspicuously written on the travel insurance document – so take note of them.

You should endeavor to read as much of the document as possible so as to understand the covers provided, the terms and conditions of the policy as well as its exclusions. And very importantly, when making a claim on your policy, be honest and avoid every form of fraudulent practices .

Summary and Conclusion

There are other benefits that travel insurance policies provide which can not be exhaustively discussed here. But having read the few benefits discussed above, you will agree that really, Travel Insurance is a must-have for a successful trip. So the next time you are planning an international travel, make the purchase of a travel insurance a top priority. It is quite affordable, and anyone can buy it. The peace of mind and the protection it will afford you are awesome.



Source by Anthony Ekanem

Where to Look For Car Detailing Jobs

Many people are hired to car detailing jobs and careers for the potential of high earnings and for the freedom many experience form having their own business.

While car detailing jobs vary from location, geography and the experience you bring to the table, most require developing skills that truly allow you to improve the appearance of the car. This can mean an understanding of how to properly wash and dry, to advance use of chemicals, polishes and waxes.

Most agree the trade is similar to an artist or craftsman developing a skill or craft often requiring an apprentice period to learn the ins and outs of the skill as well as how the business of car and auto detailing works.

Many who are interested can begin their careers working with professional detailing services. These companies often provide outsourced services to auto dealerships. These companies provide "make ready" services wheree pre-owned and new cars are prep'd for the dealers lot.

The list of requirements can range from simply removing travel protection (such as plastics and paper mats) to full details that include vacuuming, washing, waxing, wheel protection, and engine compartment cleaning.

Advanced services provided to dealers can also include headlight restoration, ozone cleaning, interior steam cleaning, and dent and paint repair. It is also common for dealers to provide car detailing services as an added service to its customers. Most of these are done in conjunction with servicing, collision, or repair services. The amount and type of services are commonly worked out between the detailing service and the dealer.

While not the most glamorous, detailer jobs can also be found at upper-end car washes. While many of us prefer just to have our cars washed, wiped down and discounted, a high margin detail is usually a customer option. For some this may be a good start if you are interested in car detailing, although the pay may not be as lucrative as if you work with a professional detailing company that generally pays on a commission or performance basis.

A third alternative is to start a mobile detailing company. Costs of entry are not too high, but there is lots of competition. Another downside is you are often left to developing skills on your own – not to mention the time, cost and effort needed for promoting your service.

Bottom line, if you are looking for a car detailing job, choose a professional detail service where you can learn the routes, get experience, and have an opportunity to learn from the ground up. While entry-level positions may only pay $ 15,000 – $ 18,000, senior detailers can as much as $ 80,000.



Source by T. Blake Faber