7 Ways to Save on California Health Insurance

Health insurance premiums are at a all time high they are going up at a rate of approximately 15 percent each year. So there has to be a way to keep your promotions at a level that is affordable I am going to explain to you how. California has 7 companies that compete for your business and as of the date of this publication there are a lot of new plans out there that are saving people 30 to 50 percent off their health insurance premiums each month I am going to give you some tips on how to do that today.

# 1 Hire a Health Insurance Agent (Health Benefits Specialist)

There are a lot of people that sell health insurance but are not health benefits specialist that maybe your auto insurance agent that happens to sell health insurance but only shows one company make sure you hire an agent that represents a variety of companies. Whether you purchase your policy from an agent or straight from the health company itself the price of your insurance will be same they are regulated by each states insurance commissioner. Therefore by hiring an agent you are going to get an unbiased opinion of all the plans available to you in the state of California as opposed to just the carrier telling you why they are greatest and the best. I work for my clients and not the insurance companies I find my clients the best plan for their needs and budget.

# 2. Switch to a Health Savings Account (HSA) Plan

HSAs are becoming one of the most popular health insurance plans in California. The concept is simple; you pay for expenses below the deductible at a discounted rate and the carrier pays for everything after the deductible. Most HSA plans cover preventative care as a first dollar benefit which means that your deductible is waived. The savings are significant they are typically 50% less expensive then traditional plans. How much could save?

Family Traditional Plan $ 550 dollars a month for a family of four

HSA Plan – $ 250 dollars a month for a family of four

Savings of $ 3600 dollars a year

# 3 Choose A Higher Deductible

Most people while choosing a plan opt for the lowest deductible possible, however, you are paying for that low deductible in the way of higher premiums and coming out ahead in the end. Choosing a plan with a higher deductible can save the average family $ 1,500 or more. How much can you save?

Family Plan with a 500 deductible – $ 680

Family Plan with a 2,500 deductible – $ 315

Savings – $ 4,380

# 4 Ditch The Co-Pays

Yes, you only pay $ 25 when you see a doctor but the question is how much are those co-pays actually costing? There are many plans now on the market with no co-pays, however all doctor visits are still covered. You simply pay the network discounted rate, which is usually only $ 15 to $ 25 more than the co-pay. How much can you save? Here's an example:

Family Plan with Co-pays- $ 425

Family Plan without Co-pays- $ 290

Savings- $ 1,620 a year!

# 5 Shop and Compare

There are at least seven (7) major health insurance companies in California each offering 12 plans or more on average. That's over 84 plans on the market. Well to be perfectly honest there are over 250 plans to choose from in California so you have a great selection of plans. It is a big mistake to think that similar plans have similar price. One carrier could charge $ 500 per month for a PPO plan with a $ 1,000 deductible. Another carrier could charge $ 350 for the same exact plan. So make sure you compare carriers.

# 6 Annual Policy Review

Every year many carriers come out with new plans with lower rates. When you choose a new plan you are typically getting the lowest rates in the market and can save 30% to 60% off your current promotions.

# 7 Look at plans with generic only prescription drug coverage

You can typically save 20 percent or more on your health insurance premiums by only getting health plans that have generic prescription drugs costs. So if you are healthy individual looking for coverage not on any medication this could be an alternative for you. More and more drugs now have a generic alternative so another suggestion to save money is to ask your doctor if they have a generic version of the drug you are on.

I hope you have come away learning something you did not already on how to keep your health insurance premiums lower in the state of California.



Source by Marc Hart

Bad Credit Consolidation Loans: How To Find A Lending Company

Some of us have incurred several debts over a period of time and find them difficult to re-pay. Well, getting bad credit consolidation loans is an excellent solution around this. There has been an increase in popularity with consolidation loans over the past few years and there is a surprisingly large number of lending institutions ready to offer a helping hand. The types of consolidation loans on offer are vast and flexible to each client.

Normally, the best way to pay off multiple debts is to find another loan with a lower interest rate. This effectively means that the balance of your debts will decrease while only a single lump sum will be due each month. It is not easy to find such loans, but with the proper research of the lending institutions in your locality, you can get one that will offer you very good rates.

It is important to find out if you can get a personal loan with your employer or a credit union. Most employers are willing to give their employees a total sum of the debts they owe as a lump sum loan. Typically, the interest rates charged are much less, but it is good to consult with the appropriate persons involved in order to get constructive feedback.

Most credit unions are willing to give loans for bad credit if your paycheck is set to pay it directly. Therefore, be on the look out for such loans as they can assist you to pay off those debts with high interest rates. They not only clear up your debts but they clear them quickly.

Several credit unions and banks are willing to offer loans off your car. This deal also includes those with bad credit since if you own a car, it can be a very good way of clearing up your debts. But ensure that you keep your car safe and properly maintained, and it is wise to consider the year model because some banks can turn down a loan request if the car model is too old.

Therefore, the older the car, the more interest you will pay since compare your existing debts with this kind of loan before allowing the bank to verify ownership and appraise the car.

It is also good to take a closer look at your home before going to apply for a loan. This is because home equity can get you a better, lower interest consolidation loan. Depending on the size of your equity, you can take out a loan that lasts as long as thirty years and this would be the most effective way of clearing all your bad credit. But with the housing and property market slump, this has become a diminishing source of loans.

Thus, with the several methods of clinching bad credit consolidation loans, it is wise for you to do comprehensive research to find the best rates available. Scout the internet because most reputed lending institutions have a web presence. Remember that debt consolidation does not actually lower the total amount of debt, it only changes the circumstances required to pay it since making life a bit easier.



Source by Susan Westbrook

Drive Your Business With the Automotive CRM Tool

If you are always scrambling for active leads, future leads, dropped leads, or sold cars, then your CRM data management is up for a drastic overhaul. You can not give the lame excuse that you're not computer savvy that's why you can not make use of the automated CRM tool. This is suicide if you're in business.

Car Dealers, Sit Up!

A sale a day keeps the bankruptcy at bay. Car dealers have to reach a target sales quota monthly to reap their rewards from the wholesale purchase of cars. That's how they make a living. If you're in the car business, you know how important it is to keep your customer information updated and manageable. The automated CRM tool saves all the trouble of wading through messy files.

If you are not computer savvy, or if your CRM staff is not that clever with computers, you still can not give the reason that the technology is beyond your ken. Software architects had this in mind when designing the software. They have made the features easy to use, and they did not design a rubic-like puzzle just to confound users of the software.

The screen layout of the software has recognizable buttons and have different color codes for different files. You can even keep track of the weekly appointments you have scheduled, so there's no time wasted; you have the customers well within your speed and mileage meter. You can also send your customers emails or chat them up.

You can even do a quick inventory of supplies and spare parts in just one go. You do not have to get up and rifle through old files to update anything needing a quick touch up. This expediency is not limited to your customer databank, but also extends to your suppliers' info tank.

Easy collaboration with suppliers from all over the globe makes it effortless for you to be updated about their latest products and stocks. You can always have first hand and consistent information to share with customers and target leads. This improves your customer care and services, helping your business pick up speed.

Efficient Collaboration

The automated CRM tool enhances your accounting methods. It becomes easy for you to track customer accounts and company expenses. You do not need many workers to manage your CRM databank. A fully trained employee can do the job of three persons efficiently with the CRM tool for automotive dealership.

You still have the option to let a third party manage your system. This comes cheaper because you do not have to pay for add-ons that may be required later or measures for your data security. Instead of paying the wages for a worker to manage your CRM, the service provider does this competently and costs much less when expenses are summed up.

The technology gives you the edge in sharing information with different departments in the business and with the car makers, gives better communication links with customers and suppliers, and helps personalize customer interaction.

Improved Sales

When there is a ready and updated file on customer information, it is easy to track leads and consistently follow them up, especially when there are new car models or spare-parts that have become available.

The automated CRM tool contains modules for sales force computerization and customer communications administration. Collection of customer data becomes efficient and the information that is collected is organized for easy analysis, which determinates consequent action.

With prompt action on leads and better customer service, sales is improved. Automotive CRM tool gives the business the better drive.



Source by Nahshon Wingard

Professional Junk Removal Can Speed ​​Up the Estate Cleanout Process

When one of your loved ones passes away, you may only have a short period of time before his or her home must be cleaned out and prepared for new occupancy. You may be left to clean out years of accumulated trash and junk. You may find yourself sorting through decades of belongings deciding what should be kept, donated, or recycled. And you're probably doing all of this while still grieving over your loss.

Professional junk hauling and trash removal companies often include property cleanouts among their services. Depending on who you hire and what kind of help you need, junk haulers can assist with sorting, carrying, and properly disposing of various unwanted items. Hiring a junk removal team can make the estate cleanout process faster and less painful for everyone involved.

Sorting Services

Some junk removal companies include sorting and organizational services for estate cleanouts among their offerings. While you may be hesitant to allow a stranger to help you sort your family members belongings, a professional can actually bring a sense of perspective to the table. Something that had deep sentimental value for the rejected may have little to no monetary value, and that might not be worth saving. Additionally, because junk haulers dispose of trash and unwanted items for a living, they can help you determine what can be recycled or donated and what must be tossed in the trash.

Heavy Lifting

One of the best things about hiring junk removal pros to help with any major clean is that they can do the heavy lifting for you. Not only will they be able to clear out a room or building faster than you could on your own, they can also take every precaution to avoid damaging the walls, floors, or built-in fixtures in the space. Plus, carrying that old fridge down the stairs might be a health and safety hazard for you and the building's other occupants. Meanwhile, the pros know how to haul heavy items without injuring themselves or others.

Disposal and Recycling

The last thing you want to do when you're grieving the loss of a loved one is drive back and forth to the local dump to deposit carload after carload of his or her belongings. Not only is this emotionally taxing, but each car trip also takes up valuable clean time. Trash removal pros will bring a truck and load the contents of the home up all at once. Then, they'll take care of disposal, recycling, or donation on your behalf. Because a junk haul company must be aware of all local rules and codes for trash dumping, you will not have to worry about fines or tickets for improper disposal. When you watch the junk haul truck drive off your loved one's property, you can breathe a sigh of relief knowing that the job is done.

Dumpster Rental

If you need help with trash removal but can not afford or do not need help with sorting and carrying heavy items, consider contacting a junk hauling company for dumpster rental. In most cases, the dumpster crew will drop off the container at the start of the rental period, you'll fill the container with garbage, and then the crew will return to roll the dumpster away and dispose of the contents. This is often a cheaper junk haul alternative that will still significantly shorten the cleanout process.

Estate cleanouts are rarely easy, even with professional assistance. However, the key to getting through one is to remember that there are resources at your disposal in this time of need, and that you do not have to go through the clean of your loved one's home alone. Hiring a junk removal team will free up your time and energy, so you can focus on remembering your loved one and moving forward.



Source by Kelly R Robertson