Always keep your premium payments date updated in your online rate contact with your insurance carrier. As such, you should follow up with your insurance carrier to notify them of any changes. Your insurance carrier will typically contact you with the availability of a health insurance policy. You should ensure that you keep your policy selection current. The insurance carrier will usually begin asking you questions regarding your household, medical needs, expected duration of coverage, preferred health insurance carriers and the number of people in your household.
In the event that you are experiencing a fully funded issue, you will be provided with a letter from your insurance carrier to ascertain the new limits for your policy.
Should you have an issue with your policy, you will also be provided with an estimate of the impact of the claim. The estimate is to ensure that you have a fully funded policy.
The cost of your health insurance depends on your age and the extent of your medical expenses. In the event that your age is greater than 65, you should purchase a Standard Health Insurance Policy. This policy will typically cost $300-$600 per month depending on your age and the extent of your medical expenses.
Should you be between the ages of 65 and 75, you should purchase a Medical Dependent or Family policy. The cost of these policies typically range from $375 to $1500 per month depending on your age and the extent of your medical expenses.
Should you be 75 or older, you should purchase a Brokered Health Insurance policy. The cost of these policies typically range from $1500 to $3500 per month depending on your age and the extent of your medical expenses.
Should you have other medical expenses that exceed the above levels, you should ensure that you have a Health Savings Account. The cost of HSA’s will depend on the type of account that you set up and the state in which you reside. You should ensure that you have a decent balance in your account to cover any losses that you may suffer.
Where do I get a Public Adjuster?
Typically, you will want to contact the insurance carrier directly. This is true whether you are seeking a Public Adjuster as a home, car, etc. claim or if you are seeking one as an itemized expense claim. You will want to be clear about what you are looking for and exactly what you want your Public Adjuster to do for you.
How long will a Public Adjuster work for me?
Typically, within four to six weeks from the time you contact them.
How much will a Public Adjuster cost?
There is generally an initial consultation fee. Beyond that, your Public Adjuster will vary depending on the type of adjuster you use. We will discuss the different adjusters here. For the most part, adjusters are hired by contacting the insurance carrier directly.
1. Structural Adjusters:
Structural adjusters are hired to review the structure of the property you are inquiring about and to recommend repairs. Structural adjusters also determine if the property owner has met their deductible requirements, so if they haven’t they will recommend work. Structural adjusters generally ask for payment up front.
2. Painting/Decoration Adjusters:
The painting and decorating adjusters will be hired to review the property and identify any damage to it that is likely to result in a claim. They will recommend any cleaning/repair work that you feel is necessary.
3. Personal Adjusters:
The Personal Adjusters will be hired to review the property and identify any damage to it that is likely to result in a claim. They will recommend any work that you feel is necessary.
When you work with a Public Adjuster, it is important that you know exactly what you are paying for. You need to know exactly what they are proposing to do. This way you can evaluate the proposal and make sure it is in the best interest of your family and business.