Insurances+(with+Health+Insurance)

Insurances: Protecting What You Have

//**Car Insurance:**// Use this car insurance website to get a quote for your car insurance.
 * Go to the "Looking for a Quick Auto Insurance Estimate" and fill out the information based on the car you "purchased" earlier. You will find this estimator at the bottom of the Insweb page:
 * Use the ZIP code of the home/apt you are renting for this project.
 * Use the marital status you have for this project. Use your own gender. Use any age from 25-35.
 * Take a screen shot of the quote and information you added and post it on your page. It should look like this:


 * Copy the table at the bottom of this page onto your wiki. Fill-in the monthly car insurance premium in the appropriate cell.

==**//Renter's Insurance //** == <span style="color: #000000; font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif; font-size: 19px;">Now you must get renter's insurance to protect the contents of your apartment/home as well as protect you from being sued if someone is injured in your apartment. Use this link for<span style="background-attachment: initial; background-clip: initial; background-color: initial; url(http: //www.wikispaces.com/i/a.gif); background-origin: initial; background-position: 100% 50%; background-repeat: no-repeat no-repeat; cursor: pointer; padding-right: 10px;">renter's insurance and follow the directions below:
 * <span style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0.5em; padding-bottom: 0px; padding-left: 3em; padding-right: 0px; padding-top: 0px;"><span style="color: #000000; font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif; font-size: 19px;">Begin by entering your ZIP code at the left side of the page. You should use the ZIP code for the apartment location that you found to rent. If you aren't sure, look it up on the <span style="background-attachment: initial; background-clip: initial; background-color: initial; url(http: //www.wikispaces.com/i/a.gif); background-origin: initial; background-position: 100% 50%; background-repeat: no-repeat no-repeat; cursor: pointer; padding-right: 10px;">ZIP code lookup.
 * <span style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0.5em; padding-bottom: 0px; padding-left: 3em; padding-right: 0px; padding-top: 0px;"><span style="color: #000000; font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif; font-size: 19px;">Chose "Balboa-Renter's Insurance Policy-40K" under the coverage descriptions, choose "Increased liability coverage 100K."
 * <span style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0.5em; padding-bottom: 0px; padding-left: 3em; padding-right: 0px; padding-top: 0px;"><span style="color: #000000; font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif; font-size: 19px;">Take a screen shot of the page with the monthly and annual cost. Put this screenshot on your page of your wiki. It should look like this:




 * <span style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0.5em; padding-bottom: 0px; padding-left: 3em; padding-right: 0px; padding-top: 0px;"><span style="color: #000000; display: block; font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif; font-size: 19px; text-align: left;">Fill-in the monthly renter's insurance premium in the appropriate cell of the insurance table on your wiki.

==<span style="font-size: 1.3em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 5px;">**//<span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif; font-size: 20px;">Health Insurance //** ==

<span style="color: #000000; display: block; font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif; font-size: 16px; text-align: left;">Health insurance is a very important part of life. Most people are fortunate to have health insurance through their jobs, but not everyone. When your company provides health insurance, you become part of a group. Sometimes your company pays for part of your health insurance and you pay the remainder. Sometimes you pay the entire thing, but you get a discount for being part of the group. Health insurance cost are usually deducted from your paycheck so you don't always notice what you are paying. An entire family can be covered under one plan.

If you lose your job, it is important to pick up your own health insurance. Sometimes this is through something called COBRA, where you can remain in your company's group but you have to pay the cost yourself. Otherwise, you have to find your own insurance. For the sake of this project, everyone will be finding their own insurance. Go to <span style="background-attachment: initial; background-clip: initial; background-color: initial; url(http: //www.wikispaces.com/i/a.gif); background-origin: initial; background-position: 100% 50%; background-repeat: no-repeat no-repeat; cursor: pointer; padding-right: 10px;">ehealthinsurance.com to begin researching insurance options.


 * <span style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0.5em; padding-bottom: 0px; padding-left: 3em; padding-right: 0px; padding-top: 0px;"><span style="color: #000000; display: block; font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif; font-size: 16px; text-align: left;">Start by entering the zip code from where you live. Look up the zip code here if you have to. <span style="background-attachment: initial; background-clip: initial; background-color: initial; url(http: //www.wikispaces.com/i/a.gif); background-origin: initial; background-position: 100% 50%; background-repeat: no-repeat no-repeat; cursor: pointer; padding-right: 10px;">[|Zip Code Lookup]
 * <span style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0.5em; padding-bottom: 0px; padding-left: 3em; padding-right: 0px; padding-top: 0px;"><span style="color: #000000; display: block; font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif; font-size: 16px; text-align: left;">Next, fill in the information about yourself. Assume you are age 25-35 (like you did for the earlier insurance quote). This part of the page also asks about tobacco use in the last 12 months. You may chose "yes" or "no" for this--your choice. You are //not// a full-time college student and you want your coverage to begin on 6/1/2010.
 * <span style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0.5em; padding-bottom: 0px; padding-left: 3em; padding-right: 0px; padding-top: 0px;"><span style="color: #000000; display: block; font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif; font-size: 16px; text-align: left;">When you get your search results, find the one that that covers prescription drugs and has a deductible less than $2500. Take a screen shot of the plan (including the price) and click on the link at the top of the plan (on the left) to get more information about the coverage and its costs. [[image:TC_Health_Insurance.png height="117"]]
 * <span style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0.5em; padding-bottom: 0px; padding-left: 3em; padding-right: 0px; padding-top: 0px;"><span style="color: #000000; display: block; font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif; font-size: 16px; text-align: left;">Fill-in the monthly health insurance cost on the insurance table on your wiki. Fill-in the costs/benefits for the plan you picked. You might not be familiar with some of these benefits and they will be explained to you in class.

<span style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif;">(to be entered on budget spreadsheet): ||   ||
 * **<span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif;">Health Insurance Coverage and Costs ** ||
 * <span style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif;">Plan Type : || <span style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif;">Office Visit Cost for Primary Doctor (co-pay) : || <span style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif;">Office Visit Cost for Specialist (co-pay) : ||
 * <span style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif;">Coinsurance : || <span style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif;">Deductible : || <span style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif;">Prescription Drug Costs : ||
 * <span style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif;">Annual Out-of-Pocket Limit : || <span style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif;">Lifetime Maximum Benefit : || <span style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif;">Emergency Room Costs : ||
 * <span style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif;">Is pre-natal care covered? : || <span style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif;">Is labor and delivery for baby covered? : || <span style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif;">What are the "well-baby care" costs?: ||
 * = <span style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;">**<span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif; font-size: 16px;">Total Insurance Costs for Car, Rental, and Health Insurances ** ||
 * > <span style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif;">Car Insurance: monthly premium (website quote divided by six months): ||>   ||
 * > <span style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif;">Renter's Insurance monthly premium: ||   ||
 * > <span style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif;">Health Insurance monthly premium: ||   ||
 * > <span style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif;">**Total** monthly cost for insurance premiums
 * > <span style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif;">Renter's Insurance monthly premium: ||   ||
 * > <span style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif;">Health Insurance monthly premium: ||   ||
 * > <span style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif;">**Total** monthly cost for insurance premiums