Author: Andrew Bicknell

There is not a person alive who doesn’t want to save money in some way, shape or form. Most people do not realize that one of the most overlooked places they can save money is on their home owners insurance. Many home owners are content with their current insurance not realizing that by shopping around and comparing multiple quotes that they aren’t getting the best home owner insurance rate possible.

The first place to look when searching for a lower home owner insurance rate is online. The internet is filled with insurance companies whose sole interest is to beat out their competition and give you the best insurance rate possible. Before you make several trips to local insurance agencies in your home town look at some of the benefits of doing your insurance shopping on the internet.

1. In the time it takes you to read this you could have filled out an online application and received back your first quote. Once you have the necessary information needed to fill out online insurance forms you can have filled out several online quote forms and submitted them. This can all be done in the time it takes to get in your car and drive to your local insurance agency.

2. Save your time and money by bypassing trips to the local insurance office. You will also not need to deal with sales people or pushy insurance agents.

3. By receiving multiple quotes from different insurance providers you can quickly and easily compare coverage plans and premium rates finding the one that works best for you.

4. Nothing beats the convenience of doing your home financial business from the comfort of your own home. In your underwear if you wish.

Now that you can see how convenient and time saving getting your home owners insurance quotes online can be let’s take a look at four simple steps that can help you get the best rate possible.

1. Get at least four quotes from different insurance providers. This is the minimum needed to start finding the best rates. The more quotes you can get the better cross section of coverage’s and premiums you will have to choose from.

2. Combine your home owners and automobile policy. Many insurance companies will provide up to a 10% discount of their monthly premium if you buy both your home owners and car insurance from them.

3. Try a higher deductible. By raising your deductible you can lower your monthly premium. This is probably the easiest way at getting the best home owner insurance rate.

4. Install a combination security system that provides both burglar and fire alarms. If this is hard wired to a central call center you can save a good amount off your monthly premium.

Getting the best home owner insurance rate is a matter of using the power of the internet to get multiple quotes in a short amount of time using the trick and tips listed above. And the best part is all those quotes don’t cost you anything, even if you decide that you are perfectly happy with your current home owners insurance.

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Article Source: ArticlesBase.com – Getting the Best Home Owner Insurance Rate

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What do health insurers know about you

Author: Www.easytoinsureme.com

Ohio health insurance consumers may be unaware that there are insurance-related businesses, or insurance support organizations, that collect and provide information to health (and life) insurers about an individual’s medical conditions and prescription drug usage, Ohio Department of Insurance Director Mary Jo Hudson said.

As more people look to individual health insurance after losing their jobs and with some small businesses dropping coverage because it’s too expensive, consumers may be wise to confirm the accuracy of any health information collected by these companies.

Often, insurance companies become members or customers of insurance support organizations, also referred to as data-collection or data-mining companies. Some of these organizations offer many services, including claims and billing data that helps insurers determine the “usual and customary” (UCR) charge for services within a given area. Others offer information similar to a clearinghouse.

For example, when an insurer takes an application for health insurance, the insurer may submit certain personal identifying information to one of these insurance support organizations to find out if any other insurer has had the same applicant. If the insurance support organization does have a “match,” the information is sent to the insurer, using certain codes. The insurer receiving the coded information can then question the applicant further about any undisclosed health information.

Consumers consent to the insurer making inquiries of any person or organization that has health information about them when they sign the application form. These consents uniformly list insurance support organizations as entities from which information may be obtained.

If you would like to determine what information, if any, has been collected about you by one of the insurance support organizations, you can contact the insurance support organization directly. Each company’s web site has information about how consumers can obtain such information. If there is misinformation, you have a right to correct it, similar to credit reports from credit reporting agencies.

Sections 3904.08 to 3904.09 of the Ohio Revised Code govern the insurance information practices of insurers and insurance support organizations that collect consumer information. Under Ohio law, you have a right to know what information has been collected. Any company collecting insurance health information about consumers is also required to comply with the Health Insurance Portability and Accountability Act of 1996 (HIPAA), and must safeguard the confidentiality, including limiting access to, any information collected.

How to get your personal information under Ohio law

If an individual provides proper identification and submits a written request for information, the organization within 30 business days of receiving request must:

• Inform the individual of the nature and substance of such recorded personal information in writing, by telephone or by oral communication, whichever the organization prefers.

• Permit the individual to see and copy such recorded personal information in person or have it mailed, whichever the individual prefers.

• Disclose to the individual the identity, if recorded, of entities the organization has disclosed such personal information to within two years prior to such request. If the identity is not recorded, provide to the individual the organizations to which such information is normally disclosed.

• Provide the individual with a summary of procedures by which to request a correction, amendment, or deletion of recorded personal information.

• Except under certain circumstances, the organization may charge a reasonable fee to cover the costs in providing the information.

How to correct your personal information

Within 30 business days from the date of a written request from an individual to correct, amend or delete any recorded personal information about the individual within its possession, the insurance support organizations must:

• Correct, amend or delete the portion of the recorded personal information in dispute.

• Notify the individual in writing that a correction has been made and furnish the correction to other organizations, as described in Ohio Revised Code section 3904.09.

• Notify the individual of its refusal to make such a change, the reasons why and inform the individual of their right to file a concise statement with the organization that stays with the disputed information, explaining what the individual thinks is the correct, relevant or fair information and why the individual disagrees with the organization’s refusal.

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Quoting and Saving on your health insurance has never been easier.

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Article Source: ArticlesBase.com – What do health insurers know about you

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